Kevin F McCarthy

To say McCarthy and his team gave me hope would be an understatement. Hope was something I never thought was possible. My parents divorced right at the time I was to attend an out of state university. On paper, my mom looked “fine” (able to support me according to FAFSA) so I didn’t get much help fin...ancially even though she was putting out a lot because of the divorce, having to relocate, etc. so I didn’t qualify for much of any federal loans/ grants. And being in my late teens, early 20s, I didn’t know better than to sign my life away to get the private loan support. Flash forward after graduation, I found a job at a non-profit organization. The work was challenging but rewarding to be able to provide hope to those in need, but financially, like many other jobs out of college and non-profits, it didn’t allow me enough to keep up with the high interest rates and steady incline of my loans. Despite many efforts for financial assistance from the private loan lender, the payments began to exceed my monthly income. I exhausted my forbearance and thought to myself, “This is how my life’s going to be” That’s when I found McCarthy. From the initial contact until the very last contact, they have been eager, humble, receptive, generous, and knowledgeable. To be able to speak to a person, not an automated message or system, but every day people was a treat in itself. They took time to explain me to how I can work towards gaining financial freedom and within a few years and a payment plan (without interest accumulating) I would be able to pay off the loan in its entirety. And not the amount it exceeded to (138k) because of interest, but the amount I took out from the beginning (108K) by negotiating the amount with the private lender themselves. I was able to focus on getting my life back, working the usual course to get promotions without the burden of paying an amount I couldn’t afford. And by having extra in my pocket, it made my job enjoyable again. I was able to give the best version of myself in all aspects of my life because, for once, I didn’t have to worry about “How am I going to make the next payment” The staff were beyond welcoming and remained that light, that beacon in my life since 2015. From Kelly who greeted me with a “It’ll be ok,” from Ali who said “Let’s look at getting a payment plan set up for you” to Joan who said, “I got you and will continue to fight for you” it was something that was not only refreshing, but humbling as well for me. The zeal exhibited by all that work at McCarthy Law is unmatched. I was one of the fortunate ones to say that I am now 100% free of my private loans. 108k settled!! Joan worked real time magic in negotiating my loan amount to where I was able to receive a payment back from McCarthy of all I paid to them over the years, following settlement. They thought that was a blessing, but to me, they were my blessing. To top it all off, Kevin McCarthy reached out to me via mail congratulating me on reaching financial freedom. I just cried when I read it and it remains on my fridge as a reminder to this day. It took me a bit to write my testimony, partly because I’m still in disbelief that I’m free, but more importantly, because I wanted to take the time to write something from my heart, something they touched long ago. I have recommended a few people to McCarthy and would recommend them to anyone who feels stuck, lost, and is experiencing hopelessness as a result of student loans. And just like they did with me, I’ll pay it forward as well.

I had researched a lot of companies that help with debt relief and sadly so many of those companies make a person's situation much worse. Needless to say I was cautious going into my relationship with the McCarthy team. I am a excited to say that this firm was AMAZING! They treat you like royalty an...d get results. It can be paralyzing to have huge debt but they made it really easy for me to have a debt settlement plan that worked. Before I found Kevin McCarthy and his team I felt trapped in suffocating debt but now I can start planning to save for retirement and I feel like I have escaped from a credit card induced life sentence! Thank You Kevin McCarthy & your awesome team! You guys really care and deliver a great and much needed service!

Opening a franchised Mexican restaurant sounded like a great idea in 2005. Unfortunately, the SBA and bank agreed and allowed me to borrow a lot of money. The business never made a profit and was bleeding 100k/year. To make matters worse, my brother and dad were my business partners. I shoppe...d around for attorneys with specific SBA negotiation expertise. I'm glad I chose Kevin. Kevin took the time to understand the mess that I got my family into. He formulated an exit strategy for the business and we were able to negotiate a settlement with the bank and SBA that kept everyone out of bankruptcy (and divorce court). The process took several months and had a lot of drama along the way. Kevin stayed on top of the process, handled negotiations with all parties.