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04 Jun, 2024 by Anne winslow
I wholeheartedly recommend Attorney George MacKoul to anyone seeking a powerful, highly skilled attorney who will advocate tirelessly on their behalf. Attorney MacKoul is a brilliant gentleman whose ethical standards of legal practice are truly commendable. He clearly has an in-depth understanding of the law and has a remarkable ability to navigate complex legal issues with precision and insight. Throughout my case, Attorney MacKoul demonstrated an extraordinary ability to listen, understand, and provided thoughtful counsel. He made me feel safe on this sad and emotional rollercoaster that I had unexpectedly found myself on. I am profoundly grateful for Attorney MacKoul's expertise and unwavering support. He not only achieved a favorable outcome for my case but did so in a manner that preserved my mother’s dignity and respected her last wishes. George, thank you for your kindness and grace. You are a true beacon of ethical practice and integrity in the legal profession!
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14 Jun, 2023 by Priscilla hapeman interiors
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15 Dec, 2022 by David kaspar
The best lawyer hands down! I was searching for a lawyer for 9 months plus, and I feel like first impression, as well as your gut feeling is a big deciding factor when choosing a partner to assist you when the time is needed, I've been working with George and his staff for over a year now, even though my case is a year or more and hopefully being done, I would not have wanted anybody else in my corner! George and his staff have become friends, allies as well as inspirational, win or lose I wouldn't want anybody else on this case! Do not think twice about George and his staff! I wish there was a way to give more than five stars!
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14 Jul, 2023 by Max
David gave me good advice and thoroughly answered my questions allowing me to move forward with confidence.
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07 Dec, 2020 by Jason
My wife and I worked with David to review the legal documents of a new business venture. David was responsive, informative and a real pleasure to work with. After our initial conversation, David was able to address our biggest concerns and provide the clarification that we needed to move forward with our plans. We look forward to continuing to work with David. Jason & Allison
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29 Aug, 2020 by John
David helped me navigate aspects of a particularly aggressive and non-standard non-compete agreement in light to new Massachusetts law. He broke down the legal problems into manageable chunks and considered them on a best case and worst-case scenario. He shed light on the legal grey areas particularly where the interpretation of the law is still evolving. David stuck to the problem, was open and friendly to discussion, and answered questions with a great degree of expertise. Further discussion and follow up went beyond the call of duty. While I am on a budget and was initially hesitant to spend money on attorney, after I hired David I am better oriented to the legal situation and feel more secure.
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01 Nov, 2023 by Cassie
In the most trying time of my life, Jennifer Miguel helped me not only navigate the stress and confusing legal system but was the voice of reason during the whole ordeal. Absolutely professional and helped me win my case against my ex -husband! I couldn’t recommend her more!
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18 Apr, 2023 by Bing chen
She guided me through that very difficult time with patience and knowledge. Would highly recommend.
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23 Mar, 2023 by Melissa
If you need and want a professional, classy and sympathetic divorce lawyer then Jennifer Miguel is your girl. I had Jennifer by my side through the whole divorce proceeding. Through attentive phone calls and emails. Never once felt out of the loop. She is a gem. And I am so happy I choice her.
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30 Aug, 2019 by Howard miller
I highly recommend Alan Cohen. We were faced with large (for us) overdue accounts and after many efforts to collect we consulted with Alan. He called us back immediately; he listened to our situation and asked pertinent questions. He provided advice on how our late fees procedures should work (we were posting these correctly) and how we should proceed. The upshot was that we were able to get the client on a payment plan that resulted in payments without going to court. I cannot say enough about the great advice (on how we should approach the matter) and his advice. I would recommend Alan's and his service to anyone needing help in collecting money from a client. We did it without damaging our relationship- yet getting the money we were owed (over $ 180k). We plan on using Alan whenever the need arises. Collecting overdue accounts is painful- don't put off calling Alan and getting advice.
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26 Aug, 2019 by Anonymous
I spoke with Mr. Alan Cohen in regards to collections on an out of state judgement that I have. I have had 2 attorneys working on this case and they can not find a way to collect funds. In my consultation with Mr. Cohen I found him more knowledgably than any other attorneys I have spoke with. I wish I had worked with him from the start. He listened to what I said and then advised me. He is extremely knowledgeable in the law and how to go about things legally. I highly recommend Mr. Cohen to be your first call in legal matters. I found him to be and outstanding attorney.
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13 Aug, 2019 by Eric
My personal collection attempts over many months had no positive results. Mr. Cohen listened to my problem and wrote a strong but respectful letter to my friend via certified mail. I received my full payment within days.
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13 Apr, 2024 by Gerry mcdonald
CANT GO WRONG WITH SHAPIRO AND ASSOCI...I'VE NOW THEM FOR YEARS THE BEST DANS THE MAN
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22 Sep, 2023 by Serg
