Attorney Carl Retter is dedicated to helping clients solve their problems. Carl is able to provide a unique focus on every case. There is no “middle-man” – you speak directly with him, ensuring no case details are lost in a chain of communication that often happens with many law firms. With more than 25 years of legal experience, Carl is a distinguished attorney with a proven track record of helping hundreds of clients significantly reduce their debt. When debt negotiation isn’t a real option, the Law Office of Carl R Retter is able to handle bankruptcy filings with privacy and a competitive fee. We specialize in debt settlement which is the process of negotiating for a significant reduction in your debts, helping you to settle the debts without bankruptcy. For some of our clients, this may be the most appropriate way to deal with their debt problems. In a debt settlement approach, we can defend you if you have been sued by a creditor.