Many people in the United States have debt, but of course, some have more than others. If you feel as if you are drowning in debt and are unable to make your monthly payments, it may be time to seek help from a debt settlement attorney in Plymouth.

However, it’s important to note that not all debt settlement attorneys are created equally. If you are looking for a debt settlement attorney in Massachusetts, look no further than the team at Benner.


Debt settlement is the process of negotiating with your creditors in an effort to reduce the amount you owe. By reaching a settlement agreement, you can settle your debts with your creditors for less than what you actually owe.

For example, say you have $20,000 in credit card debt and can no longer afford to make payments. If you’ve already missed payments, it may be time to initiate the process of settling this debt. An attorney can contact the credit card company and aggressively negotiate with them on your behalf. Your attorney and the credit card company may go back and forth during negotiations until they reach a mutually agreed upon offer. If the credit card company agrees to settle for $10,000, for example, you can wipe out this $20,000 debt by paying $10,000.


There are a number of different benefits to settling your debts with your creditors. Some of these benefits include:

  • You can finally get rid of debts that have been hanging over your head.
  • You can settle your debts for less than what you owe.
  • You can avoid taking more drastic measures such as filing for Chapter 7 or Chapter 13 bankruptcy.
  • You can put an end to harassing phone calls, texts, emails, and letters from creditors.


There are pros and cons to every debt relief option, including debt settlement. Some of the drawbacks of debt settlement include:

  • Settling your debts may negatively impact your credit score.
  • You may need to pay certain fees in order to reach a settlement with your creditors.
  • If you reach a settlement with your creditors, you may need to make a large lump sum payment to clear the debt. If you are struggling financially, making this payment may be difficult.
  • Debt settlement will show up on your credit report, which can make it harder to obtain new lines of credit in the future.

It’s important to weigh these pros and cons–and talk to our attorneys–to decide if debt settlement is right for you.


Debt settlement is not right for everyone. You may be a good candidate for debt settlement if you meet one or more of the following conditions:

  • You are struggling to make payments on unsecured debts, such as medical debt, utility bills, or credit card debt.
  • You have enough money to pay additional fees associated with debt settlement and one lump sum payment to settle the debt.
  • You have suffered some type of financial hardship that has affected your ability to make payments. Creditors typically will not agree to settle your debt unless you can show proof of financial hardship.
  • You are ready and willing to put in the work in order to rebuild your credit after settling your debts.

At Benner, we understand that everyone’s financial situation is unique. If you are considering debt settlement, it’s wise to discuss your finances with our attorneys to determine if you are a good candidate for this debt relief option.


Don’t go through the process of settling your debts alone. If you are struggling to make your monthly payments, contact our debt settlement lawyers right away. Tell us more about your unique situation so we can help you reach a favorable settlement agreement with your creditors. With our help, you can put your debt behind you and wipe your financial slate clean.

You should not try to negotiate the terms of a debt settlement agreement without an attorney by your side. We know how to aggressively negotiate with creditors to reach a favorable agreement on your behalf. Let us protect your rights.

Call 774-404-8321 or submit your information using the form on this website to schedule a free consultation regarding your debt.