At a Glance
Rating Breakdown
Performance Overview
Scores out of 5, based on our editorial analysis
About Wink Law Firm
Wink Law Firm is a Denver-based legal practice founded in 2009 that specializes in debt resolution for both businesses and individuals. Unlike traditional debt settlement companies that employ non-attorney negotiators, Wink operates as a licensed law firm — which changes the dynamic at the creditor\'s end of the phone call. When a creditor receives a settlement offer on law firm letterhead from a licensed attorney, the calculus shifts. They know litigation is a realistic next step, not a bluff. The firm handles a wide range of debt types including business loans, merchant cash advances, lines of credit, credit card debt, medical bills, and personal loans. Their attorney-led model means clients get actual legal representation, not just negotiation services. If a creditor files a lawsuit against a Wink client, the firm can represent them directly in court without referring them out to a partner attorney — a significant advantage over non-attorney settlement companies that have to scramble for legal counsel when things escalate. Wink\'s fee structure runs 15-25% of enrolled debt, which is standard for the industry. What isn\'t standard is the legal protection baked into the service. The firm has resolved over $150 million in combined business and personal debt since 2009. They serve clients in most states and maintain an A rating with the BBB. Their team includes both debt negotiation specialists and litigation attorneys, giving them the ability to switch from negotiation to courtroom defense without losing continuity on a client\'s case.
Key Features
Attorney-Led Negotiations
Every settlement offer goes out from a licensed attorney. Creditors treat law firm communications differently than letters from settlement companies — it changes the leverage equation.
Business and Personal Debt
Handles both business obligations like MCAs, business loans, and lines of credit alongside personal debts like credit cards and medical bills. One firm for everything.
In-House Litigation Defense
If a creditor sues you, Wink's litigation team can defend you directly. No outside referral, no retelling your story to a stranger, no separate retainer.
No Upfront Fees
Performance-based fee structure — you pay nothing until a debt is successfully settled. Fully compliant with FTC rules on debt settlement fee collection.
How It Works
Free Legal Consultation
An attorney reviews your full debt picture — business and personal — and explains your legal options including settlement, negotiation, and litigation defense.
Case Strategy
Your attorney builds a resolution strategy based on creditor behavior patterns, statute of limitations, and your financial capacity.
Monthly Deposits
You deposit into an FDIC-insured escrow account. The firm monitors your accounts and adjusts strategy as creditors respond.
Attorney Negotiations
Licensed attorneys negotiate directly with creditors. Settlement offers carry the weight of a law firm, which typically produces better results.
Resolution
Debts are settled one by one. If any creditor escalates to litigation, your attorney is already prepared to defend.
What They Do
- Business Debt Settlement
- Personal Debt Settlement
- MCA Negotiation
- Creditor Lawsuit Defense
- Debt Negotiation
- Legal Consultation
Debt Types They Take On
- Business Loans
- Merchant Cash Advances
- Lines of Credit
- Credit Cards
- Medical Bills
- Personal Loans
- Collections
Fee & Cost Structure
Regulatory & Trust
Review Summary
Notable Case Studies
Restaurant Owner with MCA and Credit Card Debt
A restaurant owner enrolled \$87,000 in combined debt — \$52,000 across two merchant cash advances and \$35,000 in personal credit cards used to float the business. One MCA funder had filed a UCC lien. Wink's attorneys negotiated the MCAs down while simultaneously defending against the lien, settling both MCA balances for \$22,100 within 8 months.
Contractor Facing Creditor Lawsuit
An independent contractor enrolled \$63,000 in business and personal debt. At month 3, a creditor filed suit for a \$19,000 balance. Wink's litigation team filed a response and negotiated a settlement for \$7,600 — all handled in-house without additional legal fees. The lawsuit defense actually accelerated the creditor's willingness to settle.
