With more than 25 years of legal experience, Carl is a distinguished attorney with a proven track record of helping hundreds of clients significantly reduce their debt. When debt negotiation isnu2019t a real option, the Law Office of Carl R Retter is able to handle bankruptcy filings with privacy and a competitive fee. We specialize in debt settlement which is the process of negotiating for a significant reduction in your debts, helping you to settle the debts without bankruptcy. For some of our clients, this may be the most appropriate way to deal with their debt problems. In a debt settlement approach, we can defend you if you have been sued by a creditor. And if you have valid defenses to the debt, we will assert your defenses in court to protect your rights. If youu2019ve been sued by a bank, credit card company, third-party debt buyer or other creditor, we can help. It is urgent that you contact an attorney right away because your time to respond to such a lawsuit is very limited. Failure to adequately respond & defend a debt collection lawsuit can result in a default judgment against you that paves the way to garnishment and other collection actions. We know how to defend debt collection lawsuits. We perform a thorough analysis to determine if you have viable defenses to the lawsuit, which might include statute of limitations issues, payment or other satisfaction of the alleged debt, erroneous contracts and paperwork, assignment errors and many other defenses. Our firm understands your legal rights in a collection lawsuit and we use the law to protect our clientsu2019 interests. An attorney negotiated debt settlement works best for those with a source of income or access to funds that could be used to settle the debt. We have settled numerous debts for clients at a fraction of the balance claimed by the creditor. When youu2019re struggling with debt, you have a lot of options.