Non-Bankruptcy Options

Serving Cook, Will, Grundy, DuPage, Kendall, Kane, LaSalle, and Lake Counties.

If you do not wish to file a bankruptcy and/or bankruptcy is not the best option for you – we will look to other options to address your debt, including debt settlement & debt negotiation. We can work with a creditor or creditors to negotiate a debt settlement. Creditors often accept a negotiated payment amount – that is significantly less than the balance owed (via a lump sum payment or short repayment schedule) as settlement of the account. The account is then considered legally paid-in-full for less than the full balance.


There are several different arrangements we can use when attempting to work with your creditors:

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