Debt Consolidation Lawyer
Debt consolidation means rolling multiple debts into one monthly payment, and let's be upfront: the tool we use is Chapter 13 bankruptcy, consolidation with a judge behind it. You get one payment you can actually live with, and a discharge of the remaining qualifying debt at the end, which no loan or debt-management plan offers.
Qualifying filers may be eligible for our $999 flat fee Chapter 7.
One payment, one plan
A consolidation loan can work when your credit is still strong and the new rate actually pays the debt down. When the math doesn't work, Chapter 13 is court-supervised consolidation: one payment built around your real budget, interest and late fees generally stop, and creditors have to go along with it. And sometimes Chapter 7 is the honest answer, often cheaper and faster than years of payments. We'll tell you which fits, free.
How Chapter 13 consolidates your debt
- Roll multiple debts into one monthly payment
- Stop collection calls and lawsuits
- Pay down what you owe over 3 to 5 years
- Often repay only a portion of unsecured debt
Why it beats a consolidation loan
- No new loan and no good credit required
- Court protection a private loan cannot give you
- Interest and late fees generally stop
- One predictable payment, shaped around your budget
The Debt Consolidation Roadmap
A clear path to one affordable monthly payment.
-
1
Step 1 of 13
Free consultation
A free call or Zoom, no strings. We add up what you owe, look at your income, and tell you whether one court-approved payment beats the loan you were about to apply for.
-
2
Step 2 of 13
Credit counseling
An hour-long online course the law requires before filing. Quick and painless.
-
3
Step 3 of 13
We gather your documents
Pay stubs, tax returns, and the full list of debts we're consolidating. You round them up, we handle the rest.
-
4
Step 4 of 13
We build your plan
Every debt goes into one monthly number shaped around your actual budget, over 3 to 5 years.
-
5
Step 5 of 13
We file
Filing triggers the automatic stay: collection calls, lawsuits, and garnishments stop that day.
-
6
Step 6 of 13
Your first payment
The first consolidated payment starts within 30 days of filing, even before the court signs off.
-
7
Step 7 of 13
Meeting of creditors
One short video meeting with the trustee, usually just minutes. We prep you beforehand.
-
8
Step 8 of 13
The trustee reviews your plan
The trustee double-checks the budget and the payoff math before recommending approval.
-
9
Step 9 of 13
Plan confirmation
The court locks the plan in. From then on, every creditor is bound by it.
-
10
Step 10 of 13
You make your payments
One payment a month to the trustee, who divides it among everyone you owe. No more juggling due dates.
-
11
Step 11 of 13
Debtor education course
A second short online course, done before the plan finishes.
-
12
Step 12 of 13
You finish the plan
After 3 to 5 years, you've paid what the plan required, often only a portion of the unsecured debt.
-
13
Step 13 of 13
Discharge
This is the part no consolidation loan offers: the court wipes out the remaining qualifying debt. Paid, done, fresh start.
We will help you get to a 720 credit score
It will not take long to rebuild your credit because we give you the tools to do it. 7 Steps to a 720 Credit Score is a free bonus course, included with your case, that walks you step by step toward a 720 credit score.
Follow the steps and you could be back to a great score in no time: qualifying for low-interest cards, saving thousands on car and home loans, and never again dreading a credit check from a landlord or employer.
Common questions about Debt Consolidation
Is this a consolidation loan?
No, and we won't pretend otherwise. It's Chapter 13 bankruptcy, a court-approved repayment plan. There's no new loan to qualify for, and unlike a debt-management plan, it ends with a court-ordered discharge of the remaining qualifying debt.
Do I need good credit to qualify?
No. Unlike a bank consolidation loan, Chapter 13 does not require good credit. It is built for people who are already behind.
How much will my one payment be?
It is based on your income, your expenses, and what you owe. We will walk through the numbers with you in your free consultation before anything is filed.
Will it really stop the collection calls?
Yes. The moment we file, an automatic stay stops collection calls, lawsuits, and wage garnishment while you repay through the plan.
Can I do this from Philadelphia or South Jersey without coming in?
Yes. We handle everything over phone and Zoom, from your first call through your filing, anywhere in Pennsylvania or New Jersey.
Would Chapter 7 be better than consolidating?
Sometimes, yes. If most of your debt is unsecured and you qualify under the means test (the income test that decides who can file Chapter 7), Chapter 7 can wipe it out in a few months instead of years of payments, often for less money overall. We compare both chapters in your free consultation and tell you straight which one fits.