What McCarthy Law PLC does

McCarthy Law PLC is a privately held Arizona professional law corporation founded in 2010 and headquartered at 9200 E Pima Center Pkwy, Scottsdale. The firm specializes in consumer debt-related legal services, with debt settlement representation as its core offering: licensed attorneys negotiate with creditors to reduce unsecured balances, with typical settlements landing at 55-60 cents on the dollar on workout programs costing roughly $21,000 over 6 months to 4 years. Surrounding the core settlement practice, the firm layers credit report error resolution under the Fair Credit Reporting Act, student loan debt settlement, creditor lawsuit defense (a $500 plus filing-cost representation product), debt consolidation consultation, mortgage and divorce-related debt advice, and bankruptcy referrals. There is no proprietary technology platform; service delivery runs through attorney and paralegal staff handling creditor communications, negotiations, and litigation directly.

The firm operates a direct-to-consumer go-to-market targeting individuals overwhelmed by unsecured debt (credit cards, medical bills, personal loans) and those facing creditor lawsuits or harassment. The acquisition stack combines SEO-driven educational content (blog posts dated through May 2026, an active YouTube library), social presence on Facebook/X/LinkedIn, and high-intent intake paths including a multi-step web form, a toll-free line, dedicated current-client and creditor numbers, and SMS. Distribution is exclusively direct; there are no resellers, partners, or franchise channels. Geographic reach is anchored in Arizona, Texas, and Florida with a stated nationwide service intent delivered remotely.

Revenue mechanics are a flat-fee professional services model quoted as a percentage of enrolled debt, plus litigation defense fees and modest consultation revenue. Headcount sits in the 11-50 band per the firmographics block, consistent with a small but multi-attorney consumer practice. The firm discloses no funding, ownership structure, parent entity, or financial figures; "Kevin" (Kevin Fallon McCarthy) is the visible lead attorney and brand voice. Competitive positioning centers on attorney status itself: as a law firm, not a non-attorney debt settlement company, McCarthy Law can litigate, which the firm cites as leverage in creditor negotiations.

Name

McCarthy Law PLC

Legal name

McCarthy Law PLC

Website

https://mccarthylawyer.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

McCarthy Law PLC is a Scottsdale, Arizona consumer law firm that negotiates unsecured debt settlements and litigates credit report errors and creditor lawsuits for individual consumers, primarily in Arizona, Texas, and Florida, on a flat-fee per-case basis.

Ownership category

akta.pro rank

Product category

Consumer debt legal services

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Collections & Creditor Negotiation Support (Debtor-Side) (FSAEAFAI)

akta.pro secondary industries

Debt Settlement / Negotiation Programs (Non-loan) (FSAKAIAK), Legal Collections & Litigation Support (Judgments, Garnishments) (FSAKAJAD)

Keywords

• Debt settlement services
• Consumer debt law
• Credit report errors
• Creditor lawsuit defense
• Student loan settlement

Headquarters

HQ city

Scottsdale

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Debt Settlement Legal Services: The firm charges a flat fee calculated as a percentage of the client's debt amount. Fees are quoted upfront based on the amount of debt owed. The firm also charges $500 plus filing costs for lawsuit representation if a client is sued. The firm does not offer bankruptcy services but can recommend bankruptcy lawyers.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels6 records

Core offering

McCarthy Law PLC is a consumer law firm that represents individuals in negotiating settlements of unsecured debts (typically settling at 30-85% of the outstanding balance, commonly 55-60 cents on the dollar). Its attorneys also defend clients in creditor lawsuits, dispute credit reporting errors under the FCRA, and provide legal consultation on debt consolidation and bankruptcy alternatives, charging flat fees quoted as a percentage of the debt owed.