I highly recommend Shapiro & Associates; they are an outstanding group of people who are dedicated to taking care of federal employees who are injured and seek compensation and benefits. During my case, Rhea, Gina, and Sam were very sensitive and hands-on each and every time I called in for questions or concerns on my case. They followed up with me after every doctor's appointment I had to make sure the services were adequate. This group of people are great and truly cares about their work and the needs of every client. I can't say enough about these great folks. Sergio Ugazio Retired DHS ICE Agent
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18 Sep, 2023 by George morrissette
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23 Jun, 2017 by Richard
As a controller for a mid-sized company, we had sent some delinquent business accounts first to a collection agency and then to a lawyer. No luck. We then sent the accounts to Attorney Levine and received full payment on all three accounts within 3 weeks. She was amazing. Now we go directly to her and rarely a problem. Per her advice, we bring the smaller stuff to small claims court ourselves and avoid unecessary collection/legal fees. We highly recommend her.
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26 Mar, 2013 by Caroline
I highly recommend Randi. She is knowledgeable, professional and honest. Randi helped with a difficult fee dispute and resolved the matter quickly, and got results that were favorable to both parties. I have worked with many lawyers in the past and she is the best I've ever worked with.
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24 Jan, 2011 by Alan
Randi Levine is a rare find in the legal profession, a lawyer who places the client before the billable hour. For the past 10 years, I have come to rely on Ms. Levine’s expert judgment and sound legal advice, and I can honestly say, she has been an integral part of the growth of our Company. For a small business owner, one of Ms. Levine’s most admirable traits is her ability to honestly assess a situation and help steer you to a resolution, even if it means recommending a different attorney. For our Company, it was like having an in-house legal department. I have worked with many attorneys over the years, none with the intellect and ethical standards of Ms. Levine and I have, and will continue, to recommend her services to friends and colleagues.
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08 Feb, 2024 by Trish
After 3 other lawyers didn't know how or didn't want to help, Jon Whiting came through. He did all the preliminary research and worked with me to get all the facts. It finally went to court, where my title was cleared so I can now sell my house.
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22 May, 2015 by Anonymous
Attorney Whiting has been handling my over-due invoices for over a year now. He is the utmost professional with me and with my customers. He understands when to apply pressure and when it is best to use a softer approach. I recommend him to anyone who is having difficulty recovering over due bills.
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21 May, 2015 by Eirini
John is an excellent lawyer that cares deeply about his clients. He has gone beyond the call of duty to help me with both cases I have obtained him for, a car I bought that turned out to be a lemon and the immigration of my youngest son. If I need legal help again I will hire him again, I have recommended him to family and friends with no reservations. I am grateful for all his help.
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15 Jan, 2024 by Eileen
Attorney Halpern is my lawyer for Child Custody and Divorce. Attorney Halpern is amazing, and affordable. She is extremely knowledgeable and skilled. Best lawyer possible. I highly recommend her for divorce, child custody, family law. Her office number is: 978-413-9275.
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12 Jan, 2024 by Kate
Carla is kind, professional, and smart. She helped me get out of my bad marriage during the height of covid with grace and intelligence. She was absolutely a rock when they tried to pull some shady things, like stealing all my stimulus checks and trying to make me share my husbands extremely high credit card debt. The opposing lawyer started screaming during one of our Zoom meetings and Carla was absolutely cool as a cucumber. I got my stimulus money back and I did not have to take on paying back his CC debt. Carla was recommended to me by a friend and I definitely have recommended her to others! Thank you Carla!
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16 Oct, 2021 by Kym
I hired Carla Halpern to assist me with a no contest divorce. She was clear about what to expect, made the process much less petrifying than I'd thought possible, and I felt confident with her on my side. We experienced a complication when my ex moved to Asia and failed on a part of his divorce obligations. Without leverage to work with in terms of international law, Ms. Halpern deftly managed to help me get him to make good on those obligations. A lawyer who can hold somebody to account from 8,000 miles away is impressive. Never underestimate the skills required for that. Needing a lawyer is seldom fun, but if/when you do need one, you can count on Carla Halpern as an invested team member on your behalf. She's compassionate, fair, and authentic. You will feel like you've got a solid partner on your side. And you'll be right.
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03 Dec, 2014 by Anonymous
Where do I start? I left the courthouse today with so much weight taken off of my shoulders. Phil is detailed, diligent, knowledgeable and just down right amazing!
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19 Jan, 2010 by Anonymous
Attorney Taylor has represented my and my business on a number of concluded matters over the years, as well as some ongoing matters. He takes the time to make sure I am informed and understand what is going on. His advice to me has always been provided from a legal and practical point-of-view.
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11 May, 2009 by Anonymous
Phil Taylor was my legal council when a former employer sued me. Mr. Taylor handled every detail of the very tedious lawsuit and settlement in a very professional and considerate manner. I found him to be very diligent and his work was very thorough. He kept me well informed by email and phone every step of the way. He took special care to make sure that I understood all my options at all times. I felt as though I was in good hands through the entire process. Mr. Taylor made a very upsetting situation almost painless. I wouldn’t hesitate to recommend Mr. Taylor to anyone who may find himself or herself in need of a good attorney. His meticulous work and professional demeanor speak for themselves.
