Gregory Fitzgerald | Santa Ana Bankruptcy & Debt Lawyer

• Member, Orange County Bar Association, 2013 - Present
  Member, San Bernardino Bar Association, 2013 - Present
  Member, Consumer Attorneys of California, 2013 - Present

• Graduated First in Class | Southern California College of Law | 1990
  

• We Are There For Our Clients Through It ALL!
  We Are There For Our Clients Through It ALL! Like so many others who owe private student loans, I felt for years as if I was "renting" my career as 1/3rd of my paycheck was being used to pay the high monthly amount due to Navient with no relief in site. I was paying interest only as that is all I could afford whereby my principle balance continued to increase. I paid on my student loans for almost 7 years and just could not continue paying the exaggerated interest rates that continued to create stress, sadness and frustration every single month. I need to say that I was instantly relieved when I discovered this law firm. I did a Google search for help with student loan debt, I read the reviews here and on their Facebook page, I began following them on FB to see how they responded to their followers and quickly became a believer. I contacted the firm about 1 year prior to settling and did everything they suggested. I was never kept in the dark about anything and any time I had a question or a concern, there was always someone there to answer me. When we finally settled about 4 months ago, I felt the weight from the burden of this loan debt lift immediately. I couldn't believe it and at times, still don't. This situation we now find ourselves in financially with so many, like myself, who have lost employment, income, and freedom is unprecedented. Fitzgerald & Campbell has been here for me through it all. I am making payments to them that are affordable to me and they get it! They really really get it. They do not expect more than is possible for me. The settlement they got for me has been nothing short of amazing! My monthly payment to Navient is affordable and the best part is that there is an end date! Yes! I will be out from under the heavy cloak of student loan debt and I feel relieved. I highly recommend this firm! Do as they recommend to the letter and you too will feel the relief that I have felt for 4 months now - and you can't put a price on that. Thank you F&C for giving me my life back. S.R. 3/22/2021

• TEAM vs. Granite State Insurance Company Practice Area: Insurance Date: Aug 15, 2013 Outcome: $855,000 for TEAM Description: Our client Total Education Activity Model (TEAM) had a fire at their facility and the insurance company refused to pay the damages

• Navient Solutions, LLC Settled!
  January 29, 2021: $77,601.00 Navient Solutions, LLC was settled for $5,500.00. Saving our client over 92% of the debt!

• Another 5 Star Review from one of our clients!
  Fitgerald & Campbell are very easy to work with. All of my questions were answered in a timely manner. Both Stephen Reider and Samuel Foster (Case Manager) were willing to help efficiently and effectively. I liked that all of my questions were answered in terms I could understand. Additionally, there were a few times that I needed things explained over and everyone was very patient with my lack of knowledge regarding the laws of bankruptcy and what was required to file. Last but not least, gathering all of the information can be quite frustrating. However, Mr. Reider explained why a document was needed and why it was required or to be updated before we could proceed. My service with this firm exceeded my expectations. Since I have never done this before, I was very concerned about how all of the proceedings worked, how long it would take, what was required, how to properly get my message across to the board and the entire bankruptcy. I was pleasantly surprised at how efficient, effective and easily it was handled. Should anyone require legal services in the area I won't hesitate to send them to Fitzgerald & Campbell. - 7-31-2017, ROBIN G.

• Navient Solutions, LLC Settled!
  February 4, 2021: $231,617.00 Navient Solutions, LLC was settled for $65,00.00. Saving our client over 71% of the debt!

• Another happy client!
  Are we easy to do business with? Absolutely! All of my questions were answered in a timely manner. Everyone was extremely friendly and willing to help efficiently and effectively. What did you like about our services? I liked that all of my questions were answered in terms I could understand. Additionally, there were a few times that I needed things explained over and everyone was very patient with my lack of understanding about the laws of bankruptcy and what was required to file. Additionally, each needed document requested also came with an explanation as to why it was required or why it needed to be updated before we could proceed. What could we have done differently? N/A Did our team communicate effectively with you? Absolutely. Either Stephen Reider or Sam Foster was in touch in a timely manner. As written above, all of my questions were answered fully as quickly as they could return to me. Did we meet expectations? Exceeded. I was very concerned about how all of the proceedings worked, how long it would take, what was required, how to properly get my message across to the board and the entire bankruptcy. I was pleasantly surprised at how efficient, effective and easily it was handled. Should anyone require legal services in the area I won't hesitate to send them to Fitzgerald & Campbell.

• Get Out of Debt Guy, Why Most Debt Settlement Companies and Credit Counselors are Bad Medicine, 2013
  The Get Out of Debt Guy, The King of Zombie Debt: the 1099-C, 2011

Gregory Mark Fitzgerald has been a Premium Member since February 11, 2016.
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Will the Government Sue Student Loan Borrowers?  (2016-02-11 17:54:56)
This article outlines possible government actions against student loan borrowers

Can Debt Collectors Garnish My Federal Benefits?  (2016-02-12 10:38:38)
This article outlines what debt collectors are entitled to garner relating to your federal benefits.

My Ex-Spouse Is Filing for Bankruptcy! Does It Affect Me?  (2016-02-12 11:59:49)
This article outlines your options when an ex-spouse files for bankruptcy.

Understanding Debt Settlement  (2016-02-12 16:42:35)
This article covers some important information regarding the debt settlement process.

Why You Should Hire An Attorney To Settle Pay Day Loans.  (2016-02-12 16:45:40)
Patricia Sanders is a freelance writer and associated with “Wiki.Debtcc.Com” as part time freelance writer. She loves to write on various topics, especially finance. Her writing helps people to get useful suggestions and financial insight to solve their problems.

What is Lien-Stripping in Bankruptcy?  (2016-02-24 14:48:53)
This article covers lien-stripping in bankruptcy proceedings.

