Helping Fullerton, Brea, La Habra & Surrounding Areas Break Free from Debt
When creditors are hounding you and the debt keeps growing, it can feel like there’s no end in sight. But in many cases, there’s room to negotiate—and that’s where we come in. At Law Office of Andrew S. Cho, we work directly with creditors on your behalf to reduce your total debt and help you reach a fair settlement you can actually manage.
Attorney Andrew S. Cho, a Korean-American attorney with over 27 years of experience, has helped thousands of clients in Anaheim and surrounding areas resolve debt without going through bankruptcy. Whether you're behind on payments or just barely staying afloat, we’re here to step in, talk to your creditors, and help you get back on track—without shame and without pressure.
Call (714) 384-7633 or complete our online form to schedule a free consultation with an Anaheim debt settlement attorney who knows how to fight for real results.
What Debts Can Be Settled?
Debt settlement is a legal strategy where we negotiate directly with your creditors to reduce the total amount you owe. Instead of continuing with high monthly payments or letting interest pile up, we work to reach a lump-sum or reduced payment agreement that brings the account to a close—often at a fraction of the original balance.
Common types of debts eligible for settlement include:
Credit card debt
Medical bills
Unsecured personal loans
Private student loans
Certain utility bills
If you’re struggling with one or more of these debts, debt settlement may be the solution you’ve been looking for. Once we understand the nature of your debt and your financial goals, we take over communication with creditors and begin negotiating. Having an experienced attorney handle this step not only improves your chances of a better outcome—it also helps relieve you of the stress of constant collection calls and letters.
“If you're in need of legal representation, look no further than Andrew Cho.”
Anonymous
“Truly Cares”
“He is not only the best lawyer but also very generous and kind, he made me feel like he was my older brother.”
Kevin C.
“Thank You”
“I'm truly grateful for successfully handling my difficult case.”
Ken
“Knowledge and Professionalism”
“I was very impressed and helped by the lawyer and the office manager's knowledge and professionalism in the related field.”
Caroline P.
“Highly Recommend”
“We would like to thank the attorney and office manager Eunice Peak for their kind and attentive assistance.”
Eric
“Highly Recommend”
“I worked with Andrew and Eunice for my bankruptcy case, and they went above and beyond in securing my assets, helping me understand all of my options, and clearly outlining what to expect.”
Angela S.
“Helped Our Family”
“Helped our family through difficult times, grateful for their service.”
Sean W.
“Kindness, Honesty, and Competency”
“With my legal matter now resolved, I will always be thankful for Andrew and Eunice's guidance, professionalism, competence and empathy.”
Debt settlement isn’t right for everyone, but it’s a smart alternative when bankruptcy isn’t ideal—or when you want to avoid the long-term impact of a court filing.
Have already tried budgeting or consolidation without success
Every case is different, and we’ll help you weigh the pros and cons based on your personal situation. With the right approach, settlement can bring relief and help you rebuild your financial life with far less baggage.
How Law Office of Andrew S. Cho Helps with Debt Settlement
Trying to negotiate debt on your own can feel like going up against a wall. Creditors use legal pressure, confusing terms, and aggressive tactics to wear people down. That’s why having a steady, experienced advocate on your side makes all the difference.
Here’s what you gain when you work with us:
Proven experience – With over 27 years of legal practice and more than 10,000 cases handled, we have the skills and insight needed for effective negotiations.
Bilingual services – Attorney Andrew S. Cho speaks Korean, ensuring clear communication and support for the Korean-American community.
Judgment-free support – We prioritize making every client feel comfortable sharing their concerns and goals in a supportive and respectful environment.
Accessible options – From flexible payment plans to virtual consultations, we strive to make legal help easy and stress-free for our clients.
By working with Law Office of Andrew S. Cho, you won’t just get experienced legal representation. You’ll gain a team dedicated to helping you find tailored solutions that bring real relief.
Call (714) 384-7633 or contact us onlinetoday to schedule your free consultation with a debt settlement attorney in Anaheim or wherever you're located in the Inland Empire.