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13 Dec, 2023 by Joe
I recently faced a daunting array of charges, including Assault & Battery on a Family/Household Member, Assault & Battery with a Dangerous Weapon, Carrying a Firearm Without a License, and Improper Storage of a Firearm. With mandatory minimum incarceration looming, my freedom hung in the balance. Attorney Estes proved to be an invaluable ally during this challenging time. Through his skillful negotiation with the prosecutor, he orchestrated a plea arrangement that resulted in the dismissal of a majority of the charges. Remarkably, he secured a Continuance Without a Finding (CWOF) for the most serious offense, effectively avoiding the mandatory jail time that seemed inevitable. The resulting disposition was probation for one year, a far cry from the harsher alternatives I was initially facing. I cannot overemphasize the significance of having Attorney Estes as your defense lawyer when your freedom is on the line. His expertise, strategic approach, and unwavering dedication make him the advocate you want in your corner.
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19 Jan, 2022 by Erik
I needed Thomas H Estes Jr. law services to help me with a criminal case and he went above and beyond in giving me excellent service. Thomas and Stephanie are very polite, respectful and kind. They both make you feel welcome and comfortable when you have them at your side dealing with Your legal issues. Thomas and Stephanie make dealing with the court system seem like a breeze. If you ever need legal counsel and have to deal with any of the issues that Thomas specializes in I would highly recommend hiring him as your lawyer.
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09 Sep, 2019 by Stephanie
His trial strategy is impeccable. Very professional and straight forward. He seems to be very well known in the field of criminal justice. He was very kind in my situation and it was greatly appreciated. He was always on time and always addressed my concerns.
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18 Mar, 2019 by Robert rodriguez
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14 Jul, 2018 by Chester middlebrooks
I had the wrong lawyer office since they are in the same building I put you and I have been in your law office before y'all was not rude or mean I am sorry for the mix up and confusion
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12 Dec, 2023 by Anthony
Attorney Wilkie was successful in recouping a loan I had made to a publicly traded company when I was employed as its CFO/COO. It was no small feat given the company is undercapitalized with its only true asset being intellectual property. Many other attorneys with whom I consulted refused to take on the task, but Counselor Wilkie was intrigued by the prospect stating, "This is a very unique case the likes of which I haven't seen before. I want to do it." The CEO of the company schemed to shield the company's patent and software development from the judgment we eventually obtained. Attorney Wilkie then tracked the intellectual property which was fraudulently transferred through two shell corporations in different jurisdictions and perfected my lien on the corporate assets. Once my lien was perfected, the CEO still stonewalled from paying our judgment. Counselor Wilkie then drafted a motion in an effort to put the company into receivership. The CEO subsequently ignored our service and failed to appear at a status hearing. Attorney Wilkie then succeeded in arguing that the CEO had abdicated his fiduciary duty to the company by failing to appear and got the court to attach the judgment to the CEO personally. Then I finally got PAID !!! I got back all my principal along with interest and legal expenses. I've been involved in a wide range of litigation over my forty years in business. I have nearly three years of law school as part of my education. Attorney Wilkie's complaints and motions were extremely thorough, well researched and expertly drafted. At no point did the judges and magistrates challenge or doubt his arguments. My only regret is not having met Stephen Wilkie years ago.
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12 Dec, 2023 by Maria
I have worked with Stephen Wilkie for many years as my attorney for projects I needed his expertise collection abilities. He is atop notch attorney and always has followed through on any debt collection we are working on.
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10 Sep, 2013 by Anonymous
Mr. Cohen was thorough, kept us informed of all the steps involved (and even asked us if we wanted to know all the steps!), good communication. Always willing to answer our nervous questions - very patient and calm. I thought litigators were going to be vicious from the start. He was calm all the way through and just used logic and law to smash the other guy to bits. Calmly, and was very good at calling people by their honorific. Your honor, Oposing Counsil, may I suggestion you look at it thus way. Very impressive.p
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05 Nov, 2010 by Randy
Attorney Wilhelm helped me with a home purchase and caught several incorrect pieces of information that the closing attorney missed. He service was very professional, he kept me in the loop and provided me with insight that made the process go much smoother than expected.
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02 Sep, 2021 by Gail
Very public minded and aware of the issues plaguing exploited senior citizens. And determined to make the world a better place.
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27 May, 2008 by Anonymous
He always got back to me the same day I called, no matter if he was in trial or on vacation.
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03 Nov, 2015 by Rj
Three years ago, I bought a car from a shady dealer. It ended up being a lemon and costing me thousands of dollars out of pocket. Not knowing what to do, I was referred to Mandy Spaulding Law. She quickly took action. Even though we could have gone to court and got damages, I really didn't want to drag it out. She was able to completely rectify the situation and make me whole, within a few short weeks, without litigation. Fast forward to a new bind I found myself in with a former employer. Again Mandy, took action. This time, I swear my former employers head was spinning, with his attorney almost complaining about how fast Mandy is with the full force of all your legal protections. I can tell you unequivocally, that if you need Consumer Protection, Mandy Spaulding is an excellent choice.
