Overwhelmed with debt? You’re at the right place. We will discuss debt consolidation attorneys and how they can help you get rid of your debt once and for all. Unlike debt settlement companies, who tend to focus on one service (settlement), debt lawyers and attorneys can offer a large variety of services that include debt management plans, bankruptcies and handle more complex cases. In this page, we’ll review some of the top lawyers in this industry, and what they can offer for you to help with your debt.
💼 What Is a Debt Consolidation Lawyer?
In a nutshell, a debt consolidation lawyer (or debt relief attorney) is a legal professional who helps individuals or small businesses better manage their debt, which may involve legally restructure their debts into a single payment plan — typically to avoid bankruptcy, protect assets, or stop aggressive creditor actions.
Unlike debt consolidation companies or financial counselors, these lawyers can provide legal advice, negotiate settlements, and represent you in court.
Top 10 Debt Consolidation Law Firms & Attorneys
1. Oak View Law Group (OVLG)
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Location: Auburn, CA (Headquarters); also has a contracted attorney location in Metuchen, NJ.
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Availability: Offers services nationwide.
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Website: ovlg.com
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Phone: (800) 530-6854
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Reviews:
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BBB: A+ rating; BBB Accredited since 2016.
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Google: 4.7 stars.
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Trustpilot: 4.4 stars.
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Client Testimonials: Over 400 video and text reviews available on their website.ovlg.com
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Best for: All-around debt relief, especially payday loans and private student loans
Based in California, OVLG is one of the few law firms offering full-service debt settlement, consolidation, and bankruptcy support to clients across the U.S. They’ve helped over 6,700 clients and even offer a 100% satisfaction guarantee. OVLG handles nearly all consumer debt types and lets clients track their progress through an online dashboard. Their support is fully remote, with consultations done by phone or video. Read our review of OLVG for more.
2. McCarthy Law PLC
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Location: Scottsdale, AZ.
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Availability: Provides services in multiple states; contact directly for specific state availability.
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Website: mccarthylawyer.com
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Phone: (855) 875-9920
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Reviews:
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BBB: Not BBB Accredited.
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NiceJob: 4.3 stars from 72 reviews.
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Yelp: 3.4 stars from 20 reviews
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Best for: Legal defense if you’re being sued over debt
McCarthy Law is known for defending clients in court against debt collectors and creditors. They negotiate debt settlements and also help with credit report disputes and FDCPA violations. All services are performed by licensed attorneys. If you’ve been served with a lawsuit or want legal protection while settling debt, this is one of the best firms in the country.
3. National Legal Center
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Location: Candia, NH.
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Availability: Offers services in over 30 states.
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Website: nationallegal.com
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Phone: (800) 728-5285
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Reviews:
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BBB: A+ rating; BBB Accredited since 2008.
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Facebook: Positive client testimonials highlighting knowledge and trustworthiness.
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Best for: Low-income or fixed-income clients seeking personalized help
This debt consolidation law firm provides debt relief and legal protection for seniors, veterans, and people with disabilities. Their team of attorneys operates in over 30 states, and all services are remote. They also help enforce consumer protection laws if you’re being harassed by collectors. Clients often praise the supportive, non-judgmental approach.
4. Price Law Group
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Location: Encino, CA.
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Availability: Offers services in multiple states; contact directly for specific state availability.
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Website: pricelawgroup.com
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Phone: (866) 210-1722
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Reviews:
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BBB: Not BBB Accredited.
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Yelp: 3.7 stars from 3 reviews.
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Best for: Clients weighing bankruptcy vs. settlement
With 30+ years of experience, Price Law Group is ideal if you need to explore both bankruptcy and out-of-court settlement options. They operate nationwide, represent you in court if needed, and offer services under the “Resolve Law” brand. They’re particularly skilled at handling large debt loads and foreclosure defense.
5. Watton Law Group
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Location: Milwaukee, WI; with offices in multiple states including MO, CO, and AR.
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Availability: Offers services in multiple states; contact directly for specific state availability.
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Website: wattongroup.com
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Phone: (414) 409-5422
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Reviews:
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BBB: Not BBB Accredited.
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Client Testimonials: Positive reviews highlighting professionalism and responsiveness.
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Best for: Foreclosure defense and bankruptcy
Watton Law Group focuses on helping clients avoid foreclosure, stop wage garnishment, and restructure secured debts through bankruptcy. They’re a great choice for people behind on mortgage or car payments. Though based in the Midwest, they work with clients across the U.S. and have decades of experience in consumer law.
6. Ariano & Associates
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Location: Information not readily available.
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Availability: Offers services in multiple states; contact directly for specific state availability.
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Website: Information not readily available.
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Phone: Information not readily available.
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Reviews: Information not readily available
Best for: Personalized, small-firm legal service
This firm offers hands-on, attorney-led support with a focus on debt settlement and bankruptcy. Clients appreciate having a direct line to their lawyer instead of going through paralegals or call centers. They handle credit card, payday, and student loan debt (private), and work with clients in multiple states remotely.
7. Recovery Law Group (Wajda & Associates)
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Location: Anderson, IN.
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Availability: Offers services in multiple states; contact directly for specific state availability.
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Website: recoverylawgroup.com
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Phone: (310) 997-0479
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Reviews:
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BBB: Not BBB Accredited.
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Reviews.io: 4.75 stars from 181 reviews
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Best for: Quick bankruptcy filings and settlement with tech support
Recovery Law Group provides debt relief and bankruptcy help in over a dozen states. Their mobile-friendly portal and strong customer support make it easy to work with them remotely. They also take legal action against abusive debt collectors and offer flexible payment plans.
8. Kaplan Law Firm
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Location: Chicago, IL.