Debt Consolidation for Credit Cards  (2016-03-23 12:59:26)
This article points out the ups and downs of credit card consolidation

Debt Relief for Students Defrauded by Corinthian College  (2016-04-07 16:24:11)
This article discusses different financial debt relief options available to students defrauded by Corinthian College.

Student Loan Relief: What if I Have to Drop Out of School?  (2017-08-08 13:23:08)
What to do regarding your student loan if you have to drop out of school.

A DAY IN THE LIFE OF A STUDENT LOAN DEFENSE TRIAL ATTORNEY  (2017-09-05 17:22:06)
This article describes the process and outcome of a recently tried case.

Collecting Judgments: Lenders May Run Your Credit Report to Snoop  (2018-01-03 16:09:29)
If you are finding it difficult to pay your bills and need an experienced debtor rights attorney, contact us at Fitzgerald & Campbell, APLC. We can review your current situation and discuss your options with you, whether that means a negotiated settlement, bankruptcy, or more.

Student Loan Defaults More Common with College Dropouts  (2018-01-04 15:12:12)
A recent news article states that nearly 40 percent of borrowers are in various stages of delinquency or default.

Collection Lawsuits and Delinquencies on the Rise: 2017 Q3 Shows Further Increases  (2018-01-05 14:49:16)
If you are trying to figure out how to handle overwhelming debt or collection lawsuits or judgments, thinking about filing for bankruptcy, or exploring other options for debt reorganization, contact us at Fitzgerald & Campbell, APLC.

US Trillion Dollar Student Loan Crisis – Are You Part of It?  (2018-01-08 13:12:06)
Contact us at Fitzgerald & Campbell, APLC now. Our attorneys have decades of experience in serving clients with student loan debt and similar financial situations. Let us review your case and discuss what would work best for you. We are here to help!

Pre-Emptive Action for Avoiding Default or Court Judgments  (2018-01-11 13:59:12)
If you feel like your own credit-card debt is getting out of control and you need advice, contact Fitzgerald & Campbell, APLC, a law firm with decades of experience in helping clients to explore their financial options. Let us review your case and help you go from there. We are here to help!

Collections Lawsuit: But Who Owns Your Account?  (2018-01-17 13:06:09)
You are probably extremely tired of dealing with financial issues and creditors, and worrying about how to pay bills with money you do not have, but it is worth your time to consult with an experienced law firm like Fitzgerald & Campbell, APLC if you have been served with a collections lawsuit.

Student Loan Crisis: Will it Affect the Entire Economy?  (2018-01-19 12:48:16)
If you are a student loan borrower, keep detailed documentation of your loan and all payments, from the beginning. And if you are being sued for delinquent payments—on a student loan or any other debt—consult with Fitzgerald & Campbell, APLC regarding your options.

Your Financial Future: How Collections Lawsuits Affect You  (2018-01-22 13:08:46)
Credit-card debt can spell serious trouble for many borrowers. With over $3 trillion in credit card debt for consumers in the US today, that leaves many struggling. And the numbers continue to climb according to recent data.

Graduate Students Bearing the Largest Burden of Student Loan Debt  (2018-03-06 12:54:10)
Recent news explores data showing that graduate students tended to take out student loans over three times that of undergraduates.

Collections Lawsuit Aftermath: The Default Judgment  (2018-03-08 13:20:31)
If your debts continue to escalate, along with threats from creditors and collection agencies, consult with a skilled debt management attorney from a firm like Fitzgerald & Campbell, APLC to fend off the threat of a collections lawsuit.

Credit Card Debt: Why It Is Usually Sold Off to Collections Agencies  (2018-03-09 12:59:20)
Are you concerned about credit card debt, hoping to explore ways to set your finances straight once and for all? If you are finding it difficult to pay your bills and need an experienced attorney, contact us at Fitzgerald & Campbell, APLC.

Student Loan Issues: Numerous Factors Result in Non-Payment & Default  (2018-03-12 12:40:12)
If you are currently delinquent or worried about defaulting on your student loans, contact Fitzgerald & Campbell, APLC now so one of our experienced student loan debt attorneys can review your case and discuss all the available options with you.

Does a Charged Off Account Mean the Creditor Will Sue Me or Get a Default Judgment?  (2018-03-13 12:22:34)
If you are finding it difficult to pay your bills and need an experienced business debt defense attorney, contact our office now. The attorneys at Fitzgerald & Campbell can review your current situation and discuss your options with you, even if that means fighting a collections lawsuit, judgment, or helping you file for Chapter 7 bankruptcy.

Collections Lawsuits: Should I Avoid the Process Server?  (2018-03-14 12:51:39)
At Fitzgerald & Campbell, APLC, we can help you explore your options if you are being sued or a judgment has been entered against you. Our attorneys have decades of experience in serving clients with similar financial situations. Let us review your case and discuss what would work best for you. We are here to help!

Consumer Debt Continues to Reach Record Highs  (2018-03-15 12:57:29)
If you are worried about credit card debt and need help negotiating with creditors, contact an experienced firm like Fitzgerald & Campbell, APLC as soon as possible. Our skilled attorneys can also help you if you need to fight a collection lawsuit or work to have a judgment reversed.

Collections Lawsuits: Why Would Creditors Want to Sue Me?  (2018-03-16 13:17:20)
If you are currently concerned about the possibility of or the need to fight a collections lawsuit, consult with an experienced attorney from a firm like Fitzgerald & Campbell, APLC as soon as possible.

Public Service Loan Forgiveness Program May End in 2019  (2018-03-19 13:04:24)
If you are currently delinquent or worried about defaulting on your student loans, contact Fitzgerald & Campbell, APLC now so one of our experienced student loan debt attorneys can review your case and discuss all the available options with you.