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06 Dec, 2013 by Mahendra
Initially I didn't expect this level of excellent service from Glenn. We had a payments issues from a vendor which was handled legally by Glenn and he made a smooth settlement. We were always kept informed in time by Glenn about the progress on the above legal dispute and he never wait for us to tell him to follow up with the other party. He proactively do it on his own which i see is more needed for any client. I recommend Glenn to everyone because of his excellent service.
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08 Aug, 2012 by Anonymous
Great job collecting 100% of the funds owed to me. Was polite and informative throughout the whole process, but the only thing that mattered was that we got paid in the end!
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18 Nov, 2020 by Anonymous
I worked with Kevin for a few years in debt collections. He is a great attorney.
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24 Mar, 2017 by Anonymous
Attorney a Reiling is an excellent attorney who is extreamly proficient in a variety of areas, i.e., trust and estate issues, contracts, and land use, to name a few. An experienced and proven litigator, always coming out ahead with excellent efficient and cost effective results. I have hired him on a number of issues and highly recommend him.
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08 Jul, 2019 by David gallagher
John southland is a smart
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30 Dec, 2018 by Robert cooke
Very helpful, friendly lawyers, great assistance. This is the firm to go to for intellectual property concerns!
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12 Sep, 2016 by Thomaz domingos
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25 Jan, 2019 by L. sunny
Although I infrequently write reviews, I knew I definitely had to take the time to write this one. It was personal. A while after my Father died, my husband and I were assisting my Mother in buying a car. It was at this time that we discovered not just how financially illiterate my 70 year old truly was, but also how ill-prepared she truly was with regards to end-of-life planning. As one of my siblings is a successful CFO, my husband and I mistakenly assumed that he would be guiding our Mother through routine financial management, Living Will and Estate Planning, etc...How wrong we were! After searching for the right fit for my Mom, we luckily hired Mark Swartz. Mark had been a customer of mine actually for years, and having been in town for years myself, I had heard of Mark’s fabulous legal reputation. I also knew what a solid, professional person he was. MARK BLEW AWAY MY EXPECTATIONS AND NOT JUST PROVIDED GREAT LEGAL ASSISTANCE TO MY MOM- BUT HIS EFFICIENT, COMPASSIONATE, EMPATHETIC DILIGENCE AS MY MOM’S LAWYER MADE ALL THE DIFFERENCE! My Mom was very comfortable, even though she deals with severe ADD and anxiety, and she has always been extremely disorganized. Mark Swartz did a FORMIDIBLE job legally assisting my Mom. My brothers and sisters and I are all very grateful!
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11 Mar, 2018 by Gail williams
My husband Mark hired Mark , to review a patent pending . He found that their was an issue with the patent office that needed to be clarified before making the idea public. Mark was great and explained everything I needed to do.
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26 Aug, 2021 by Rahul sarin
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10 Jul, 2020 by Nick schiarizzi sr.
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09 Aug, 2024 by Jennifer thompson
Marques worked with me on my bankruptcy chapter 7 after my credit had been compromised by someone very close to me. He was very helpful and very knowledgeable on every step we had to take. He listened to my situation and helped me best understand my options. He was able to answer all my questions and make me feel better about the whole process. I really appreciate his help and would definitely recommend him to anyone else looking for financial guidance when it comes to bankruptcy etc. Thank you again Marques for all your help and understanding
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07 Aug, 2024 by Adam sheldon
Literally changed my life for the better. Cant thank you enough Marques
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19 Jul, 2024 by Lawrence jones
Marques was the very best in handling my bankruptcy.
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27 Aug, 2024 by Christine booth
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27 Aug, 2024 by Tim minkler
Chelsea was great. Responsive, communicative, knowledgable and instrumental in us buying our dream home. Thank you Chelsea. Highly recommend.
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26 Aug, 2024 by Kimberly mcleod
I’m can’t say enough amazing things about Chelsea. This is our second time using her and we will continue to use her for all our closings. She is very knowledgeable and knows how to complete the real estate transaction. She always gets right back to you with any questions you have in a very quick response time. I would highly recommend Chelsea and her team to anyone looking my for an attorney for their real estate needs.
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11 Jul, 2024 by Sean
