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McCarthy Law PLC started in 2010, and is headquartered in Scottsdale, Arizona. The local law firm of attorneys specializes in debt relief. Customers can also come to the company for credit card debt assistance, credit report errors, and mortgage debt help.

The company has over 90 locations across the U.S., and believes that financial matters are best discussed in person with a licensed attorney. McCarthy Law claims to defend its customers against creditors. Those who are interested can learn more about each lawyer on the company’s website.

McCarthy Law is not AFCC, or IAPDA accredited. It is unclear if the company is FTC compliant, and the website does not provide any information on fees.

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Debt Requirement







McCarthy Law PLC |


The Good

  • Legal representation
  • Customers do not have to communicate with creditors
  • Available in 31 states

Debt Settlement Process

Customers will first have their current financial situation reviewed and analyzed by a debt settlement attorney. From there, the company will quote a reasonable flat fee up-front based on the amount of debt owed. The law firm will let one’s creditors know that a debt settlement attorney will now represent their client. Lastly, a plan on how much money the customer will set aside is created. Customers do not have to talk with their creditors throughout the process, since McCarthy Law will negotiate on behalf of its clients.

Free Consultation

Free consultations are standard for the industry. Those who are interested can request a free and non-obligatory case evaluation with a debt settlement attorney. A free savings analysis is also available.

State Availability

McCarthy Law started out in 2010, and now has over 91 offices. The company has multiple offices in each state it does business in, 31 states in total (See below for specific states).

Team Of Lawyers

The company claims that its experienced lawyers can negotiate better settlements for their clients. McCarthy Law represents its clients being sued by their creditors to recover a debt; the lawyers can also still settle the debt on good terms. McCarthy lawyers require meeting with their clients face to face, to get a better understanding of with whom they’re working with.

The Bad

  • Lacking transparency
  • Not accredited
  • High minimum debt requirement

No Pricing Information

McCarthy Law’s website does not provide any pricing or cost information. It would be helpful to know what percent of the total enrolled or saved debt the company charges, especially for people exploring different debt settlement programs.

Not Accredited

The company is not IAPDA, or AFCC accredited.

States Not Serviced

While the company does have a wide range of U.S. locations, services are not available in all 50 states.

Minimum Debt Requirement

In order to qualify for the debt settlement program, customers must have at least $10,000 in unsecured debt. This is higher than the average in the industry.

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The Bottom Line

McCarthy Law PLC’s debt settlement program is a way for people to resolve debt, and stay out of bankruptcy. For people worried about getting sued by creditors, McCarthy Law is a possible option to go with since their lawyers represent their clients throughout the process. This company is different from others in the way that customers work with actual licensed debt settlement attorneys.

However, McCarthy Law is not IAPDA, or AFCC accredited. Additionally, the website does not provide information on fees, costs, or if there is a money-back guarantee. We recommend going with a more transparent and accredited company.

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