Student Loan Delinquencies Rise Despite Government Relief Programs  (2018-03-20 12:55:32)
If you are a student loan borrower and worried about delinquencies or a default—on a student loan or any other debt—consult with Fitzgerald & Campbell, APLC regarding your options. With decades of experience in helping clients navigate areas such as student loans and other debt issues, our attorneys can sit down with you and review your case.

Handling Collections Lawsuits: Respond, Protect Yourself, & Fight!  (2018-03-21 12:02:20)
If you are worried about a creditor lawsuit or judgment, contact us at Fitzgerald & Campbell, APLC. We can review your current situation and discuss your options with you, whether that means a negotiated settlement, fighting a judgment, filing for bankruptcy, or more.

Credit Card Payments & Collections Lawsuits: Check for Old Debt  (2018-03-22 12:57:51)
If you are finding it difficult to pay your bills and need an experienced debtor rights attorney, contact us at Fitzgerald & Campbell, APLC. We can review your current situation and determine the best course of action, whether that means bankruptcy, a negotiated settlement, or exploring other options.

Collections Lawsuit Relief Via Chapter 7 Bankruptcy  (2018-03-23 12:59:40)
If you are finding it difficult to pay your bills, or are being sued, or have judgments granted against you, contact us at Fitzgerald & Campbell, APLC. We can review your current situation and discuss your options with you, whether that means fighting in court, negotiating a settlement, filing for bankruptcy, or more.

Pressure on Student Loan Servicers by State Laws May Ease Up  (2018-03-26 12:56:53)
Have you experienced problems with your loan service provider, or are you in danger of defaulting on your student loan? Contact Fitzgerald & Campbell, APLC now so one of our experienced student loan debt attorneys can review your case and discuss all the available options with you.

Credit Card Lawsuit Aftermath: Picking Up the Financial Pieces  (2018-03-27 12:55:08)
If you are finding it difficult to pay your bills and need an experienced debtor rights attorney, contact us at Fitzgerald & Campbell, APLC. We can review your current situation and discuss your options with you, whether that means a negotiated settlement, bankruptcy, or more.

Student Loan Crisis: Could Better Underwriting Make a Change?  (2018-03-28 13:07:17)
If you are currently delinquent or worried about defaulting on your student loans, contact Fitzgerald & Campbell, APLC now so one of our experienced student loan debt attorneys can review your case and discuss all the available options with you.

US Credit Card Debt: The Figures Continue to Grow—Along with Lawsuits  (2018-03-29 13:36:39)
If you have found yourself served with a summons and complaint, consult with a collections lawsuit attorney from a firm like Fitzgerald & Campbell, APLC as soon as possible. With expert legal help, you may be able to see the case dismissed, along with eliminating the chance for having a default judgment filed against you.

Collections Lawsuit Served: Silence Could Result in Automatic Court Judgment  (2018-03-30 14:51:44)
If you are concerned about impending creditor lawsuits or fighting a default judgment, consult with an experienced law firm like Fitzgerald & Campbell, APLC as soon as possible. A solution can be found to help you through any of these issues, even if a judgment has already been granted.

Rethinking Student Loans: Negotiating with Your Servicer or Refinancing Could Ease Your Debt  (2018-04-02 13:03:48)
If you are concerned about how to handle your debt, consult with a skilled student loan debt attorney from a firm like Fitzgerald & Campbell, APLC as soon as possible.

Student Loan Debt Crisis May Be Offset by Options Offered in New Bill  (2018-04-03 13:36:23)
With decades of experience in helping clients navigate areas such as student loans and other debt issues, the attorneys at Fitzgerald & Campbell, APLC can sit down with you and review your case. We are here to help!

Credit Card Debt Rises in US: Banks Continue to Come Out Ahead  (2018-04-04 12:55:21)
Are you concerned about debt, hoping to explore ways to set your finances straight once and for all? If you are finding it difficult to pay your bills and need an experienced debtor rights attorney, contact us at Fitzgerald & Campbell, APLC.

Fighting Court Judgments Is Often Necessary  (2018-04-05 13:15:03)
If you are worried about a creditor lawsuit or judgment, contact us at Fitzgerald & Campbell, APLC. We can review your current situation and discuss your options with you, whether that means a negotiated settlement, fighting a judgment, filing for bankruptcy, or more.

Median Student Loans With $350 Monthly Payments Can Be a Tough Nut to Crack  (2018-04-06 12:54:32)
If you are a student loan borrower and worried about delinquencies or a default—on a student loan or any other debt—consult with Fitzgerald & Campbell, APLC regarding your options.

Suing Creditors: The Lawsuits Are Often Unsound  (2018-04-09 13:00:13)
Are you concerned about debt, hoping to explore ways to set your finances straight once and for all? If you are finding it difficult to pay your bills and need an experienced debtor rights attorney, contact us at Fitzgerald & Campbell, APLC.

Student Loan Debt Struggles: Are Younger Borrowers Just Set up to Fail?  (2018-04-10 13:08:38)
Are you in danger of defaulting on your student loan or are you experiencing difficulties with your student loan service company? Contact Fitzgerald & Campbell, APLC now so one of our experienced student loan debt attorneys can review your case and discuss all the available options with you.

Default Judgment Granted Against You: The First Steps  (2018-04-11 13:24:00)
If you are worried about a creditor lawsuit or judgment, contact us at Fitzgerald & Campbell, APLC. We can review your current situation and discuss your options with you, whether that means a negotiated settlement, fighting a judgment, filing for bankruptcy, or more.

Property Seizure after the Default Judgment—What Should I Expect?  (2018-04-12 14:12:42)
If you are finding it difficult to pay your bills and need an experienced debtor rights attorney, contact us at Fitzgerald & Campbell, APLC. We can review your current situation and discuss your options with you, whether that means bankruptcy, a negotiated settlement, or exploring other options.