I am incredibly grateful to have had Marc represent me in a highly contentious custody case that resulted in a life-changing outcome. What began as a custody case quickly evolved into a complex, multi-day trial with my ex-wife filing for permanent removal from Massachusetts and multiple states being involved. With Marc’s representation, I was awarded full physical custody and final decision-making authority in legal matters concerning my Child. Prior to Marc taking my case, I had no custodial rights over my daughter and no guaranteed visitation schedule. My case was far from an easy one as I felt like my rights as a father had been completely given up. Marc demonstrated unparalleled expertise in probate law throughout the entire process. He meticulously prepared my case, reviewed the history, and presented it compellingly in court. His knowledge of family law and probate procedures was evident in every strategy and argument presented. Marc’s intimate knowledge of the probate courts in Massachusetts and his focus on the legal facts were key to the outcome of my case. Marc’s dedication and personal investment in my case were clearly evident from the beginning. He took the time to understand the nuances of my situation, showing genuine empathy and support. Marc was readily available throughout the process and always kept me informed and answered the multitude of questions I had throughout the case. Marc’s communication was always clear and realistic throughout the process. Marc provides honest assessments of what can be hoped for in a case and appreciates the entirety of a situation. I never felt like Marc was exaggerating the prospects of a potential outcome; his immediate honesty surrounding the difficulty of my case was reassuring to hear as I understood what I was seeking for an outcome. His ability to break down the complex legal terminology into relevant ideas and the core components allowed me to better understand what was happening throughout the process. His communication was clear and reassuring, keeping me informed and involved at every stage of the proceedings. Thanks to Marc’s representation and commitment, I now have the opportunity to provide a stable and loving environment for my daughter. I cannot recommend Marc highly enough to anyone facing similar challenges in probate court. He is not just a lawyer but a true advocate for his clients who displays a genuine care about you and your family.
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11 Feb, 2022 by Stan jones
Marc Schmelkin is an exceptional attorney. If your looking to be represented by a highly skilled and competent law office; I would recommend Karpenski & Schmelkin, LLC
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20 Sep, 2021 by Jeffrey tomaneng
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23 Jul, 2024 by Brian straughter
I would like to first say, I have never made a post before. But when asked if I would consider, it was an immediate YES! I first had the opportunity to work with Kristina Yee Vitullo when she represented a buyer in a commercial property I was selling. I found Kristina to be professional, responsive and communicated efficiently about the transaction. I was so impressed with her work that I reached out and she has now represented me in my last two transactions. Kristina is a great attorney to work with and I highly recommend her firm!
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23 Jul, 2024 by Annette jacobs
I recently had the pleasure to work with Kristina Yee Vitullo. Unfortunately, I got myself into a situation where I had made, what was for me, a large deposit, much of which was not refundable. As time went on, I realized I did not want to go forward for a variety of reasons. The situation was complex. Kristina is extremely bright and personable and was quick to understand the situation. She wrote a brilliant letter to the organization I had contracted with, and within a few weeks, was able to obtain an 85% refund of my deposit for me. I was incredibly delighted and relieved. Kristina is responsive, easy to work with, and as shown above, gets results quickly, without making a big deal of things, for an extremely fair cost. You'd be smart to hire her for whatever your needs are.
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17 May, 2024 by Brandon eash
Kristina helped my business with some tricky employment issues. She knew exactly which questions to ask to help me ensure an equitable, favorable outcome for everyone. She was up front with her fees - but more importantly, I knew she and her team had my back. Thank you Kristina!
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02 Oct, 2024 by Vishalkirtan@gmail.com patel
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15 Jul, 2024 by Deisy ferreira
I still have a open case with the firm and all I can say so far it’s going amazing… they always keep you post it about everything and when you call they always there to assist you with whatever questions you may have… like I said I just open my case so far I give them a 9/10 I’ll come back and keep you guys post it… and before I forget they are a very honest and professional so yes you can trust them…
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08 Jul, 2024 by Rahul rahul
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23 Jul, 2024 by Brian straughter
I would like to first say, I have never made a post before. But when asked if I would consider, it was an immediate YES! I first had the opportunity to work with Kristina Yee Vitullo when she represented a buyer in a commercial property I was selling. I found Kristina to be professional, responsive and communicated efficiently about the transaction. I was so impressed with her work that I reached out and she has now represented me in my last two transactions. Kristina is a great attorney to work with and I highly recommend her firm!
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23 Jul, 2024 by Annette jacobs
I recently had the pleasure to work with Kristina Yee Vitullo. Unfortunately, I got myself into a situation where I had made, what was for me, a large deposit, much of which was not refundable. As time went on, I realized I did not want to go forward for a variety of reasons. The situation was complex. Kristina is extremely bright and personable and was quick to understand the situation. She wrote a brilliant letter to the organization I had contracted with, and within a few weeks, was able to obtain an 85% refund of my deposit for me. I was incredibly delighted and relieved. Kristina is responsive, easy to work with, and as shown above, gets results quickly, without making a big deal of things, for an extremely fair cost. You'd be smart to hire her for whatever your needs are.
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17 May, 2024 by Brandon eash
Kristina helped my business with some tricky employment issues. She knew exactly which questions to ask to help me ensure an equitable, favorable outcome for everyone. She was up front with her fees - but more importantly, I knew she and her team had my back. Thank you Kristina!
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What a Debt Collection Lawyer Can Do for You

