S.J. Packman & Associates is a full service, diversified law firm, experienced in all areas of credit and debt negotiating and counseling. No matter what your financial hardship may be, our professionals are highly skilled in their areas of practice and will be able to help you. Whether it be one of our certified debt arbitrators, attorneys, or paralegals, when you contact S.J. Packman & Associates, someone will be there to work with you to help determine which process is best suited for your financial future. We will analyze your financial hardship and help you come up with an affordable monthly payment that will work for your budget.