Student Loan Relief Scams: Understanding & Avoiding Them  (2018-04-13 13:06:38)
If you are currently delinquent on student loans or worried about defaulting, seek solid advice before panicking and putting yourself in danger of being scammed. Consult with Fitzgerald & Campbell, APLC regarding your options.

Credit Card Lawsuit Topics: Five Things to Know  (2018-04-16 12:46:39)
If you are worried about a creditor lawsuit or judgment, contact us at Fitzgerald & Campbell, APLC. We can review your current situation and discuss your options with you, whether that means a negotiated settlement, fighting a judgment, filing for bankruptcy, or more.

Collections Agencies & The Rules for Calling Other Parties  (2018-04-18 13:39:26)
If the debt collection process escalates to a collections lawsuit, contact an attorney from a firm like Fitzgerald & Campbell, APLC as soon as possible to file a response. While it may be tempting to ignore such a stressful issue altogether or to procrastinate, you usually have 20 to 30 days to respond.

Collections Activity: Your Options for Making It Stop  (2018-04-19 12:56:56)
If you feel like your finances and credit card debt are getting out of control, contact Fitzgerald & Campbell, APLC, a law firm with decades of experience in helping clients to explore their financial options. Let us review your case and help you go from there.

Student Loan Counseling: Why Isn’t It Effective?  (2018-04-20 13:07:17)
If you are a student loan borrower and worried about delinquencies or a default—on a student loan or any other debt—consult with Fitzgerald & Campbell, APLC regarding your options.

Debt Issues May Affect Every Part of Your Life: Finding Solutions to Thrive Again  (2018-04-23 13:48:45)
Whether you are drowning in medical debt, credit card debt, auto debt, or perhaps all of that and more, an experienced attorney from a firm like Fitzgerald & Campbell, APLC can help you act quickly to get back on track.

Current Student Loan Trends Show Nearly Half May Default in the Future  (2018-04-24 13:27:18)
Are you in danger of defaulting on your student loan or are you experiencing other related financial difficulties? Contact Fitzgerald & Campbell, APLC now so one of our experienced student loan debt attorneys can review your case and discuss all the available options with you.

Gregory Fitzgerald of Fitzgerald & Campbell, APLC in Santa Ana Announces New Book with Simple Clear Steps to Help People with Bankruptcy Alternatives  (2018-04-25 13:31:57)
The Bankruptcy Alternative is a comprehensive book written by Gregory Fitzgerald from Fitzgerald & Campbell, APLC, a debt management attorney firm located in Santa Ana, California. The book provides the keys to a successful debt settlement, including a proven plan to work out debt, stop creditor calls and a path for readers to move forward with solving their debt challenges.

Student Loan Debt Crisis: Pushing it Under the Rug is Dangerous for the US  (2018-04-26 13:18:58)
Are you in danger of defaulting on your student loan or are you experiencing difficulties with your student loan service company? Contact Fitzgerald & Campbell, APLC now so one of our experienced student loan debt attorneys can review your case and discuss all the available options with you.

Debt Collections: Account Verification Can Be Both Necessary & Effective  (2018-04-27 13:07:00)
If you are finding it difficult to pay your bills and need an experienced debtor rights attorney, contact us at Fitzgerald & Campbell, APLC.

Student Loan Blame: Are For Profit Colleges At Fault?  (2018-05-01 13:18:29)
Recent studies have shown that over half of students attending for-profit schools have defaulted on their student loans.

Credit Card Lawsuits: Respond Even If You Know You Owe the Debt  (2018-05-02 12:46:30)
If you are being sued, consult with a skilled collections lawsuit attorney from a firm like Fitzgerald & Campbell, APLC so you can file a thorough response to the lawsuit and figure out the best solution to resolve all your debts.

Debt Collection Agencies: Good at Calling, Poor at Providing Account Histories  (2018-05-03 15:26:30)
Debt collectors are obligated to validate the debt with information about who is owed and how much. This is basic information that they should be able to produce; if they cannot, you may not hear from them again.

College Tuition Continues to Grow and Young Borrowers Are Forced to Take Out Large Student Loans  (2018-05-07 13:02:34)
Defaulting on a student loan almost always entails negative consequences, especially for young borrowers. In some cases, they may be forced to hold off on getting married, having kids, or starting businesses.

Court Judgment Granted Against Me: Why Would the Creditor Back Down Now?  (2018-05-08 12:51:31)
All is not lost simply because the judgment was granted, especially if you had a valid excuse for not filing a response. There is a chance that you were never served documents alerting you to the existence of the lawsuit.

Default Judgments: A Matter Far Serious Than Your Credit Report  (2018-09-07 14:03:04)
You may not have a lot of notice regarding a default judgment, and it can be quite a shock to try to go through the grocery checkout line only to discover your funds have been frozen.

Chief Student Loan Watchdog Resigns  (2018-09-10 15:35:19)
There may be further worries on the student loan debt front as recent news announces the resignation of Seth Frotman, student loan ombudsman at the Consumer Financial Protection Bureau.

Serious Court Judgments: It Can Be Much Worse Than You Imagined  (2018-09-12 16:00:26)
A default judgment is a problem for most due to the potential for wage garnishments of up to 25 percent of disposable income, levying of bank accounts, and seizure of property.

Student Loan Borrowers Take Out Larger Sums for Private Colleges  (2018-09-13 13:01:21)
Student loan borrowers are often held responsible for making payments of over $350 a month, not only straining budgets but also straining marriages to the point of divorce.

Consumer Debt Load Outpacing the US Economy  (2018-09-17 13:46:05)
Recent numbers, provided by the Federal Reserve, show that the number of debt consumers accruing is not in line with economic growth.

Student Loan Debt Topics: Numbers Show Decline in College Enrollments  (2018-09-18 13:55:31)
Typical life milestones are now being delayed for many student loan borrowers as they struggle to get their money issues under control.

