Compare typical Debt Relief companies vs. DiMarco Warshaw Law Firm
This tool is designed for people with more than $40,000 in total unsecured debt. Results may be less accurate below that level.
If you choose a typical Debt Relief company instead of the DiMarco Warshaw law firm, you may:
In your case, with a typical debt relief company about $25 of every $100 you pay goes to their fees and $75 goes toward your debts.
With DiMarco Warshaw, only about $10 of every $100 goes to fees and $90 goes toward actually settling your debts.
Enter your contact details below and we'll send you a personalized savings report based on the numbers you just calculated.
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Important: Because your pressure level is and you indicated legal action may already be involved, we strongly recommend speaking with an attorney before signing any debt relief program contract.
Long programs and slow savings accounts can leave you exposed to collections and lawsuits while your fees pile up.
Plans pitched at "50% settlements on all accounts" rarely play out that cleanly. Some debts settle higher or take much longer, and once company fees are added, real savings can be far less than advertised.
36–60 month programs mean creditors may keep collecting and filing lawsuits while you're still trying to build up enough in the savings account to settle.
You're often expected to fund monthly deposits, future settlements, and high company fees at the same time. For stressed households, that stack of payments can collapse the plan.
Even when settlements happen, big fees can eat such a large share of the savings that the relief feels much smaller than what was promised.
If a company earns the same fee on a weak settlement as a strong one, they have little reason to fight for the best possible outcome.
Legal representation by a licensed attorney on enrolled debts, plus comprehensive debt relief guidance.
IRS tax debt often has unique settlement and bankruptcy considerations. An attorney can review whether those options may apply in your situation.
Some debts — including business obligations, repossession balances, or large lease liabilities — can involve additional legal and negotiation considerations. An attorney can help evaluate the best strategy for resolving them.
Review your full financial picture with an attorney who can explain your options and recommend the most effective path.
We handle debt negotiation, settlement, and bankruptcy (Chapters 7, 11, 12, 13), so our advice is based on what's best for you, not on selling you into a single program.
As attorneys, we have a duty to protect your interests and push for strong terms. Our fee structure rewards results, so our incentives are tied to how much we help you save.
All numbers are rough estimates based on the information you entered and typical scenarios. Actual settlements, fees, and timelines vary by person, creditor, and state. This tool is for educational purposes only and is not legal, tax, or financial advice. No outcome is guaranteed.