Consumer Legal Defense and Debt Settlement
The Law Office of William David Denny is a legal practice dedicated to helping consumers who are struggling with personal debt. If you are overwhelmed by financial obligations that you just cannot keep up with, please contact my office for a free consultation.
My office serves the entire state of California and is located in San Diego. If you are a California resident in need of debt relief, please contact me today.
Consumer Debt Defense
If you are reading this, there is a good chance that you have just been blindsided by a lawsuit filed by a bank or collection agency. Unfortunately, this is not uncommon in California. There is also a good chance that you may not have ever heard of the company that filed the suit!
You might ask, “Why me?” Creditors file these lawsuits knowing that many people ignore the lawsuit. When a lawsuit defendant fails to take action, the court may allow the creditor to get a judgment by default, which could lead to a wage garnishment, a bank levy, or a lien against real estate. The long story short is that the judgment creditor is looking for a legal way to take your money.
First: Do not panic. Receiving a lawsuit is a stressful event but remember: You have a right to defend yourself! Court procedure requires that the creditor wait at least 30 days after providing notice of the lawsuit to you before it can ask the court for a default judgment. A proper and timely filed response to the lawsuit should prevent the court from entering a default judgment. You may still have time to carefully consider your options before taking action.
Second: Do not ignore the lawsuit! Failure to act could result in the court issuing a default judgment.
Often, a consumer who is unfamiliar with the complexities of the modern-day legal system has the mistaken belief that he or she will automatically receive a court date after receiving service of the lawsuit. This is not the case. The court is unlikely to schedule any hearing dates until the consumer has filed the correct document in response to the lawsuit with the court clerk.
Call me at (619) 884-6932 or email me at williamdenny@wdennylaw.com to discuss your options. Your first consultation with me is absolutely free.
You have a legal problem, and you deserve to speak directly with an attorney who can help. Other firms may route your calls to a secretary, case manager, or paralegal, and while these folks may have the best intentions, they cannot provide legal advice because they are not attorneys. Unlike many larger collection defense firms, you will speak directly with me personally.
I offer debt defense services on an affordable flat fee basis with payment plan options for clients who are experiencing financial hardship. I will personally make sure that the proper paperwork is filed with the court to avoid the entry of a default judgment followed by any other action that is necessary to resolve the ca
Perhaps you have found yourself drowning in debt due to an unforeseen medical or personal event, the rising cost of living, or the inability to find work at a fair rate of pay. My office can help.
A debt is settled when the creditor agrees to accept a lesser amount of money to fully satisfy the debtor’s obligation to pay an account. Settlement savings are typically maximized when the debtor can make a “lump sum” settlement payment, but many creditors may agree to a settlement reduction based on a monthly payment plan. I will help you formulate settlement offers that maximize your settlement savings and still fit your budget.
Low-cost flat fee rates and no hidden charges.
I offer flat fee debt settlement services with no upfront costs. Before you sign up with one of the high-volume debt relief companies, give me a call to discuss your situation. My flat fees are often less than half the cost of the contingency fees that those big companies charge. Additionally, with my debt settlement services, there are no hidden fees or third-party agencies holding onto your money while you wait for a settlement agent to get around to working on your accounts. Most importantly, I do not collect a settlement fee from you until the creditor has agreed in writing to an approved settlement.
My clients come first.
As always, when you work with my office, I will be personally handling your affairs. Unlike those big debt relief agencies, as a CA licensed attorney, I have an ethical duty to make sure your personal financial interests are the top priority. A good debt settlement service must take into account your personal needs and ability to make payments. I’ll make sure that you have a realistic understanding of the settlement process, so that you can make decisions that best fit your budget. Rest assured that you will not pay a settlement fee to my office unless your account is settled with your approval.
Debt Settlement
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