Debt Consolidation and Negotiation

What Are Debt Settlement and Debt Consolidation?

You have probably seen radio or television ads for debt settlement, debt consolidation or bankruptcy alternatives. On the surface, they may seem too good to be true, offering to reduce your credit card or other debt to pennies on the dollar without filing bankruptcy. In most cases, the offers are too good to be true.

At Kaniuk Law Office, we offer a free initial consultation to explore your debt relief options.

How Debt Consolidation and Debt Settlement Work

Debt settlement, also known as debt negotiation, is a process of asking your credit card company to accept less than what you owe. Debt consolidation loans attempt to consolidate all your debts into a single payment that presumably would be less than you were paying before. However, neither approach offers any guarantees. For example:

Working with Kaniuk Law Office will ensure you are making an educated decision when it comes to debt settlement and debt negotiation vs. filing bankruptcy.

For some, Chapter 7 or Chapter 13 bankruptcy is a better option:

Debt Consolidation and Negotiation


Ron Kaniuk is the Founder and Managing Partner of Kaniuk Law Office, P.A.

For more than 25 years, he has and continues to represent individual and business clients throughout the State of Florida.

Ron is an “old school” general practitioner who keeps up with practice innovations and technological advancements and focuses his practice on representing individuals and small business owners.

For his individual clients, Ron uses the legal system to solve a wide range of financial problems. He helps these clients with debt management, debt negotiation, small claims debt litigation, foreclosure defense, and Chapter 7 and Chapter 13 bankruptcies. He also co-counsels matters with other attorneys in the areas of real estate, personal injury, immigration, and estate planning and probate.


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Contact us to schedule your free, no obligation strategy session with one of our experienced attorneys.

During your confidential session, we will discuss your unique situation, answer all your questions, and develop a custom or tailored plan of action.

If we can help, we will present you with some options. Regardless of whether you retain Kaniuk Law or not, you will know where you stand and have a plan to deal with your situation.

Click here to schedule your free, no obligation strategy session.


1615 S. Congress Avenue, Suite 103,
Delray Beach, FL 33445


Phone: +561.292.2127


Monday-Friday: 9:00 AM – 5:00 PM *On-call via phone/email when you need help!