Court Judgments: Are they Really Final?  (2018-09-19 14:07:58)
As the bills pile up and debt collections activities escalate, consumers may find themselves searching for options in the face of collections lawsuits or judgments. With the help of a good debt protection attorney, you may be able to cut these actions off.

Student Loans: Colleges Producing Highest Amounts of Debt  (2018-09-20 13:55:56)
While students carry the burden of student loans from an assortment of learning institutions around the US, recent news highlighted the top ten colleges with students carrying the highest balances owed to student loan servicers.

Creditors May Decide to Renew Default Judgments  (2018-09-24 14:50:40)
You may not have a job, assets, or even a checking account now. With a judgment lasting ten years, however, consider how much could change before procrastinating in dealing with a collections lawsuit or completely failing to reply.

Do You Feel Imprisoned by Your Student Loan Debts?  (2018-09-25 12:48:42)
Student loan borrowers around the US have been making it clear—one way or another—that they are heavily weighed down by monthly payments to servicers who expect their payments promptly. For many, doing so can be a challenge.

I Defaulted & The Government is Taking My Pay  (2018-09-26 13:41:30)
Younger borrowers may not understand the ramifications of taking out large student loans—and they also may not immediately understand the complications ahead when bills are not paid to federal or private loan servicers.

Default Judgments Are Court Orders  (2018-09-27 13:15:21)
A judgment not only means the judge ruled in favor of the entity suing you, but they are also imbued with much greater power to seek payment of the debt.

College Dropouts Occur For Many Reasons, But Student Loans Remain  (2018-10-01 14:03:42)
Students who come from more affluent families tend to stay in college, while those from lower-income backgrounds do not stand as much of a chance.

Ignoring Debt Will Catch Up with You—Reach Out Before There is A Court Judgment  (2018-10-02 11:36:37)
Delinquencies and defaults can be devastating to your credit, but legal action is an escalation that should have your attention immediately. Even if you know you owe the debt, respond!

Collections Lawsuits: Don’t Let Fear Keep You from Eliminating Debt  (2018-10-03 12:06:53)
Realizing that you are falling into insurmountable debt is frightening, and finding out that you are being sued is certainly worse, not to mention worrying about the threat of a default or court judgment.

Considering Grad School? The Payoff May Be All About Student Loan Debts  (2018-10-04 12:08:08)
Graduate students represent a small number of student loan borrowers, but the amounts they borrow can be astronomical in comparison.

Creditor Negotiations May Still Be Possible after the Default Judgment  (2018-10-05 12:02:43)
Consumer debt just continues to grow in the US, with recent news pointing to second quarter numbers that show an increase of $454 billion from one year ago.

Living Paycheck to Paycheck? A Collections Lawsuit Could Be Devastating  (2018-10-08 13:13:12)
The average US consumer has a lot on their shoulders financially; studies show that the typical household holds nearly $135,000.00 in debt. Have you or someone you know been on the receiving end of a collections lawsuit?

Looking for Student Loan Forgiveness? Check Out These Programs  (2018-10-09 12:22:37)
There are a host of different programs available via the government if you are having trouble making payments on your student loans, and many of them are overlooked by borrowers.

Court Judgments Signify Loss of Collections Lawsuits  (2018-10-10 12:00:08)
If you are concerned about impending creditor lawsuits or fighting a default judgment, consult with an experienced law firm as soon as possible.

Lawsuits? Default Judgments? Take Care of Business, But Don’t Let Stress Get You  (2018-10-11 12:21:43)
Although trying to forget about your financial problems may seem like the easiest thing to do, procrastination just increases stress in the long term.

Graduate Schools Churn Out the Student Loan Debtors  (2018-10-12 11:59:31)
Even with careers that may get off the ground quickly, high monthly balances due to student loan debt servicers can be crippling.

Student Loan Statistics: Women Carrying More Debt  (2018-10-15 12:20:29)
The majority of rising students have loans, whether they are federal, private, or a combination of both. Now, statistics show that these growing numbers involve more women than men.

Debt Collection Agencies Become More Powerful with a Judgment  (2018-10-16 11:47:38)
If you do not reply to a collections lawsuit, and you do not appear at the scheduled trial, chances are good that a judgment will be entered against you automatically.

Collections Lawsuit Relief Via Chapter 7 Bankruptcy  (2018-10-17 12:27:13)
Bankruptcy may seem like an intimidating process that you know nothing about, and you may be worried about all the paperwork. With the help of a skilled bankruptcy attorney, you should find the process to be streamlined.

Served with a Collections Lawsuit: Reviewing the Summons and Complaint  (2018-10-18 12:31:01)
Even if creditors and collections agencies are following the law, their efforts can still be relentless, harsh, and full of intimidation. Unfortunately, the process can get much worse if they decide to sue.

The Reality of Student Loan Debt in the US is Scary  (2018-10-19 12:23:11)
As over 44 million borrowers continue to pay off their portions of the $1.5 trillion student loan debt that is looming over the US economy, many are stressed, limited by serious financial constraint, and headed into delinquencies or outright default.

$890 Billion of Student Loan Debt Belongs to the Women  (2018-10-22 12:01:01)
It has been clear for some time now that more women are attending college than men, so it makes sense that they would be contributing more to tuition costs; however, recent studies point out that student loan debt is becoming a women’s issue.

Debts and Default Judgments: Isolating Yourself is Not the Answer  (2018-10-23 11:54:53)
Financial distress can be scary, especially if you do not have enough resources to pay for essential bills. This is challenging if you are the only person in your household, but if there are multiple others depending on you, the situation becomes even more grave.

Collections Lawsuit Deadlines: Understanding How They Work  (2018-10-24 11:56:07)
There is always the temptation to procrastinate or sweep things under the rug, especially when having to face something as intimidating as a lawsuit. However, a response is highly recommended. In some cases, you may even be able to file a late response if you have a valid excuse.