A debt collection lawyer helps individuals and businesses navigate legal matters related to debt collection. Whether you’re a creditor seeking to recover unpaid debts or a debtor facing aggressive collection actions, a debt collection lawyer can provide valuable assistance. These lawyers help creditors pursue legal action to collect overdue debts and ensure compliance with debt collection laws. On the debtor’s side, they help defend against unlawful collection practices, negotiate repayment plans, or file for bankruptcy if necessary.

If you’re dealing with a debt collection issue, a lawyer can ensure your rights are protected and work toward a resolution that aligns with your financial or business needs.

When Should I Hire a Debt Collection Lawyer?

You should consider hiring a debt collection lawyer if you are facing any of the following situations:

  • For Creditors:
    • Unpaid debts: If you’re a creditor (such as a business or individual) with unpaid invoices, loans, or accounts receivable, a lawyer can help you pursue legal action to recover the debt.
    • Debtor refuses to pay: When a debtor is unwilling or unable to make payments, a lawyer can assist with filing lawsuits, securing judgments, and enforcing those judgments to collect the debt.
    • Negotiating repayment plans: If you’re willing to work with a debtor to arrange a payment plan, a lawyer can negotiate and draft a legally enforceable agreement.
    • Legal representation in court: If a debtor disputes the debt or countersues, a lawyer can represent you in court and ensure your legal interests are protected.
    • Securing liens or garnishments: A lawyer can help you secure liens on a debtor’s property or garnishments on their wages to recover the owed debt.
  • For Debtors:
    • Facing debt collection lawsuits: If you’ve been sued by a creditor or collection agency, a lawyer can represent you in court and help you defend against the claim or negotiate a settlement.
    • Debt collection harassment: If creditors or debt collection agencies are harassing you or violating your rights under the Fair Debt Collection Practices Act (FDCPA), a lawyer can help stop the harassment and potentially sue for damages.
    • Negotiating debt settlements: If you owe a significant amount of money but want to avoid bankruptcy, a lawyer can negotiate with creditors to reduce the total amount owed or set up a payment plan.
    • Disputing a debt: If you believe a debt is incorrect or have been wrongfully targeted by debt collectors, a lawyer can help you dispute the claim and provide evidence to resolve the matter.
    • Bankruptcy options: If your debts are overwhelming and you’re unable to repay them, a debt collection lawyer can help you explore bankruptcy as an option for debt relief.

