Debt settlement may be a great alternative to bankruptcy for many people. Debt settlement and negotiation is a process where your debt settlement attorney negotiates the debt with creditors and debt collectors after a judgment has been entered against you. The goal of the attorney to reduce the total debt owed inclusive of interest, fees, and costs as much as possible and work out a manageable repayment plan, and then obtain a release of judgment.


First, when you hire a skilled judgment and debt settlement and negotiation attorney then the process starts with your attorney sending out a letter of representation to your judgment or debt creditor. With the sending out of the letter of representation the creditors and debt collectors are required by law to stop contacting you directly. That means no more collection phone calls, threatening letters in the mail, or emails being sent to you. Instead all communication will be directed to your attorney and your judgment and debt settlement and negotiation attorney will work with your creditor legal department to resolve your matter and obtain a reduction of the balance, setup a repayment plan, and obtain a release of judgment or release of debt for your.

Second, your judgment release or debt settlement attorney will go back and forth with the judgment creditor or creditor negotiating the best deal possible in your circumstances.

Third, once an agreement in principle is reached your attorney will then draft a debt settlement agreement with the judgment creditor, you will review the agreement to make sure it covers everything you wanted in a settlement and then when all parties sign the agreement, you will then start making payments on the payment plan and pay off your debt. Once you have payments in full the judgment creditor will file the release of judgment with the court and provide you with an official copy of the release.


If you are going through a refinancing or sale of your primary residence (“Homestead”) in Texas and the title company has found a lien on your home then you it will create problems with refinancing or selling your home.

But do not lose hope. You may get a Partial Release of Lien on your homestead from the judgement creditor. There is a process to follow under the Texas Property Code to get this done. However, this process can take approximately 60 days to finalize the partial release of the lien if you are not interested in paying off the balance.

The typical process involves sending out notices to the judgment creditor and then filing affidavits with the county real estate office.

If you are interested please give us a call to discuss all your options.

Please contact a Judgment Settlement and Negotiations Attorney at Jaffer & Associates located in Dallas, Texas for a Free Case Evaluation. We serve all of Texas.

How Much Does it Cost to Hire a Debt Settlement Attorney?

We charge a flat fee based on the amount of the debt.

Amount of Debt:Flat Legal Fee:
Less than $2,500.00$499
$20,000.01-$25,000.00   $2,499
over $35,000.01+Call For Pricing

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