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Debt Relief vs. Bankruptcy

Bankruptcy Attorneys in Charlotte – Call Us at (704) 710-8182

Filing for bankruptcy can be the best choice for some, it is not necessarily for everyone. If you have so much debt that you will either never be able to repay it or will take years to repay, then bankruptcy may be the quickest and cheapest way for you to get a "fresh start".

This is because the cost of filing for bankruptcy is relatively inexpensive compared to how much you would end up paying over the next few years trying to repay your creditors. Plus, your creditors will often continue charging you excessive interest rates on your balances and your credit rating will continue to suffer.

On the other hand, if you only owe 1-2 creditors (but still cannot afford to pay them off entirely), our attorneys offer debt relief services wherein we negotiate with your creditors on your behalf to either reduce the amount you owe, or set up a repayment plan you can afford.

Can I try and negotiate with my creditors on my own?

While you can certainly attempt to negotiate with your creditors directly, the creditors are more likely to negotiate with a bankruptcy attorney fearing that if they refuse to negotiate, we'll simply file a bankruptcy case for you and wipe out their debt entirely!

You may have various debt relief options available to you. The credit counseling industry does not always present a "magic" solution to debt. Consider this when making your decision, as well as the negotiation methods and debt relief options with lenders and creditors. This requires their full cooperation, which sometimes they are not willing to give. When handled, instead, by a serious bankruptcy attorney, there is a far greater chance for success. We put to work our well-honed skills in trial litigation, effective negotiation abilities, and invaluable courtroom experience.

Our attorneys have first-hand knowledge of how the policies and procedures of lenders work. Contact the Saffa Law Firm to arrange your free case evaluation with our experienced Charlotte bankruptcy lawyers.

Decide Which is Right For You: Debt Relief or Bankruptcy

When you are experiencing delays in being able to make monthly payments on your bills or are in default of your loans, expect contact from collection agents by phone and by mail. Oftentimes, these agencies may threaten you with lawsuits in writing. Doing nothing about this situation is not recommended. Taking no action on your behalf will only lengthen the time you have to feel the stress and anxiety of such a situation, which can negatively impact your health and your family. Neglecting to give urgent attention to your financial matters can lead to collections, repossessions, garnishment of wages, and foreclosure, and our firm can help you avoid this.

Let the skilled attorneys at our firm assist you with your financial troubles, contact the Saffa Law Firm for the skilled representation you need!

We serve clients throughout the City of Charlotte, Town of Cornelius, Town of Davidson, Town of Huntersville, Town of Matthews, Town of Mint Hill, Town of Pineville, Town of Stallings, Buford, Charlotte, Goose Creek, Hembry Bridge, Indian Trail, JAARS, Jackson, Lake Park, Lanes Creek, Marshville, Marvin, Matthews, Mineral Springs, Mint Hill, Monroe, New Salem, Sandy Ridge, Stallings, Unionville, Vance, Waxhaw, Weddington, Wesley Chapel, Wingate, Concord, Harrisburg, Kannapolis, Midland, and Mt. Pleasant.

Turn to Saffa Law Firm for Advice

Request a Free Consultation to Discuss Your Case With an Attorney
  1. Our office is open 7 days per week
  2. Clients have 24 hours/day access to their attorney
  3. Personalized results-driven strategies tailored to fit your needs
  4. Compassionate advocacy that is aggressive when necessary
  5. Over 25 years of legal experience
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Helping Clients Across Charlotte

See How Saffa Law Firm Has Guided Clients Through Their Legal Matters
  • “I was never once left second-guessing my decision to have them represent me.”


  • “I was unemployed suddenly with a huge amount of credit card debt. Within a couple of months I was debt free!”


  • “Diana is so down to earth and does an excellent job. My bankruptcy was smooth and easy.”


  • “I highly recommend this firm for all your legal issues.”

    Olivier M.

  • “The kindness and attention I received from Diana is unmatched from any other legal experience I have ever had.”


  • “My husband and I didn't know where to turn”

    Porcha Petteway

  • “Diana is the BEST there is!!!”

    Kelley Sheehan

  • “A+ recommendation.”


  • “They helped me keep my residence, automobile, and work with my creditors as I worked to pay them.”

    Arnold S.

  • “Diana Saffa is an incredibly intelligent, clever, and hard-working attorney. She won't take "no" for an answer and she gets results.”


  • “I can't explain how satisfied I am with the service I was provided! Diana is such an intelligent force!”


  • “They are bankruptcy experts”

    Tanner S.

  • “They are responsible, professional and most important, they get the job done right.”

    Francine K.

  • “She was incredibly well organized and I felt very secure in knowing I was in good hands.”


  • “With Diana's knowledge and friendly attitude, she eased my fears and unrest.”