You May Not Be Judgment Proof Forever  (2018-10-25 11:55:04)
You may be safe from enforcement today, but a judgment is usually good for ten years and can then be extended for another ten. In the next twenty years, do you still see yourself without a job, without property, and without a checking account?

No Process of Service: Will the Judge Dismiss My Case?  (2018-10-26 11:58:03)
Generally, if the process server does not hand the summons directly to you or to someone of age who resides in the home with you, it should not be possible to have a default judgment granted against you.

Student Loan Servicers in Trouble: Navient May Experience Greater Leniency Than Expected  (2018-10-29 11:51:02)
Sued by both the Justice Department and more recently the Consumer Financial Protection Bureau (CFPB), Navient administrators have said that they will fight back against these lawsuits.

Have Your Consumer Rights Been Violated Leading Up to A Collections Lawsuit?  (2018-10-30 11:45:33)
Accumulating debt and escalating money problems are often accompanied by a sense of shame. Creditors and debt collectors are usually aware of any typical vulnerability debtors may have and will use that to their advantage.

Student Loan Crisis: No Hope in Sight  (2018-11-01 14:03:28)
With interest rates jumping, student loan borrowers are often stretched too thin, both mentally and financially. This is resulting in financial constraints that affect the economy at large, as they are unable to spend on large items like homes and cars.

How Long Will It Take My Court Judgment to Go Away?  (2018-11-02 15:19:49)
The court judgment is a long-term order. In California, the creditor can continue their collections activities for up to ten years in trying to see the debt satisfied. After that, they can also renew the judgment with the court for another ten.

Student Loan Debt Crisis Spans All Ages  (2018-11-05 12:52:42)
Recent studies show that while younger generations and millennials are having a difficult time with the burden of student loans, so are other age groups like Gen X’ers and Baby Boomers. The student loan crisis is even making an impact on retirement plans.

Consumer Debt Can Cause Stress, Depression, Divorce  (2018-11-06 12:17:35)
Discussing numbers and statistics on the national scale is important, but if you have fallen heavily into debt, you may not feel like that information helps you out much in terms of your own financial distress.

Default Judgment: The Automatic Stay Could Help at the Last Minute  (2018-11-07 15:07:29)
The automatic stay is an extremely helpful injunction, and your creditors will be alerted to your bankruptcy filing; however, even if they are not, the automatic stay still prohibits them from collecting on any debts.

Cumulative Student Loan Debt Reaches $1.53 Trillion  (2018-11-12 15:05:55)
Defaults on student loans can have severe repercussions for borrowers of any age. Private servicers may sue upon default, while the federal government may garnish wages or intercept tax refunds.

No Assets: Why is the Creditor Wasting Time Suing Me in a Collections Lawsuit?  (2018-11-13 12:13:40)
While there may be no rhyme or reason as to why some creditors or collections agencies will decide to sue you, it is in your best interest to consult with a collections lawsuit attorney as soon as you receive a summons and complaint.

Collections Lawsuits: Don’t Let the Creditor Turn You into a Victim  (2018-11-14 14:20:40)
A reply to a collection lawsuit is necessary unless you have nothing to lose. Do not feel so intimidated by the creditor, a debt collections agency, or the court process overall that you fall victim and end up with a default judgment against you.

Court Judgments: Difficult, But Not the End of the World!  (2018-11-16 12:15:19)
Replying to a collections lawsuit is in your best interest; if you don't, a default judgment can be granted against you almost automatically, bringing with it the threat of wage garnishments, property seizure, and bank levies.

Millennial Homebuyers Restricted by Student Loan Debt  (2018-11-26 12:34:17)
Delinquencies and defaults on student loans have risen past 11 percent, even with the availability of alternative repayment programs.

Court Judgments & Wage Garnishing: What is Exempt?  (2018-11-27 12:30:01)
If your wages are about to be garnished, you and your employer must both be notified. But what about other forms of income?

Negotiating the Collections Lawsuit: The Creditor May Worry You Will File for Bankruptcy  (2018-11-28 12:19:09)
Even if you are not planning to file for bankruptcy and are open to negotiating a settlement, you may be surprised to find out how willing a creditor is to work with you.

The Financial Judgment: It Does Not Mean You Have to Lose  (2018-11-29 12:44:39)
If you are unable to file a response to a lawsuit, there is the possibility of turning around a default judgment, and it may not be as difficult as you think.

What If I’m Not Home to Receive Collections Lawsuit Service?  (2018-12-05 12:36:59)
While you may suspect a lawsuit is in the works, the arrival of the process server will certainly confirm your fears. In many cases though, defendants are not home; what is your responsibility in this scenario?

Student Loan Refinancing? Don’t Be Led Astray  (2018-12-06 12:38:12)
As student loans burden over 44 million borrowers today and affect the economy of the nation overall, both graduates and non-graduates alike are struggling to the point of national concern.

Many Borrowers Working Just to Pay Student Loan Debt  (2018-12-07 12:59:40)
If you are a student loan borrower worried about strained finances, remember that it is important to take every step possible to avoid defaulting. While you may hear of some borrowers letting their loans ‘go,’ be aware that there are many serious repercussions.

Credit Card Debt This Year: Consumers Paid $104 Billion in Interest and Fees  (2018-12-11 13:06:23)
Taking on a credit card may seem like a good idea at first, but in many cases, credit cards are a slippery slope offering the temptation to spend more than you can afford.

Consumer Debt Topics: When the Collections Lawsuit Escalates  (2018-12-12 14:03:16)
Medical bills are the number one reason for consumers in the US landing in hot water over money matters. If you've used credit cards to pay for co-pays, prescriptions, doctor’s visits, and procedures, you probably maxed out your limit shockingly fast.