Product overview

McCarthy Law PLC is a law firm offering legal services for consumer debt relief, not a software platform. The firm's core service is debt settlement representation where licensed attorneys negotiate with creditors to reduce unsecured debts for clients. The product portfolio centers on Debt Settlement Services as the primary offering, complemented by Credit Report Error Resolution (disputing FCRA violations), Student Loan Debt Services, and Creditor Lawsuit Defense. The firm also provides Debt Consolidation Legal Consultation as a supplementary service and Free Case Evaluation as the initial customer touchpoint. The firm does not offer bankruptcy services but can refer clients to bankruptcy attorneys when appropriate. Services are available in Arizona, Texas, and Florida, with the firm emphasizing its ability to represent clients in court as a key differentiator over non-attorney debt settlement companies.

Differentiator

Problem solved

Functional benefit

Products and services

• Debt Settlement Services Attorney-led legal representation that negotiates with creditors to settle unsecured debts for less than the amount owed, typically between 30% and 85% of outstanding debt (commonly 55-60 cents on the dollar), for individual consumers overwhelmed by unsecured debt.
• Credit Card Debt Attorney Services Legal representation specifically for credit card debt, including settlement negotiations, lawsuit defense, and exploration of alternatives such as bankruptcy or consolidation for individual consumers.
• Credit Report Error Resolution Legal services to identify and dispute credit reporting errors with credit reporting agencies under the Fair Credit Reporting Act (FCRA) for individual consumers facing inaccurate credit reporting.
• Student Loan Debt Services Legal assistance for student loan debt including settlement negotiations with private student loan lenders, consolidation guidance, and defense against collections for individual borrowers.
• Creditor Lawsuit Defense Legal representation when a consumer is sued by creditors or debt collectors, including filing answers to complaints and defending the client in court.
• Debt Consolidation Legal Consultation Legal advice and evaluation of debt consolidation options as an alternative to debt settlement, provided to individual consumers as a supplementary offering.
• Bankruptcy Consultation and Referral Evaluation of bankruptcy as an option with referral to bankruptcy attorneys when appropriate; McCarthy Law does not file bankruptcy itself but recommends partner lawyers.
• Free Case Evaluation Free debt consultation and evaluation intake (phone or web form) to assess client situations and determine eligibility for the firm's paid debt settlement services.

Quantifiable outcome

• Settlements typically achieved at 55-60 cents on the dollar
• +2 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• National Debt Relief: Large D2C debt settlement company serving consumers with unsecured debt across the U.S. Comparable on product (debt settlement), customer (distressed consumers), and D2C marketing approach; differs in being a non-attorney model.
• Pacific Debt: Consumer debt settlement firm negotiating unsecured debts for clients nationwide. Comparable service offering and customer segment to McCarthy Law; operates as a non-law-firm settlement provider.
• CuraDebt: Debt settlement and debt consolidation services targeting consumers and small businesses with unsecured debt. Comparable on service mix and target customer, with similar flat-fee economics on settlement cases.
• ClearOne Advantage: Consumer debt settlement firm offering negotiation of unsecured debts with a similar D2C intake and percentage-based fee structure. Comparable on customer segment, product, and pricing model.
• Freedom Debt Relief: One of the largest U.S. consumer debt settlement companies, offering negotiation of unsecured debts on a D2C basis. Most directly comparable to McCarthy Law on target customer, core service (settlement), and acquisition channels, though it operates as a non-law firm model.
• Accredred Debt Relief: Debt settlement company providing negotiation services for unsecured consumer debt. Directly comparable in service type and D2C motion to distressed consumer borrowers.
• Centric Law Group: Consumer protection and debt-related law firm offering debt settlement and related services. Comparable as an attorney-driven alternative to non-law-firm settlement companies targeting similar distressed consumers.
• Larson Law Firm: Arizona-based debt settlement and consumer protection law firm. Highly comparable as a fellow attorney-led debt settlement practice competing in the same Southwest geography with similar services.

Broad incumbents

• JG Wentworth: Diversified consumer financial services company known for structured settlements and debt purchasing. Comparable in serving consumers with distressed debt, though it operates a broader portfolio than McCarthy Law's settlement focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/kwhardin
• YouTubeyoutube.com/channel/UC6bkAgT0fWxoSPloYiAf6bg
• Facebookfacebook.com/hardanswersfromhardin
• LinkedInlinkedin.com/company/mccarthy-law-plc

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about McCarthy Law PLC