Debt settlement is also called debt reduction, debt negotiation or debt resolution. Settlements are negotiated with the debtor’s unsecured creditors. Commonly, creditors agree to forgive a large part of the debt: perhaps around half, though results can vary widely.

• Non-Bankruptcy Debt Payment/Consolidation Plans

• Foreclosure Defense 

• Repossession Defense

• Short Sales Negotiation

• Mortgage Loan Modification Assistance 

• Credit Report Repair

Attorney DeGuzman also specializes in resolving Internal Revenue Service (IRS) tax debt and tax liens, state tax liability, personal property taxes and bridge/toll violations.  If you owe the IRS, call us now.