Debt Negotiation & Restructuring

Personalized Legal Solutions for Financial Recovery

At Phatangare Legal, we assist individuals and small businesses in navigating serious debt challenges through Debt Negotiation and Restructuring services. We understand that financial strain can stem from multiple sources and that each situation calls for a strategic, legal, and individualized solution. Whether you’re facing relentless creditor calls, mounting monthly payments, or legal threats, we work to help you settle debts, restructure obligations, or assess whether bankruptcy is the right step forward.

Our services are ideal for a wide range of financial obligations, including:

  • Credit Card Debt

  • Medical Bills & Hospital Debt

  • Merchant Cash Advance (MCA) Loans

  • Personal Loans

  • Private Lending Agreements

  • Unpaid Rent / Landlord Claims

  • Debt from Personal Injury or Settlement Disputes

  • Judgment Debt & Collection Actions

  • Other Unsecured Financial Liabilities

How We Help:

Every client’s financial picture is unique and so is our approach. Our services include:

Comprehensive Financial Review: We begin by reviewing your income, assets, liabilities, and financial obligations. This allows us to fully understand the pressures you’re facing before advising on your best legal options.

Attorney-Led Negotiation with Creditors: We communicate directly with creditors, debt collectors, and opposing counsel using legal experience to push for reduced balances, structured settlements, or modified payment terms that work for you.

Debt Restructuring Strategy: Where negotiation isn't enough, we explore creative and legally sound ways to restructure your financial obligations. This may involve reworking timelines, reducing interest, or consolidating liabilities.

Bankruptcy Suitability Consultation: In some cases, bankruptcy may be the most realistic path to relief. We provide honest, strategic advice on whether Chapter 7 or Chapter 13 bankruptcy would suit your circumstances and refer or assist with filing where appropriate. The decision is always yours, but we ensure it’s an informed one.

Flat-Fee Certainty Wherever Possible: We believe in cost transparency. We offer flat-fee arrangements wherever the matter permits, giving you clarity and predictability at the outset. For example, credit card debt negotiations start at $250 per account. For more complex matters, we provide clear fixed-fee quotes no percentages or hidden charges.

Let’s Take the First Step Together

Whether you're trying to avoid a default, protect your income, or stop creditor harassment, Phatangare Legal offers experienced and compassionate guidance. We don’t just negotiate we provide legal strategy for long-term financial recovery.