Fitzgerald & Campbell, A Professional Law Corporation

What Fitzgerald & Campbell, A Professional Law Corporation does

Fitzgerald & Campbell, A Professional Law Corporation (Fitzgerald & Campbell, APLC) is a Santa Ana, California-based consumer and small business debt-relief law firm founded in 1992 by Gregory M. Fitzgerald. The firm focuses exclusively on debt-related legal services for individuals and small businesses, including debt settlement negotiations (typically achieving 20-50% reductions on outstanding balances), collection lawsuit defense, judgment contests and lien removal, Chapter 7 and Chapter 13 bankruptcy filings, wage garnishment defense, and protection against creditor harassment under the FDCPA and California Rosenthal Act. Practice verticals span credit card, medical, student loan, payday, auto deficiency, and commercial debt.

The firm operates with a "No Settlement, No Fee" outcome-based pricing model: flat fees are calculated against the debt amount at intake, with a 50% reduction if a collection lawsuit is settled before an Answer is filed, and all-expenses-inclusive flat fees for cases already in litigation. There is no proprietary technology product; the firm delivers services through direct attorney representation supported by digital intake (Lawmatics), an online debt calculator, SEO-driven content marketing (blog and video), and location-specific pages for at least nine California markets.

The firm has no outside capital, no parent company, and no disclosed subsidiaries. It is privately held by founding partners, with William J. Campbell Jr. as the second named partner. The firm is actively operating, claiming $300M+ in cumulative client debt eliminated, and has been a Law Firm 500 Honoree (top 100 fastest-growing US law firms) every year from 2017 through 2021.

Name

Fitzgerald & Campbell, A Professional Law Corporation

Legal name

Fitzgerald & Campbell, A Professional Law Corporation

Website

https://debtorprotectors.com

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

11–50 employees

Short description

Fitzgerald & Campbell is a Santa Ana, California consumer and small business debt-relief law firm offering debt settlement, collection lawsuit defense, judgment contests, bankruptcy, and wage garnishment defense under a "No Settlement, No Fee" model, serving clients across California since 1992.

Ownership category

akta.pro rank

Product category

Consumer Debt Relief Legal Services

NAICS

Legal Services (5411)

SIC

Services-Legal Services (8111)

akta.pro primary industry

Debt Settlement & Negotiation Services (FSAEAFAC)

akta.pro secondary industries

Collections & Creditor Negotiation Support (Debtor-Side) (FSAEAFAI), Debt Settlement / Negotiation Programs (Non-loan) (FSAKAIAK)

Keywords

• Debt settlement services
• Consumer debt relief
• Collection lawsuit defense
• Bankruptcy legal services
• Debtor protection law

Headquarters

HQ city

Santa Ana

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, Others

Revenue model

1. Legal Services - Debt Settlement: Professional legal services for debt settlement. The firm uses a 'No Settlement, No Fee' model where fees are only charged after a successful settlement is reached. Fees are calculated as a flat amount based on the debt amount at the time of hire. For lawsuit cases, fees are flat, fixed, and include all expenses. If a settlement is reached prior to filing an Answer in court, the fee is cut in half.
2. Collection Lawsuit Defense: Legal representation in collection lawsuits with flat, fixed fees that include all expenses and court filing fees, even trial costs.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Fitzgerald & Campbell, APLC is a California-based consumer and small business debt relief law firm that provides legal representation for negotiating and settling debts, defending against collection lawsuits, contesting judgments, stopping wage garnishment, and filing bankruptcy (Chapter 7 and Chapter 13). The firm focuses exclusively on debt-related legal services covering credit card debt, student loans, medical debt, business/commercial debt, payday loans, and auto-related debt. The firm uses a 'No Settlement, No Fee' contingency-style pricing model where clients only pay if a successful settlement is reached.

Product overview

Fitzgerald & Campbell, APLC is a consumer and commercial debt relief law firm offering a comprehensive suite of legal services centered on debt settlement, debtor protection, and bankruptcy alternatives. The firm provides integrated services including debt settlement negotiations (achieving 20-50% reductions), collection lawsuit defense, judgment contests, bankruptcy filings (Chapter 7 and Chapter 13), and wage garnishment defense. Services cover specific debt types including credit card debt, business/commercial debt, medical debt, student loan debt, auto-related debt, and payday loans. The firm serves clients across California with practice areas in Santa Ana, Irvine, Anaheim, Long Beach, Los Angeles, San Diego, and Orange County communities.