Is the Great Recession the Reason for Today’s Student Loan Crisis?  (2018-12-13 12:35:12)
Delinquencies and defaults on student loans are not only damaging to credit; they can lead to collections lawsuits, interception of tax refunds, wage garnishments, and more.

Court Judgments Granted: The Clock is Ticking!  (2018-12-14 12:00:03)
A late response to a collections lawsuit may be accepted if you have a valid excuse, but in general, you should plan to answer as soon as possible. Failure to do so can result in negative repercussions, as a default judgment will most likely be granted.

Student Loans Make Up 42 Percent of Consumer Debt  (2018-12-17 13:12:17)
Student loan debt in the US, now over $1.5 trillion, only continues to grow. With the well-publicized crisis worsening, there seems to be little anyone can do to prevent the issue from escalating.

Default Judgment Looming: Should I Close My Bank Accounts?  (2018-12-19 11:58:35)
Personal upheaval usually affects our finances, and that can be long-lasting. It’s likely that the longer you try to go it alone, the worse your situation will get.

The Creditor is Suing Me & I Have Nothing to Give  (2018-12-20 12:27:21)
In the event that you are sued by a creditor but don't have anything for them to take, what should your course of action be? Depending on your circumstances, you may not have to bother even responding to the lawsuit.

Student Loan Defaults: Forty Percent By 2023  (2018-12-21 11:58:29)
If you are currently having trouble paying your bills and other debts, consider every other avenue before throwing in the towel to a default. While walking away from student loans may seem tempting, such action can have long-term, negative consequences.

Default Judgment: The Creditor May Be Quick to Use Their New Financial Advantage  (2018-12-24 11:55:35)
If you were unable to consult with a collections lawsuit attorney at the time you were served a summons and complaint, and you did not show up in court, a default judgment was probably granted against you.

Collections Lawsuits: Sometimes When You Least Expect It  (2018-12-26 12:05:57)
If you have been served, don’t wait to contact an attorney. Act quickly so that an effective response can be filed.

Many Student Loan Borrowers Are Simply Too Young to Understand Financial Planning  (2018-12-27 12:13:37)
While many young students and would-be borrowers are eager to get into school at any cost, they are too often left dealing with massive student loan debt that overwhelms them at a time they should be starting out with high hopes for the future.

Bankruptcy Could Save You from Loss of Wages & Property Seizure  (2018-12-28 12:09:08)
If you are eligible to file for Chapter 7 bankruptcy, you could see all your unsecured debt discharged within three to six months. The automatic stay goes into effect as soon as you file, meaning that foreclosure is staved off and all debt collections activity is halted.

Credit Card Debt: Millennials Feeling the Crunch  (2019-01-03 11:55:30)
People between the ages of 18 and 34 may be feeling constricted by growing credit card debt and debilitated by poor credit. While there is much talk about millennials not wanting to buy cars or homes or other big-ticket items, the truth is that many just cannot due to a lack of funds.

Credit Cards Stowed Away for Emergencies? Don’t Let Them Turn into Trouble  (2019-01-04 11:46:50)
Manipulating a wide range of different credit cards can be a form of income for some credit savvy consumers these days, and it seems to be especially popular with the millennial crowd.

Default Judgments Lead to Major Financial Hassles  (2019-01-07 14:50:25)
A creditor with a judgment against you can utilize aggressive tactics to see the debt repaid, such as diverting funds from your paycheck, freezing your financial accounts, and even taking property and then selling it at public auction.

Served with a Collections Lawsuit: I Want to Settle  (2019-01-08 15:07:50)
With skilled legal help, you may be able to negotiate a payoff on a collections lawsuit at a heavily discounted sum, allowing you to satisfy the debt and move on with your life.

Student Loan Borrowing Shows No Signs of Decrease Despite Crisis  (2019-01-09 12:54:29)
As student loan debt reaches $1.5 trillion, it is obvious that the financial implications are going to reach much further than the individual student.

Default Judgments Can Make Finances Tight for Younger Debtors Especially  (2019-01-10 13:18:55)
Dealing with bills is challenging to begin with, but you may be completely overwhelmed after being served with a lawsuit or finding that a default judgment has been granted against you if you failed to take proper action.

Student Loan Debt Ten Years Ago Was $600 Billion  (2019-01-14 12:17:20)
If you are having issues paying your student loan debt, review every option available to you before going into default. The repercussions are long-term and can lead to wage garnishing, federal interception of tax refunds, and other major problems.

Collections Lawsuits: Stop Them Before They Happen  (2019-01-21 12:14:45)
Collectors may be patient for a short time if you have been going through a rough spell after sickness or an accident, but eventually, they want to collect, even if it is much less than they were originally owed.

Can I Discharge My Private Student Loans in Bankruptcy? Not Likely!  (2019-01-22 12:29:35)
Student loans continue to push more and more consumers into bankruptcy, but student loans themselves cannot be discharged in most cases, whether privately funded or taken out through the federal government.

Court Judgments Give Creditors More Options  (2019-01-24 13:00:26)
If a default judgment is granted against you because you did not respond or lost the case in court, your first question may be whether the plaintiff can garnish your wages. In most cases, the answer is yes.

Careless Creditor Paperwork May See Collections Lawsuits Overturned Quickly  (2019-01-25 12:24:00)
While many credit card companies sell their delinquent accounts to debt collections agencies, not every company provides sufficient documentation to the buyer. Without the proper paperwork, a debt collections company usually doesn’t have a leg to stand on in court.

Private Loans Contribute to About $150 Billion in Student Debt Crisis  (2019-01-28 12:24:06)
Without as many choices for repayment to fall back on, such as deferment, forbearance, or income-based plans, private student loan borrowers may fall into delinquency or default simply because they are helpless to move forward.

