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This website is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.

The Law Offices of Ryan F. Beach PLLC


Creative and Compassionate Solutions.





  • Taxable consequences of settling a debt versus discharging a debt in bankruptcy; 
  • Resolution of late fees, penalties and interest;
  • Protection of your assets; and
  • Creditor harassment.

We can help you understand the differences between debt settlement and bankruptcy.  It is important to know these differences so that you can choose the best solution to your problems.  Call our office today at 616.389.0629 to discuss debt settlement and issues such as:

​Bankruptcy versus Debt Settlement

  • Ensure that the debt settlement agreement is put into clear and enforceable written terms;
  • Obtain an agreement that legally releases you from the balance of the unpaid debt amount; and
  • Negotiate how the settlement agreement is reported on your credit report to minimize negative credit implications.

If you have overwhelming debt, bankruptcy is not your only answer.  Sometimes debt settlement, or debt negotiation, makes more financial sense.  Debt settlement is when two parties, a creditor and a debtor, agree to repayment terms and/or resolve a debt for less than what is owed. 


As debt resolution specialists, we can help you determine if debt settlement is right for you.  We will ensure that the matter is resolved efficiently and that you are protected from common problems associated with debt settlement:

Debt Settlement - An Alternative to Bankruptcy