Differentiator

Problem solved

Functional benefit

Products and services

• Debt Settlement Services Legal representation for negotiating and settling consumer and business debts with creditors, typically achieving settlements of 20-50% of original debt amounts. Targets individuals and small businesses in California struggling with overwhelming debt.
• Debtor Protection Comprehensive legal protection services for individuals and businesses facing creditor actions, harassment, and debt collection, including cease communication demands and damage claims under FDCPA and California Rosenthal Fair Debt Collection Practices Act.
• Collection Lawsuit Defense & Settlement Legal defense representation for consumers and businesses sued by debt collectors, including answering complaints, contesting judgments, and negotiating settlements in court proceedings.
• Judgment Contests, Settlement & Liens Legal services to contest, vacate, or settle court judgments and remove associated liens on real property.
• Bankruptcy Services Chapter 7 and Chapter 13 bankruptcy filing assistance and representation, including automatic stay enforcement and asset protection.
• Wage Garnishment Defense Legal representation to stop, contest, or reduce wage garnishment orders and protect client income.
• Commercial Debt Settlement Legal representation for commercial entities and small business owners dealing with business debts, vendor invoices, equipment financing, business loans, creditor claims, and related litigation.
• Credit Card Debt Settlement Specialized legal services for negotiating credit card debt settlements with banks, collection agencies, and debt buyers.
• Student Loan Debt Services Legal assistance for private and federal student loan issues, including settlement negotiations and defense against student loan collectors.
• Medical Debt Settlement Legal services for negotiating and settling medical debt with healthcare providers and collection agencies.
• Business Debt Settlement Legal representation for businesses facing commercial debt, including vendor invoices, equipment financing, and business loans.
• Auto-Related Debt Services Legal services for auto loan deficiency claims, repossession defense, and related debt issues.
• Payday/Cash Advance Debt Settlement Legal representation for settling payday loans and cash advance debts.
• Debt Collection Harassment Defense Legal representation to stop creditor harassment under FDCPA and California Rosenthal Fair Debt Collection Practices Act, including cease communication demands and damage claims.

Quantifiable outcome

• $300 Million+ of debt eliminated for clients
• +1 more outcomes

Named customers12 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Accredited Debt Relief: National debt settlement company accredited by the AFCC. Comparable in core service (consumer debt negotiation), target customer (indebted consumers), and digital inbound acquisition model.
• Pacific Debt Inc. San Diego-based debt settlement company focused on California and western U.S. consumers. Closely comparable in geography, customer base (distressed California consumers), and core settlement service, though it is a non-lawyer settlement firm.
• National Debt Relief: Major national debt settlement firm targeting consumers with $7,500+ in unsecured debt. Directly comparable in service line (debt settlement/negotiation), customer segment (highly indebted consumers), and digital-led acquisition motion.
• Freedom Debt Relief: Largest U.S. non-lawyer debt settlement company, directly comparable in core offering (negotiating consumer debt down) and target customer (distressed U.S. consumers with unsecured debt). Differs in being a non-lawyer settlement firm rather than a law firm, but competes for the same inbound demand.
• CuraDebt: Debt settlement and tax debt relief firm serving consumers and small businesses nationwide. Comparable in offering mix (debt settlement + tax relief), customer segments (individuals and SMBs), and digital acquisition.

Broad incumbents

• GreenPath Financial Wellness: National nonprofit credit counseling and debt management provider. Serves the same distressed consumer segment as Fitzgerald & Campbell but via DMPs, counseling, and education rather than legal representation and settlement negotiation.
• Money Management International (MMI): Large, established nonprofit credit counseling and debt management agency. Adjacent competitor in consumer debt relief, with overlapping customer base but a counseling/DMP-oriented model rather than legal-led settlement.

Emerging players

• SoloSuit: Tech-enabled consumer lawsuit defense and debt settlement platform. Overlaps with Fitzgerald & Campbell's collection lawsuit defense and debt settlement offerings, but delivers through a software-driven self-serve and attorney network model rather than a traditional law firm.
• Upsolve: Nonprofit platform for Chapter 7 bankruptcy filing assistance. Directly competes with Fitzgerald & Campbell's bankruptcy service line for cost-sensitive consumer clients, though Upsolve's free model targets a different pricing tier.

Regional players

• Lawyers for Consumer Rights / Consumer Protection Law Firms (e.g., Stoppard & Associates, CA Consumer Attorneys): Regional California consumer protection and debt defense law firms. Comparable legal service offering and customer base, but each operates in different California metros, providing both direct local competition and potential referral-network relationships.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/DebtorProtect

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 Fitzgerald & Campbell, A Professional Law Corporation