Credit Counseling

Carl R. Retter, Esq. is a lawyer in the Phoenix, AZ area specializing in credit counseling services. If you are behind on credit card bills, car payments, etc., Retter can work with you and your creditors to help alleviate some or all of your debt. Retter works with clients from all over the Tempe, Mesa, Scottsdale, Chandler and Phoenix surrounding areas. We understand that good people have bad credit, need debt negotiation services or credit counseling to help get out from under debt. Attorney Retter can help you.


Retter has over 25 years’ experience credit counseling people who are in debt in the Phoenix area. Our practice knows that each person’s credit history or debt situation is different. Credit counseling involves close communication between attorney and client. Retter is personally involved in each case to make sure that all the information and facts are uncovered, allowing him to better advise his clients on their options.

Do I need credit counseling?

If you have bad credit (Below 600) and your credit score continues to suffer, credit counseling with Attorney Carl Retter may be your way out. Retter’s process for assessing client’s credit will assist you in determining the best debt negotiation services for your specific financial problems. Our process involves applying consumer protection laws to your situation to find better options before declaring bankruptcy. Retter can also negotiate with creditors to manage your debt by consolidation or settlement. He can work with creditors in these areas:

  • Medical Bills
  • Vehicle Loans
  • Student Loans
  • Credit Cards
  • Taxes
  • Lawsuits
  • Among other areas

Options for consolidation and settlement may not be possible through credit counseling for every client. If we are unable to find other debt solution options for you, we will help you file for bankruptcy, while keeping your privacy and information safe.

Carl R. Retter is a member of the National Association of Consumer Bankruptcy Attorneys.

Attorney Carl R. Retter advises clients through credit counseling and debt negotiation services in the Phoenix, AZ area. For more information about our practice, take a look at our website.