Debt Settlement & Relief Lawyers in Garden City, NY
Helping Clients Break Free from Debt in Nassau & New York Counties
If you are overwhelmed by debt, constantly dodging creditor calls, or facing the threat of wage garnishment or lawsuits, you may feel like there is no way out. At Snider Law PLLC, we want you to know that debt relief can be achieved with the help of a proven legal team.
Our experienced attorneys help individuals explore effective debt settlement and relief options that can provide immediate relief and long-term financial recovery. With decades of combined legal experience, we understand how stressful financial hardship can be. We offer strategic guidance to help you resolve debt without resorting to bankruptcy whenever possible.
Discuss your financial situation with a Garden City debt settlement and relief attorney at Snider Law PLLC for options. Call (646) 904-4497 or reach us online for an in-person, phone, or virtual consultation. We offer multilingual support in Spanish and Portuguese.
Understanding Debt Settlement
Debt settlement is a legal process where a debtor negotiates with creditors to pay less than the full amount owed, often in a lump sum or structured payment plan.
It is commonly used to address unsecured debts, including:
- Credit card balances
- Personal loans
- Medical bills
- Utility arrears
- Certain private student loans
- Deficiency balances after repossessions
Debt settlement is different from bankruptcy. Rather than going through the court system, it typically involves private negotiation between your attorney and creditors. If successful, debt settlement can stop collection activity, reduce what you owe, and help you avoid further damage to your credit.
Real Clients. Real Stories. Real Results.
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“Highly Recommend!”
“John is thorough, trustworthy, straight to the point, and your number one advocate.”- Satisfied Client -
“Above and Beyond!”
“John was a pleasure to work with - knowledgeable and quick to answer all my questions.”- Jessica P. -
“Responsive & Knowledgeable”
“He kept us on track through our whole home buying experience and answered ALL of my inquiries.”- Victoria M. -
“Highly Recommend”
“Mr. Snider is highly in tune with residential real estate laws and procedures.”- Chris H. -
“Stress-Free Experience”
“Working with John was an absolute pleasure. He is reliable, trustworthy, and truly puts his clients first.”- Christian C. -
“Amazing Experience”
“John negotiated my deal with professionalism, while keeping my best interests in mind at all times.”- Jeeva S.
Who Is a Good Candidate for Debt Settlement?
Debt settlement may be a valid option if:
- You are behind on payments, but not yet in default
- You have significant unsecured debt (such as credit cards, medical bills)
- You have some savings or income to fund a lump-sum settlement or a monthly plan
- You want to avoid bankruptcy and its long-term credit impact
- You are willing to work with a legal professional to negotiate effectively
This approach is not right for everyone. For those with little to no disposable income or secured debts like mortgages, other options, such as bankruptcy, may be more appropriate.
Working with a Lawyer vs. a Debt Settlement Company
While some companies offer debt settlement services, working with a licensed attorney offers significant advantages.
Unlike non-legal debt relief agencies, our firm provides:
- Legal protection and guidance through the entire process
- Creditor negotiations backed by real leverage
- Review of debt validity, helping you fight back against wrongful or inflated claims
- Clear insight into your complete legal options, including whether settlement or bankruptcy is in your best interest
Our attorneys know how to speak the language of creditors and can often secure better terms than individuals negotiating alone or through non-attorney agencies.
