San Diego (Headquarters)


Debt Relief

Serving Clients of All Backgrounds across the US.

If you are seeking to avoid bankruptcy, a solution may be debt relief. Lawyers at Pinnacle Legal, P.C., have been assisting consumers and business owners with debt for nearly two decades.

Our debt relief lawyers are prepared to help you weigh the advantages and disadvantages of various forms of debt relief. When you contact us, we will offer a thorough analysis of your situation and devise a plan to help you achieve your goals. If debt relief is a realistic remedy to your challenges, we are ready to be your guides. If debt negotiation or bankruptcy are the best alternatives, we are equally prepared. Bankruptcy will always be a last resort. We may have a wide array of solutions to offer. To explore your options, including debt relief, lawyers at Pinnacle Legal, P.C., are prepared to assist you.

We work closely with clients to solve problems, applying trial skills and a clear understanding of business objectives. We cost-effectively handle complex commercial disputes based on our depth of experience and our focused approach.

Identifying risks and avoiding litigation is central to our practice. Whenever possible, we will pursue negotiation, alternative dispute resolution and other means to attain our client’s desired end result. If such measures do not prove successful, we will be prepared to go to court to achieve legal goals.

Here's what we do to settle your debt:

Work with you to update your contact info with your creditors to Pinnacle Legal contact information

When contacted, Pinnacle Legal demands the creditor cease all collection activity

When ready, Pinnacle Legal negotiates with your creditor to settle your debt.

Pinnacle Legal conveys all settlement offers to you, securing an enforceable written agreement should you decide to settle.

Regular Updates: During each step of the plan, Pinnacle Legal consults with you about which creditors are ready to settle. We are available to answer any questions or concerns throughout the process. We provide regular updates throughout the process and ensuring your satisfaction.

Consumer Advocacy Services FAQ

Filing bankruptcy comes with many questions. Here are some of the most commonly asked questions about the bankruptcy process.
Debt Settlement (also referred to as debt negotiation, negotiated debt settlement or sometimes incorrectly called debt consolidation) means that your debt is negotiated down to a reduced amount and paid off in a lump sum. In some rare cases, multiple payments are utilized to pay off the debt, settling the account in full. Settlement is one of the most effective choices available to consumers. It’s a great choice if you have more debt than you can pay off in a 2 – 3 year time frame or are experiencing a financial hardship that has you falling behind (or just about to be) on your monthly payments. Why would creditors choose to settle debts rather than simply charge you interest and late fees over and over again? Well, it’s really a matter of dollars and good sense. Creditors know that if you get into such a bad financial position that you can’t pay your monthly payments, not to mention the amount of money consumers pay in interest and promotional fees. Therefore, they are usually very willing to settle for a lower amount, given your specific situation. One of our Debt Specialists will go through a full consultation to see if you can qualify.
Pinnacle Legal has impeccable relationships with the creditors and collection agencies. You will also receive full legal representation with an attorney in your state for your protection. As well as specializing in FDCPA (Fair Debt Collection Practices Act) violations to assist in getting you the best settlements possible.
No. You may choose which debts you would like to enroll in the program. Your debt consultant will help you decide the best plan of action based on your current financial situation.
Your funds will be held at under your control within your own account, which is an FDIC insured trust account. This account will be opened in your name with you having ultimate control over its funds. The monies collected in this account get disbursed to creditors once you have agreed as well as cover expenses associated with the settlement.

"There are so many attorneys out there offering bankruptcy services that I thought it would be a nightmare finding the right attorney. I began cold calling lawyers and after 5 or 6 calls I spoke with Vince. He put me at ease in that first phone conversation so I decided to meet with him. After our first meeting I knew I would hire him for my case. Vince and his staff took care of everything. He was very knowledgeable in bankruptcy law. I can’t thank Vince and his staff enough for their outstanding dedication they gave. I was so comfortable with the process that I referred a friend while my bankruptcy case was still under way. My friend felt the same way and retained Vince for his case. I am highly recommending this firm! Thanks again."


"My company and I became casualties of the current economic conditions. After I had exhausted all of my other options to clear out my many obligations. I realized that turning to bankruptcy was the only choice left for me. I engaged Pinnacle Legal to handle this matter on my behalf. I recognized and appreciated the professionalism and competence they had at every step of the proceedings. Their advice, counsel, and experience resulted in a relatively quick and easy resolution of my situation. Their personal attention made this entire event as worry free as is possible under the circumstances."


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