Debt Negotiation

Debt Negotiation is a credit card debt relief program that involves ongoing negotiations with creditors with an overall goal to pay back a lesser amount of money than what is owed. This can be an extremely effective tool for people to utilize when considering options to get out of debt. Debt Negotiation is a structured savings plan where each month, a payment is made into the program. Payments are saved in a specialized account so each month, money begins accumulating in your account. As your funds grow, settlements are negotiated with creditors and the process is repeated until all debt is paid off. This process can potentially save someone a significant amount of money and you can potentially get out of debt in a relatively short amount of time without the need for filing for Bankruptcy. Debt Negotiation is commonly referred to as credit card Debt Settlement and is a widely used Bankruptcy alternative.

What Is Debt Negotiation?

Debt Negotiation is designed to help struggling consumers reduce unsecured debt.

Debt Negotiation is not credit counseling or debt management. It is not intended for those consumers who are able to manage their money or pay their bills on time and is considered one of several Debt Relief options for consumers. Debt Negotiation is often times considered the most aggressive approach to resolving your unsecured debt issues without having to file for Bankruptcy. Many consumers find themselves searching for Debt Relief options including Debt Negotiation due to unforeseen circumstances that have caused some sort of financial hardship.


For many, Debt Negotiation is a very viable to accomplish your goals of becoming debt free. Debt Negotiation on both the creditor side as well as the consumer side is a business transaction that doesn’t usually happen immediately. Upon speaking to creditors, most are eager to receive as much money in the shortest amount of time possible without taking into regard your personal financial state. It doesn’t matter if you are providing the last few dollars to put food on the table. Brownstone Law Group, PC’s Debt Negotiation program will take into consideration everything in your life including your budget, your creditors and your financial goals and in turn will create a realistic, budget friendly plan that will be executed and followed until we reach our collective, ultimate goal of becoming debt free.


If you are deep in debt, you are probably looking for some form of debt counseling or debt relief. A well planned debt negotiation program can be of great help in taking strides towards financial freedom.

There are many benefits that come with a debt negotiation strategy. Debt Negotiation (more frequently known as Debt Settlement) will help you by potentially negotiating and lowering unsecured debts that you may enroll in the program.

The Debt Negotiation process is really quite simple. With our Debt Negotiation Program, you will make a monthly payment that fits within your budget and each month. Each month, your savings balance will grow and as the savings amount grows to a critical number, the amount you saved will be applied towards a settlement with your creditors that is skillfully negotiated by our Negotiators at Brownstone Law Group, PC. Once a settlement is reached and agreed upon, the process will be duplicated until you have completed the program and resolved your enrolled accounts.

Financial Hardship
For Debt Negotiation to be effective, consumers must have experienced or are currently experiencing some form of hardship. Due to the economy, millions of consumers across the nation are dealing with their own personal hardships. Examples of personal hardship being job loss, income reduction, medical expenses, overextension of finances, illness and death. These are frequent hardships that we see from clients who wish to enroll in the Debt Negotiation program.

Creditor Contact
Dealing with Creditor calls are part of any Debt Negotiation program. Creditors have a long list of state and federal laws including the Fair Debt Collection Practices Act (FDCPA) they have to adhere to and some do, some do not. The FDCPA protects you from receiving harassing, threatening or illegal calls from collection agencies. Creditors do have the right to contact you as they are attempting to collect on the debt you owe. Brownstone Law Group, PC. may be able to help alleviate some calls however you can expect to receive periodic calls as part of the creditor’s standard collection process. Brownstone Law Group, PC. can provide you with literature which outlines your rights under the FDCPA as well as provide you with suggestions on how choose to handle calls.

Is Debt Negotiation Right For Me?
You may be asking yourself, is Debt Negotiation right for me? Am I in need of a Debt Relief program? If you find yourself dealing with the statements below, Debt Relief may be a good fit for you. Many consumers use this avenue to alleviate their unsecured debt issues. Debt Negotiation has a high ceiling when it comes to potential benefits; however, there are there are some risks which we will make you aware of. It comes down to a simple formula of risk vs reward. Most clients feel the potential reward is well worth the risk but with that said, Debt Negotiation is not right for everyone. Call Brownstone Law Group, PC. today to discuss how our Debt Negotiation program works and how it can help you become debt free.

Living paycheck to paycheck paying minimum unsecured debt payments.
Borrowing money to pay your unsecured debt payments.
Experiencing a loss of income due to unemployment or loss of wages.
Experiencing medical conditions with mounting costs.
Mismanaged finances that have grown out of control.

Brownstone Law Group, PC.’s Debt Negotiation Program can assist consumers who want to explore all options to avoid filing Bankruptcy. With Debt Negotiation, you are not obtaining a high interest loan that needs to be paid back or borrowing money against your home or 401k. Debt Negotiation is a simple and cost effective approach to helping consumers reach their goal of becoming debt free.

Our Southern California Locations

Feel free to call or visit any of our convenient offices to discuss your consumer debt issues and we can help you determine if one of our debt or consumer credit counseling programs is right for you.

Brownstone Law Group
Orange County Debt Consolidation and Debt Settlement
Phone: (323) 443-7136
333 City Blvd West, # 1700
Orange CA 92868 USA

Brownstone Law Group
San Diego Debt Settlement and Debt Negotiation
Phone: (619) 485-3045
2534 State St #417
San Diego CA 92101 USA

Brownstone Law Group
Los Angeles Debt Attorney
Phone: (888) 853-8871 FREE
Los Angeles CA


Get in touch to learn how we can help.

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Why Choose Us?

  • A Rating With the Better Business Bureau 
  • Charter Member Of the Business Consumer Alliance With an AAA Rating
  • Licensed With the State Bar of California
  • Many Satisfied Debt Free Clients
  • Hands-On Approach Providing Personalized Service To Each Client
  • Flexible Program Terms Custom Tailored To Each Client

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This is an attorney advertisement and this website is for informational purposes only

The information contained on this website is not to be construed as legal advice. It is not intended to solicit or form an attorney-client relationship. Debt settlement, debt negotiation or debt resolution programs (the “Program”) are not an offer or promise to lend money and neither they nor Brownstone Law Group, PC. (“BLG”) assume or pay any consumer debt or make monthly payments. BLG is not affiliated with any lending institution, bank, collection agency or collection law firm. Individual Program results may vary and are based on but not limited to the ability of clients to save funds and successfully complete their Program terms and conditions, the amount and type of debts and creditors, history of accounts and financial standing of clients. Past performances of Clients do not guarantee future results for others and BLG does not guarantee that debts enrolled in the Program will be settled at a specific percentage or amount, or that you will be debt free within a specific time period. Not all Clients complete our Program for a variety of reasons including but not limited to an inability to save sufficient funds. The Program may have an adverse impact on Clients credit. Our services may not be available in all states please check with BLG for state eligibility. Please contact a tax professional to discuss potential tax consequences of settling debt. This website and the content of this website has been reviewed and approved by Thomas A. Moore the managing partner of BLG who’s mailing address is PO Box 629, Orange CA 92856-6629. Copyright Brownstone Law Group, PC. All rights reserved. Unauthorized use of the BLG website includes but is not limited to content copying, duplicating or replicating is strictly prohibited. Furthermore, use of this website is subject to the Terms of use.

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