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Availability: Offers services in multiple states; contact directly for specific state availability.
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Website: kaplanlawatx.com
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Phone: (312) 294-8989
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Reviews:
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BBB: Not BBB Accredited.
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Client Testimonials: Positive reviews highlighting professionalism and dedication.
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Best for: Student loan debt and forgiveness programs
If your biggest issue is student loan debt (especially federal loans), Kaplan Law is the clear choice. Attorney Rae Kaplan is a nationally recognized expert in Public Service Loan Forgiveness and income-based repayment. They also handle bankruptcy and consumer debt, but their student loan expertise is unmatched.
9. Five Lakes Law Group
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Location: Southfield, MI.
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Availability: Offers services in multiple states; contact directly for specific state availability.
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Website: fivelakeslawgroup.com
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Phone: (855) 441-6129
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Reviews:
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BBB: A+ rating; BBB Accredited since 2025.
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ConsumerAffairs: Positive reviews highlighting effective debt resolution.
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Best for: Affordable debt consolidation without bankruptcy
Five Lakes offers a structured debt settlement program with attorney oversight, all done online. You make one affordable monthly payment, and they negotiate with creditors on your behalf. It’s great for clients with moderate debt who want to avoid court or bankruptcy. Their app lets you track your progress easily.
10. Turnbull Law Group
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Location: Naperville, IL.
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Availability: Offers services in multiple states; contact directly for specific state availability.
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Website: turnbulllawgroup.com
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Phone: Information not readily available.
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Reviews:
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BBB: F rating; Not BBB Accredited.
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Trustpilot: Rated Excellent with 906 reviews.
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Yelp: Positive reviews highlighting professionalism and ease of process
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Best for: Large-scale debt relief and legal backup
Turnbull Law Group has resolved over $1 billion in debt and represents more than 80,000 clients. They combine attorney-led settlement programs with legal defense and bankruptcy filing options. If you’re facing lawsuits or overwhelmed with multiple types of debt, Turnbull offers the resources and scale to help fast.
N.B.: that availability and services may vary by state. I’d recommend to inquire and contact each firm directly to confirm their services in your specific location.
🧠 What These Attorneys Can Help With
Any debt consolidation lawyer listed above can help with the following:
| Legal Service | Description |
|---|---|
| 🧾 Negotiate with creditors | Work directly with your creditors to reduce balances, waive penalties, or extend your repayment terms. |
| ⚖️ Provide legal protection | Stop wage garnishments, bank levies, or lawsuits through court intervention or filing legal motions. |
| 💳 Structure legal payment plans | Develop a court-approved repayment plan, such as a consumer proposal (Canada) or Chapter 13 bankruptcy (U.S.). |
| 🛡️ Represent you in court | Defend you in lawsuits from creditors or debt collectors and navigate the bankruptcy process. |
| 📝 Handle complex debt cases | Deal with tax debt, secured loans (like car repossessions), or debts involving judgments or liens. |
⚖️ When to Hire a Debt Consolidation Lawyer
Consider a lawyer when:
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You’re being sued by a creditor or face wage garnishment
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You have complex debts (tax debt, secured loans, business debt)
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You’ve been threatened with repossession or foreclosure
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Your debt is too overwhelming for standard consolidation loans
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You want to explore legal debt restructuring or bankruptcy alternatives
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You need peace of mind with attorney-client privilege
🆚 Comparison Table: Debt Consolidation Lawyer vs Other Providers
| Feature / Provider | Debt Relief Company | Credit Counselor | Debt Consolidation Lawyer |
|---|---|---|---|
| Combines debt into one payment | ✅ Yes | ✅ Yes | ✅ Yes |
| Offers financial coaching | ✅ Sometimes | ✅ Yes | ⚠️ Rarely |
| Can lower interest rates | ✅ Yes | ✅ Yes | ✅ Yes |
| Can negotiate to reduce debt | ✅ Yes | ⚠️ Sometimes | ✅ Yes |
| Can protect you legally | ❌ No | ❌ No | ✅ Yes |
| Can stop wage garnishment | ❌ No | ❌ No | ✅ Yes |
| Can represent you in court | ❌ No | ❌ No | ✅ Yes |
| Can file bankruptcy or proposals | ❌ No | ❌ No | ✅ Yes |
| Regulated by law/bar association | ❌ No | ❌ No | ✅ Yes |
| Good for small unsecured debts | ✅ Yes | ✅ Yes | ⚠️ Overkill |
| Best for complex/high-stakes cases | ❌ No | ❌ No | ✅ Yes |
| Typical cost | 15–25% of debt enrolled | Monthly fees | Hourly or flat legal fees |
✅ Pros and ❌ Cons of Hiring a Debt Consolidation Lawyer
| ✅ Pros | ❌ Cons |
|---|---|
| Can legally protect you from collections | Typically more expensive than debt settlement companies |
| Handles lawsuits, judgments, and garnishments | Not needed for simple debt or small balances |
| May negotiate better outcomes legally | May recommend bankruptcy if no other option |
| Gives access to court-supervised plans | May require in-person meetings |
| Often more ethical/regulated than some firms | Not all lawyers specialize in debt relief |
🧭 Should You Hire One?
✅ YES, if:
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You’ve been sued or garnished
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You’re dealing with tax debt or legal judgments
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You’re considering bankruptcy
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You need full legal protection and representation
⚠️ NO, if:
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You just need help with budgeting or negotiating interest rates
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Your debts are small or under control
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You’re eligible for free nonprofit credit counseling
Amine is an entrepreneur, investor and financial writer that covers the US economy, inflation, alternative investments, cryptocurrencies and more. He has been involved in the space for over a decade.
