(413) - 747 0700 info@gkalawfirm.com


Settlements and Workouts

Debt settlement provides debt relief by negotiating a legal agreement with creditors to reduce the amount of money that is owed on your accounts.


How Can Debt Attorney Help?

Our debt attorney services include a thorough review of your finances to determine if debt settlement is right for you (or whether filing bankruptcy is better), a step-by-step plan to achieving a favorable debt settlement with your creditors, and skilled negotiation on your behalf with your creditors to secure the best possible financial outcome for you, your family, and your business.

Is Debt Relief Right For Me?

Debt settlement isn’t a cure-all for everyone.

However, for many individuals, an intelligent debt settlement solution can help save significant sums of money and shave years off of payments, and provide peace of mind with an affordable path to a brighter financial future.


The Advantages of Debt Settlement

The main advantages of debt settlement include saving your extra income from high-interest payments, getting out of debt without filing bankruptcy, protecting your credit score, and reducing stress with a simplified debt reduction plan.

  • Keeping affordable payments
  • No need to file for bankruptcy
  • Stops creditor harassment immediately

Debt Settlement Alternatives: Chapter 7 & 13 Bankruptcy?

Determining if an out-of-court debt settlement solution is right for your requires a careful evaluation of your finances in addition to weighing other legal options such as filing Chapter 7 or Chapter 13 bankruptcy.

These could include:

  • To whom the debts are owed
  • The amount of interest you are currently paying
  • Your income, financial assets, and property
  • Your financial history (such as previous bankruptcies)
  • Your current disposable income and ability to make payments
  • Any pending home foreclosure proceedings or repossessions


over 30 years with a repuation of excellence

We have over 30 years experience helping various clients with their legal needs, with experienced and board-certified attorneys. We put our emphasis on helping our clients do what is in their best interest, and our clients’ needs always come first.


Schedule a free, no-obligation consultation with one of our experienced attorneys to review your case.


Our attorneys will help you decide what course of action is the correct decision for your particular situation.


We will be your partner and guide you through the law so you can have every advantage your entitled to.

Meet Our Attorneys

We Have a Team of Experienced, Trustworthy and Compassionate Attorneys

Jonathan R. Goldsmith


Thomas E. Argenio


Goldsmith, Katz & Argenio, P.C. is a well-established law firm in Springfield, Massachusetts dedicated to providing effective and efficient representation in a wide array of legal matters. We represent business and individual clients throughout Western Massachusetts, providing personal service and responsiveness that exceeds what is offered by larger firms.


Phone number

(413) 747-0700

(413) 737-5996

Fax number

(413) 781-3780 

(413) 747-0414




Monday-Friday: 7:00 – 5:00

Saturday: By Appointment

Sunday: By Appointment

Holidays: Closed