We also represent creditors regularly and file suits in Travis County and the surrouding counties. We routinely help debtors negotiate settlements with creditors either before or after the creditor files suit. Brent Devere is also a member of the Debt Buyer's Association and has insight in how credit card companies collect debt and how the price that creditors may try to sell their claims. If you are a debtor, we can help you avoid harrassing phone calls by sending "cease and desist" letters.  Our experience representing creditors also helps us give good advise to prospective debtors who are trying to negotiate favorable settlements. If you are a debtor trying to settle a credit card or other claim, keep in mind that the IRS may consider any debt that is foregiven/settled to be ordinary income under 108 of the IRS code.  We can discuss this in more detail. We look forward to hearing from you!