Pros & Cons
Pros
- Attorney-led negotiations carry more weight with creditors — law firm letterhead and the implicit threat of litigation produce better settlement percentages than non-attorney negotiators
- In-house litigation defense means no scrambling for outside counsel if a creditor sues, which saves thousands in separate attorney fees and keeps your case strategy unified
- Handles both business and personal debt under one roof — business owners with personally-guaranteed business debt and personal credit card debt don't need two separate companies
- Founded in 2009 with over 15 years of track record in debt law — not a startup learning on your dime
- Low CFPB complaint volume relative to debt resolved — 22 complaints over 3 years for a firm handling nine figures in debt is strong
Cons
- \$10,000 minimum debt requirement is higher than some non-attorney settlement companies that accept \$7,500 or even \$5,000
- Being a law firm means higher fee percentages on the upper end (up to 25%) compared to some volume-driven settlement companies that offer 15-18% for larger balances
- Denver-based firm may have limited in-person availability for clients outside Colorado — most communication is remote, which some clients dislike for legal matters
- Smaller team compared to national settlement companies means potentially longer wait times for callbacks during high-volume periods
User Reviews (15)
good results but slow to respond sometimes
Settled $52k in business debt for about $24k which is excellent. But getting my attorney on the phone sometimes took 2-3 days. I get that they're busy but when a creditor is threatening you, 3 days feels like forever. Results: A+. Communication: B-.
minimum is too high for small debts
$10k minimum means my buddy with $8k in business credit card debt couldn't use them. He needed help just as much as I did. Some other companies take $7,500 or less. Wink did great work for me but that minimum shuts out people who need it.
actual attorneys make a difference
Had two MCA funders breathing down my neck. Non-attorney settlement company I tried first couldn't get either one to budge. Wink sent demand letters on law firm letterhead and both funders called back within 10 days. Settled the first MCA at 41 cents on the dollar. The attorney difference is real.
they defended me in court AND settled
Creditor sued me for $19k while I was in the program. Wink filed a response the same week. No extra fees. No scrambling. My attorney already knew every detail. Settled in mediation for $7,600. If I'd been with a regular settlement company I would've had to hire a separate lawyer.
fees are fair for attorney-led
Paid 22% which is higher than some non-attorney companies. But I also got actual legal representation, in-house litigation defense, and better settlement percentages. When you do the math on net savings after fees, Wink came out ahead of the cheaper non-attorney option I was comparing.
business AND personal handled together
Had $45k in business line of credit debt that I personally guaranteed plus $28k in personal credit cards I used to keep the business afloat. One firm handles everything. One strategy. One monthly payment. Cannot overstate how much simpler this is than dealing with two companies.
graduated last month
Enrolled $71k in August 2023. Graduated September 2025. Every debt settled. Total out of pocket including fees was about $39k. Saved over $30k. The first 6 months were rough because creditors were still calling but once settlements started rolling in I knew it was working.
saved our bakery
Two business credit cards and a line of credit totaling $38k were drowning us. Wink settled everything for about $18k over 20 months. The monthly payments were manageable. Only thing is I wish they'd given me more updates without me having to ask.
MCA expertise is legit
Wink's attorneys actually understand MCA law. They identified that one of my MCAs was structured as a loan disguised as a purchase agreement. That distinction gave them legal leverage that a regular settlement company wouldn't even know to look for. Settled that one for 35%.
did my due diligence
Verified their Colorado Bar registration. Checked BBB. Read every review I could find. Called three times with questions before enrolling. They passed every test. Results matched what they projected within about 10%. Four stars only because the timeline was 4 months longer than originally estimated.
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Important Business Debt Disclaimers
- Debt settlement programs may negatively affect your credit score. When you enroll, you typically stop making payments to creditors, which results in late payments, collections, and potential charge-offs on your credit report.
- There is no guarantee that a debt settlement company can settle all of your debts or reduce them by a specific amount. Creditors are not required to negotiate or accept settlement offers.
- Debt settlement fees are typically 15%-25% of the enrolled debt amount. You should not pay fees before a debt has been successfully settled. The FTC prohibits debt settlement companies from charging upfront fees before settling at least one debt.
- Forgiven debt of $600 or more may be considered taxable income by the IRS. You may receive a Form 1099-C from creditors for canceled debt. Consult a tax professional about potential tax consequences.
- Creditors may continue collection efforts, including lawsuits, wage garnishment, and bank levies, while you are enrolled in a debt settlement program. A debt settlement company cannot guarantee protection from legal action.
- Business debt settlement involves additional complexity including personal guarantees, UCC liens, and potential impact on business credit profiles. Consult with a licensed attorney before enrolling business debts in any settlement program.
- Alternatives to debt settlement include debt consolidation loans, credit counseling through nonprofit agencies, debt management plans, and bankruptcy. Consider all options and consult with a licensed financial advisor or attorney before enrolling in any debt relief program.
- Zogby does not provide debt relief services. We are an independent comparison service. We do not negotiate with creditors on your behalf or manage debt settlement accounts.
This page is informational, not financial or legal advice. Talk to a qualified professional before making any big money decisions.
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