Keith E. Herron and Associates

Attorneys at Law

Business Bankruptcy Lawyer

Debt Settlement and Negotiation

Debt Settlement or Negotiation is a process of dealing with your creditors to get them to reduce the debt you owe.  We are experienced skilled attorneys that can help you view all your options and choose the best path for you to take. As a San Diego business bankruptcy lawyer, your can feel confident bringing your small business financial issues to Herron and Associates.

Debt Consolidation, Settlement Companies and Credit Counseling

​Often, people try to reduce their debt by hiring a Debt Consolidation or Debt Negotiation company, or seek Credit Counseling.  Many find that the fees are high and that if a payment is missed it can wreck the whole settlement. In the end it leaves them owing a higher amount with added interest and charges, further reducing their credit score.

We are Aggressive...

We look at the "big picture" and can work with other options like Reorganization, Negotiation or Bankruptcy.  We can provide you with practical legal advice after fully analyzing your situation. Debt settlement companies don’t do this. Only about 1 in 10 consumers participating in debt settlement programs actually ends up debt free in the promised period of time.  This is according to a consumer alert issued by the nonprofit National Association of Consumer Bankruptcy Attorneys.

What Should I Expect from Working with Herron and Associates?

We should be able to lower the amount of unsecured debt that you have to pay back. Creditors take a big risk on unsecured loans, so they would rather earn back part of the money that they loaned out than none of it, which is what happens if you file for bankruptcy. There is no guarantee that we will be able to lower your debt. However, hiring an attorney gives you a much better chance than if you handle your creditors on your own or with a debt settlement service. Every client's situation is unique.  

Call us to see what we can do for you.  (619) 450-7962 


*Keith E. Herron and Associates provides legal advice and representation. The information on this website is for informational purposes only. Nothing on this or associated pages, documents, comments, answers, e-mails or other communications should be taken as legal advice for any individual case or situation. An Attorney-Client relationship is creation only by the signing of an Attorney-Client agreement.
*Congress has designated us a debt relief agency because we counsel people on filing for bankruptcy.


5186 West Point Loma Blvd., San Diego, CA  92107  |   (619) 450-7962  |

(619) 450-7962