By understanding the financial systems behind the loans, servicers, and debt collectors, I am better able to provide individuals, families, and small business owners with a comprehensive set of strategic legal options whatever the problems they are facing. I not only want to help my clients obtain relief, but I want to affirmatively assert consumer rights to give my clients every advantage going forward so they feel empowered to achieve future financial goals.

My ten years of experience in the bankruptcy field includes strategic tools to assist consumers and small business owners in working towards their financial goals. I do not represent banks or debt collectors.

Mertens Law, LLC is committed to a focus on the vital area of student loan resolution, including strategic review and planning, default resolution, settlement negotiation, collection defense, and consumer claim prosecution. 

I also assist with:

1. Bankruptcy discharge protection;
2. Debt Settlement Negotiation;
3. Suing abusive debt collectors; and
4. Comprehensive consumer financial reorganization, including mortgage issues, burdensome vehicle loans, income tax liability, small business issues, and strategic use of the tools available under the federal bankruptcy code.

• Bankruptcy discharge protection;
• Debt Settlement Negotiation;
• Suing abusive debt collectors; and
• Comprehensive consumer financial reorganization, including mortgage issues, burdensome vehicle loans, income tax liability, small business issues, and strategic use of the tools available under the federal bankruptcy code.