Should I Worry About My Valuables Being Taken if a Credit Card Company Sues Me?  (2019-01-29 12:20:05)
If you are sued by a credit card company, you may only have 30 days or less to respond after being served. Working with an attorney in writing a response could be critical to your financial future!

Collections Lawsuits, Court Judgments and Debt Collectors: Is the Stress Making You Sick?  (2019-01-30 12:17:32)
Studies have shown that stress over money can lead to serious problems with your health, including depression, anxiety, migraine headaches, and even heart attacks.

Private Student Loan Borrowers May Still Be in Their Teens  (2019-01-31 12:53:30)
As student loan debt in the US reaches over $1.5 trillion, lenders continue to fund freshman who may find themselves in such debt once they graduate that they are forced to put off life experiences such as starting families, opening businesses, and more.

Court Judgments Could Mean Pay Garnishment  (2019-02-01 12:31:13)
While some creditors may give you some leeway due to sympathy over a serious life issue, eventually the collections activity will become aggressive. Business is business, and at the end of the day, they want their money.

Credit Card Debt After Chapter 7 Bankruptcy: How to Avoid It!  (2019-02-05 11:53:57)
Not everyone who files for Chapter 7 bankruptcy is necessarily guilty of money mismanagement; illness, unemployment, or an accident may have caused their finances to spiral out of control.

Are Private Student Loans Your Best Bet?  (2019-02-06 14:58:24)
Private student loans can be enticing for a few reasons, particularly if you have exhausted all the federal funding, grants, and scholarships available to you.

Default Judgment: Should I Just Accept It?  (2019-02-07 13:57:44)
While you may be tempted to put off dealing with debt issues until the last minute, a quick response is the best route towards a solution. The settlement, or even defense, of a collection lawsuit might be easier than you think.

Student Loan Delinquencies Rise Hand in Hand with Consumer Debt  (2019-02-08 11:57:19)
The Federal Reserve Bank of New York reported in November 2018 that student loan delinquencies had risen 9.1%, compared to the 8.6% increase in the second quarter. This spike was noted as the largest jump in seven years.

Co-Signers May Find Themselves Faced with Collections Lawsuits – Beware!  (2019-02-11 12:04:05)
Even if you trust the person you're co-signing for, circumstances out of their control could render them unable to pay. If a creditor is unable to collect from the primary borrower, they have every right to pursue the co-signer.

Household Debt in the US Heavy with Student Loans  (2019-02-12 12:27:40)
Recent studies show that the average household is in over $135,000 of debt. Even without the added personal strain of an accident or illness, many consumers are living paycheck-to-paycheck, teetering on the edge every month when it comes to their budget.

Seeing Court Action Set Aside—and Getting Finances Back on Track!  (2019-02-13 12:47:08)
Dealing with a collections lawsuit is seldom the time for a do-it-yourself solution. If you have been sued, or are concerned about being sued in the future, it's never too early or too late to ask for help!

Student Loan Debt Puts Financial Stress on Many Parents Today  (2019-02-15 12:17:25)
As parents, it's only natural for us to want to see our children succeed. However, by co-signing on expensive student loans without the proper budgeting and preparation, have you opened your family up to serious consequences down the line?

Respond to that Collections Lawsuit—But Seek Legal Help First!  (2019-02-20 20:00:02)
Time is of the essence any time a lawsuit reaches your doorstep, but it's just as important to be thoughtful in your response as it is to be quick. With the right representation, you should get the best of both worlds!

Student Loan Debt: Millennials Lead the Pack  (2019-02-22 13:03:23)
While the student loan crisis is affecting groups of all ages and backgrounds, millennials are unquestionably being hit the hardest. Many are so financially strapped that starting a family or a business is totally out of the question.

Credit Card Companies and Private Student Loan Servicers May Be Ready to Sue  (2019-02-26 12:54:51)
While there are distinct differences in how credit card companies and private student loan servicers typically operate, they are similar in that they may serve a delinquent debtor with a lawsuit at any time.

Private Student Loan Debt Borrowers Compared to Non-Borrowers  (2019-02-28 12:54:05)
Studies have shown that the growing student loan bubble has effectively moved the goalposts of success for young people in the United States. It's not that millennials don't want to own homes, businesses, or cars; they simply cannot afford them.

Let Your Attorney Help You Be Proactive Regarding a Collections Lawsuit  (2019-03-01 10:59:41)
It's tempting to let financial issues fester; confronting debt collectors head-on can be stressful, embarrassing, or even traumatic. No matter your situation, it is in your best interest to consult an experienced collection lawsuit attorney ASAP. You don't have to live in fear!

Did Healthcare Bills Result in a Court Judgment Against You?  (2019-03-05 12:51:49)
Even the most responsible financial planner may not be able to account for a sudden illness or accident. When medical bills result in a collections lawsuit or default judgment, where can you turn?

Private Student Loans? You May Feel Like There is No End in Sight  (2019-03-26 12:46:58)
Whether your student loans are private or federal, it may feel like there's no escape from the stress of what might happen if you miss a payment. Reach out to us today so we can help you determine the best route forward!

Why Ignoring Those Debt Collectors May Not Be in Your Best Interest  (2019-03-28 18:00:56)
Debt collectors can be intimidating, the legal process can be confusing, and the court may not always be sympathetic to your circumstances. Despite all this, no matter how skilled you become at avoiding the issue, these debts do not just go away. You deserve a permanent solution!

Many Americans Already Mired in Debt Before COVID-19  (2021-04-06 18:39:48)
This article discusses the hardship people and consumers have undergone through out the COVID-19 Pandemic.

Credit Card Debt, Collections Lawsuits, in the Face of Ongoing Unemployment  (2021-04-13 19:29:15)
Credit Card Debt, Collections Lawsuits, in the Face of Ongoing Unemployment

Post-COVID: Credit Card Debt & Private Student Loans  (2021-04-27 20:20:20)
Discusses Post-COVID debt