S.J. Packman & Associates offers processes that will really help people in these difficult financial times we are all dealing with. The only areas of law we practice are related to consumer debt. Debt is all we deal with and what we specialize in.

Whether it’s a mortgage problem, credit card problem, creditor harassment, or any problem relating to excessive debt, we’re here to help. We will negotiate with your creditors to achieve mutually agreeable arrangements on your behalf. If you're motivated to take action to get yourself out of debt, then one of the different processes that we offer can help you.

We are a full disclosure company. That means we have to tell you everything whether it’s good or bad so you’ll have no surprises down the road, and so you can make the right decision on which process is best for you.

You owe it to yourself to get the help you deserve. You have many rights that your creditors do not want you to know about. To learn more about your options, call or come in for a free consultation.

At S.J. Packman & Associates, we are consumer debt attorneys. We negotiate for you!

We can help you with credit cards, medical bills, & collections accounts

• Avoid Bankruptcy and Reduce Your Outstanding Balances By 25-75%
• Reduce Your Monthly Payments
• Settle Your Accounts in as Little as 1-36 Months

Settle Your Debt End Creditor Harassment

We can help you with mortgage problems

• Lower Your Mortgage Payments
• Get Your Mortgage Rate to a Low Fixed Rate
• Save Your Home From Foreclosure

Avoid Foreclosure Guard Against Lawsuits

We can even help you file bankruptcy if you need to

• Whatever your situation calls for, we have the choices that can help you out!

Help With Bankruptcy Get Debt Counseling

888-314-1722