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Sometimes a bankruptcy filing is neither a necessary, nor desirable, means of resolving the client's financial difficulties. Azarian Law Office PLLC represents individuals and businesses in the resolution and restructuring of debt. The firm's work includes compositions, credit card and collection resolution, and workout and forbearance agreements. Attorney Azarian has 28 years of experience in assisting clients in obtaining a non-bankruptcy resolution and/or restructuring of their debts.

In many cases, the client may propose a plan of "composition" to his creditors, pursuant to which a discounted lump sum is offered to the creditor to satisfy the debt in full.  With the help of an experienced and knowledgeable attorney, the client can, in this manner, satisfy their debt for a fraction of the amount owed.  Attorney Azarian has assisted many individuals and businesses in achieving a composition of the client's debt, thereby avoiding bankruptcy or collection litigation.  

Attorney Azarian can also negotiate reduced payment agreements and discounted lump sum settlements and other non-bankruptcy  resolutions of debt.  Attorney Azarian will act of a "lightning rod" for his clients, communicating and negotiating with his clients creditors, thereby freeing them from the stress and anxiety of dealing with collection agents and creditor's attorneys.  He also has extensive experience in negotiating "workouts" for individual and business clients by which debt can be restructured and paid under terms more beneficial to the client as well as "forbearance" agreements which provide time for a client facing foreclosure or liquidation to obtain fair market value for their assets, thereby avoiding liquidation or foreclosure, and maximizing the value of the asset.