Hiring a lawyer early in the process can help you protect your financial interests and avoid escalating legal issues.

What Does a Debt Collection Lawyer Do?

A debt collection lawyer provides a variety of services depending on whether they are representing the creditor or the debtor. Their responsibilities often include:

  • For Creditors:
    • Filing lawsuits: A lawyer can file a lawsuit against a debtor who has failed to pay what they owe. This includes preparing and submitting legal documents, representing you in court, and pursuing judgments.
    • Negotiating settlements: If the debtor is willing to settle, the lawyer can negotiate a payment arrangement or reduced settlement that ensures you recover some or all of the debt.
    • Securing judgments and enforcement: After obtaining a court judgment, a lawyer can help enforce it through methods like wage garnishment, bank levies, or property liens.
    • Reviewing contracts and agreements: A lawyer can review your contracts and lending agreements to ensure that they comply with the law and are enforceable if a debtor defaults.
  • For Debtors:
    • Defending against debt collection lawsuits: If you’re being sued by a creditor, a lawyer can challenge the lawsuit, dispute the debt’s validity, or negotiate a more favorable settlement.
    • Stopping harassment: If debt collectors are using unlawful practices to collect a debt (such as threatening you or contacting you excessively), a lawyer can intervene and protect your rights.
    • Negotiating debt relief: A lawyer can negotiate with creditors to reduce the total amount of debt you owe or develop a manageable payment plan that suits your financial situation.
    • Disputing inaccurate debts: If a debt is not valid, a lawyer can help you gather evidence to dispute the claim and prevent further collection actions.
    • Filing for bankruptcy: If your debts are overwhelming, a lawyer can advise you on whether filing for bankruptcy is the best option and help you through the process.

How Are Debt Collection Lawyers Paid?

Debt collection lawyers typically charge for their services in different ways depending on the complexity of the case and whether they represent a creditor or debtor. Common payment structures include:

  • Hourly rate: Many debt collection lawyers charge by the hour, with rates typically ranging from $150 to $500 or more, depending on the lawyer’s experience and the case’s complexity. Hourly fees are common when the lawyer is representing either party in litigation or negotiation.
  • Contingency fee: For creditors, some lawyers work on a contingency fee basis, meaning they only get paid if they successfully recover the debt. Their fee is typically a percentage of the recovered amount, usually ranging from 20% to 40%.
  • Flat fee: For specific services, such as reviewing a contract, drafting a demand letter, or defending a straightforward debt collection lawsuit, a lawyer may charge a flat fee.
  • Retainer: For larger or ongoing cases, a lawyer may require a retainer fee ranging from $2,000 to $10,000, depending on the complexity of the case and the expected duration.

It’s important to discuss fees with your lawyer during the initial consultation and understand the total cost of their services before proceeding with your case.

