One type of comprehensive debt relief from unsecured debt (typically credit cards) is called "debt negotiation," "debt resolution" or "debt settlement."  In this type of debt relief, one negotiates a final settlement typically at a significantly reduced rate with each of the debtor's unsecured creditors. 

Debt reduction or settlement can sometimes be the most advantageous type of debt relief for someone who is unable to pay their debts, but doesn't qualify for or desire to file a Chapter 7  bankruptcy.

Debt reduction is also typically a much faster alternative to 3-5 year Chapter 13 bankruptcy plan.

In debt resolution through this office, attorney Matthew B. Tozer represents your interests and negotiates with the creditors .    

Debt settlement has certain benefits and risks, pros and cons which will be explained to you.

To learn about the possible tax consequences of debt settlement, see article: Tax Consequences  of ...Debt Settlement.

For a free consultation, contact Christian debt settlement lawyer, Matthew B. Tozer.  

Under the law, this attorney is considered to be a debt relief agency because he helps people negotiate debt settlements and/or helps people file bankruptcy.