Debt Settlement

Debt Settlement Lawyers in Morristown

Serving Morris County and the Surrounding Area

If you are overwhelmed by debt and falling behind on payments, you have several options at your disposal. With the help of our experienced debt settlement lawyers at Ast & Schmidt, P.C., specific types of debt can be settled for even pennies on the dollar. You may be offered a settlement plan from a credit card company or collection agency.

With the help of our team, you can expect real relief. We are aware of how much your creditor will accept, and it is typically far lower than they will tell you.

How Does Debt Settlement Work?

At our firm, we work for you—no one else. The process will involve negotiating with your creditors to arrange a reasonable settlement to free you from the debt altogether. If we successfully settle your debt, you can avoid bankruptcy and pay for less than what you owe.

Because we are a bankruptcy law firm, the creditor will know that we could advise you to file bankruptcy. If that is our recommendation, the creditor would potentially get nothing from you. This level of pressure allows us to negotiate very favorable settlement terms for the people we represent. Should the creditor be unwilling to come to a fair settlement offer, we can take your case to the next level and help you file for Chapter 7 or Chapter 13 bankruptcy.

Why Choose Us?

At Ast & Schmidt, P.C., we work individually with each person to identify the best debt settlement plan that provides the greatest benefits and minimal risk. Never accept an offer for settlement from a credit collection agency without speaking with us first—it is likely we can negotiate far better terms than they are offering. We care about our clients, and we get results.

Take the First Step—Call Our Morristown Firm Today

At Ast & Schmidt, our debt settlement attorneys have decades of experience working with creditors. We understand how they operate, and they know we know our business. Our goal is to establish the most favorable terms for you, and we go the distance.

Contact us today for assistance with debt settlement. Call us at (973) 363-2260 to schedule a free consultation with one of our debt settlement lawyers in Morristown.

Past Clients Tell Us Their Stories

  • “They were always understanding of our concerns and patient with our questions. Thank you all!”

    - Ann R.
  • “One that is there to help instead of someone who will treat you like another number. 5 stars isn't enough.”

    - M.H., Chapter 7 Client
  • “'m am very grateful to have hired this firm. It was smooth and now I can breathe again. Thank you, everyone, at Ast & Schmidt.”

    - Rich L.
  • “It's nice to know there are still qualified and concerned people in the world today.”

    - Patty R.
  • “They answered all my questions, guided me through all of the challenges with great care. Most importantly, they were extremely professional. I would highly recommend Ast & Schmidt for your bankruptcy legal needs.”

    - James M.
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What Sets Us Apart

How We Can Help You 
Move Forward
  • Personalized Services Tailored for You
  • Over 30 Years of Bankruptcy Experience
  • Free Initial Consultations
  • Available After Hours by Appointment
  • Direct Advice from Our Attorneys
  • Realistic Expectations Provided

Begin Your Fresh Start

Our team has over 30 years helping clients.  Let us help you.
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