How Much Does a Debt Collection Lawyer Cost?

The cost of hiring a debt collection lawyer depends on whether you are a creditor or debtor, the complexity of the case, and the lawyer’s experience. General cost estimates include:

  • Hourly rates: Most debt collection lawyers charge between $150 and $500 per hour. Complex cases involving litigation or large amounts of money may result in higher legal fees.
  • Contingency fees: If the lawyer works on a contingency basis, they typically charge between 20% and 40% of the recovered amount. For example, if you recover $10,000 and the contingency fee is 30%, the lawyer would take $3,000.
  • Flat fees: For simpler services like drafting a demand letter or responding to a debt collection lawsuit, flat fees may range from $500 to $2,500, depending on the work required.
  • Retainers: For larger or ongoing cases, a lawyer may require a retainer fee ranging from $2,000 to $10,000, depending on the complexity of the case and the expected duration.

Always ask for a detailed cost estimate during your consultation to avoid surprises and ensure that the services fit your budget.

Top Questions to Ask a Debt Collection Lawyer

Before hiring a debt collection lawyer, it’s important to ask the right questions to ensure they have the experience and expertise to handle your case. Key questions to ask include:

  1. What experience do you have with debt collection cases?
    Make sure the lawyer has experience handling cases similar to yours, whether you’re a creditor or debtor.
  2. How do you charge for your services?
    Clarify whether the lawyer charges by the hour, on a contingency fee basis, or a flat fee, and ask for a detailed estimate of the total cost.
  3. What is the likelihood of success in my case?
    Ask the lawyer for an honest assessment of your case and the potential outcomes.
  4. How long will the process take?
    Debt collection cases can take time, so ask the lawyer how long they expect the process to last, from filing the claim to recovering the debt or resolving the dispute.
  5. What are my legal rights?
    Ask the lawyer to explain your rights as a creditor or debtor, including protections under laws like the Fair Debt Collection Practices Act (FDCPA).
  6. Will you personally handle my case?
    In larger firms, junior attorneys or paralegals may handle parts of the case. Make sure you know who will be managing your case.

How to Check the Credibility of a Debt Collection Lawyer

To ensure you are hiring a reputable debt collection lawyer, take the following steps to verify their credentials and track record:

  • Verify their bar status: Check with your state bar association to confirm that the lawyer is licensed to practice law and has no history of disciplinary actions.
  • Look for debt collection experience: Review the lawyer’s website or professional profile to ensure they specialize in debt collection law and have successfully handled cases like yours.
  • Read client reviews and testimonials: Look for client reviews on platforms like Avvo, Martindale-Hubbell, or Google to see what previous clients have said about the lawyer’s professionalism and ability to handle debt collection cases.
  • Ask for references: A reputable lawyer should be able to provide references from past clients who have worked with them on debt collection matters.
  • Check for certifications or memberships: Look for certifications or memberships in organizations like the National Creditors Bar Association (NCBA) or other relevant associations that focus on debt collection law.

What Should I Prepare for My First Consultation?

To get the most out of your first consultation with a debt collection lawyer, it’s important to come prepared with relevant documents and information. Here’s what you should bring:

  • For Creditors:
    • List of outstanding debts: Bring a detailed list of the debts owed to you or your business, including invoices, contracts, or other supporting documentation.
    • Previous communication with the debtor: Provide copies of any emails, letters, or phone call logs showing attempts to collect the debt.
    • Contracts or agreements: Bring any contracts or agreements related to the debt, as they may be critical in proving your case.
    • Judgment information (if applicable): If you’ve already obtained a court judgment against the debtor, bring the judgment documents and any enforcement attempts.
  • For Debtors:
    • Debt collection letters or notices: Bring any correspondence from creditors or collection agencies, including demand letters and collection notices.
    • Payment records: Provide proof of any payments made toward the debt, including receipts, canceled checks, or bank statements.
    • Debt validation or dispute documentation: If you’ve disputed the debt or requested validation, bring copies of the dispute letters and the creditor’s response.
    • Legal summons or lawsuit documentation: If you’re facing a lawsuit, bring the court summons, complaint, and any legal documents related to the case.

By preparing thoroughly for your consultation, you can help the lawyer assess your situation more effectively and provide the best legal advice tailored to your needs.

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