Debt Relief

At Athena Legal Group, we understand how overwhelming debt can feel — the late notices, the collection calls, the fear of falling further behind. But here’s what we want you to know: there are options. You are not stuck. And you are not alone.

Our mission is to help you understand your rights, explore your solutions, and find the most effective path forward — with clarity, compassion, and zero judgment.

Debt relief is a broad term for any strategy that helps reduce or eliminate the debt you owe — often by lowering monthly payments, negotiating balances, stopping interest, or eliminating debt entirely through legal means like bankruptcy.

Not every solution fits every situation. That’s why our team takes time to understand your unique circumstances before recommending a path forward.

Filing for Chapter 7 or Chapter 13 bankruptcy can eliminate or restructure debt, stop collection actions, and help you start fresh.

In some cases, we may help clients negotiate with creditors to settle for less than what’s owed — often when bankruptcy isn't the best fit.

If you’re facing a lawsuit from a creditor or debt collector, we can defend your rights and help stop judgments or wage garnishments.

• You’re only making minimum payments — or missing payments entirely
   
• Your debt total is growing faster than you can pay it down
   
• You’re using credit to cover basic needs like groceries or rent
   
• You’re receiving collection calls or facing legal threats
   
• Your financial stress is impacting your sleep, relationships, or health
   

If this sounds like your reality, it’s time to explore real solutions.

We’re not a debt settlement company.
We’re licensed attorneys who provide trusted legal guidance and personalized support to help you make informed decisions — not rushed ones.

• No judgment. No pressure. Just real help.
   
• Transparent advice — even if bankruptcy isn't your best option
   
• Flexible payment plans
   
• Respectful, professional service from a team that truly cares
   

You don’t have to keep carrying this alone.
Let us help you breathe again and build a new plan with confidence.

📞 Call us at 405-212-3945