We understand the law and can protect your rights as we work to find a fair and appropriate solution to even the most complex financial problems.

Bankruptcy is a legal protection for consumers who are unable to meet their debt obligation. When filing bankruptcy, the debtor will petition the court to excuse the repayment of some or all of the debt.
The FDCPA outlines the laws under which debt collectors operate. Anyone who is using interstate commerce, such as the mail, to collect on a debt is considered a debt collector. Collection activities are limited by the FDCPA.
Real estate is a notoriously complex area of law. The Real Estate Settlement Procedures Act defines fair real estate practices and prohibits certain deceptive practices, including kickbacks for mortgage brokers.
Creditors have a variety of tools at their disposal when it comes to collecting debts. They can send notifications via the mail, or they can contact the consumer by phone. They can also litigate to collect on the debt.

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Option 1 Legal is a law firm. This website is an advertisement. It is not a lawyer referral service or prepaid legal services plan. Each of the lawyers on this site are either Managers, Members, Partners, Limited Partners or staff attorneys. All photos are of models and do not depict clients. An attorney responsible for the content of this Site is Phiona Gardner licensed in Maryland with offices at 10440 Little Patuxent Parkway, Ste. 300, Columbia, MD 21044.

Andrew Carroll, Esq., an attorney admitted to practice law in New Jersey, is the supervising lawyer in charge of all New Jersey matters handled by Option 1 Legal. Andrew Carroll, Esq. has offices at 285 Chestnut St., Hammonton, NJ, 08037. Phone: 609.400.1302.

If you live in Alabama, Florida, Missouri, New York or Wyoming, please click here for additional information.

By an Act of Congress and the President of the United States, Option 1 Legal, is a federally designated Debt Relief Agency. Attorneys and/or law firms promoted through this website are also federally designated Debt Relief Agencies. They help people file for relief under the U.S. Bankruptcy Code. Disclosures Required Under the U.S. Bankruptcy Code.

Option 1 Legal is a private law firm and is not affiliated with any governmental agency, quasi-governmental agency, or charitable organization.

Option 1 Legal practices under a trade name and therefore in states where required, utilizes the services of and identifies the duly licensed lawyers in those states.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.