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15 Sep, 2021 by Mike
Jeff performed his representation of me in a highly professional manner. He was always responsive to all parities involved and went out of his way to get me a good result in as short a time as possible. He always took the time to explain all the options with solid recommendations to proceed. He was extremely thorough in his research and often would obtain opinions of other experts just to explore any and all possible solutions. I will absolutely utilize his service should the need arise in the future.
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14 Oct, 2020 by John
I started off with another attorney who thought I should just pay what the other party was ordering me to pay. Then I got a referral from a good friend of mine, so I called Jeff Howell. Jeff rolled his sleeves and jumped right in. Less than a week later he had negotiated a settlement agreement for less than half of what the other party wanted. As soon as that was settled I signed him up as my registered agent and look forward to using him for all of my legal needs. If you’re looking for a young and aggressive legal team to represent your business, I highly recommend these guys.
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16 Jan, 2020 by Kathleen
I retained Jeff last year (2019). I have had the opportunity to work with many attorneys in my life for many reasons Never I once have I felt that an office would put in a drop of thought to my case without overcharging. Jeff and his office (Kelli!) are different than other legal offices—they work tirelessly and really care about their clients. I feel 100% confident in stating that this office is not just in it for the money and they genuinely want to provide quality representation. When the defending party in my case became threatening, Jeff did not hesitate to firmly put them in their place. I wouldn’t hesitate to hire Jeff again. If you are looking for great representation from an attorney that is also a trustworthy and good individual, look no further—Jeff is your guy! There really aren’t enough words to express how much I recommend this firm.
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21 Jul, 2021 by Jennifer
Mr. Wolcott successfully negotiated a lease termination I was a party to. He handled this case with professionalism and was diligent in resolving the case. More importantly, Mr. Gordon's discerning knowledge of real estate law was a catalyst toward achieving the desired case outcome. I highly recommend Mr. Wolcott. His attention to detail, erudite knowledge of the law, and first class client service make him a trustworthy choice for legal representation.
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28 Apr, 2020 by Raechel
Mr. Wolcott and the Wolcott team were amazing at handling my car accident case. They helped me receive a fair claim and I couldn’t have asked for a better team on my side. They supported me through out the entire process and were always available to take my questions. They put 100% of effort in helping me close my case! Mr. Wolcott and his team are wonderful and I can’t thank them enough. This was my first accident I was involved in (not at fault) and Mr. Wolcott eased the process tremendously. He took away a lot of stress of trying to handle a claim with insurances alone and I cannot be more grateful for his assistance. I recommend Mr. Wolcott and the entire firm to everyone. You won’t regret hiring this team!
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23 Sep, 2019 by Anonymous
After reaching an impasse with our business partners earlier this year, Attorney Wolcott was hired to represent our interest in a buy-out/separation agreement. After listening to the details surrounding our case, he provided initial insight into how best to proceed, then set realistic expectations for what to expect throughout the process. Attorney Wolcott went above and beyond to remain reachable throughout the process, provided quick follow ups for emails/phone calls, and delivered all necessary materials in a timely manner. We highly recommend Attorney Wolcott and the entire Wolcott/Rivers/Gates Law Firm to anyone in need of representation!
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29 Mar, 2016 by Fred
I have been in business for 54 years, have had to hire many Lawyers... Steve is not only talented, but also very personal and easy to talk to. Has handled wills, law suits, closings, contract review and debt collections, as well as defending our Corp against suits, successfully I might add. I have and will continue to recommend him...
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25 May, 2018 by Christina
I came to Mr. Mettler with my child custody case. As a client of his and single mother of 2 small children, I highly recommend him. All good attorneys are very busy but he always came through as needed. Not only is he well knowledgeable about the law, he was always compassionate and empathetic to my situation. I never felt that Mr. Mettler was “out to take my money”. In fact I feel the opposite. Throughout my case I feel Mr. Mettler did everything he could to keep my case as cost effective as possible. Not to mention his awesome paralegal Tammy! All my calls with questions were answered promptly. I was always kept informed with any proceedings in my case. I am very pleased with the outcome of my case and will recommend him to anyone I know needing a good attorney to represent them in such an important matter as mine.
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04 Nov, 2013 by A client in virginia beach
When forced to face a difficult challenge, having the right attorney by one's side is critical, especially when what's at stake is of utmost importance. We do have a choice to "shop around" or interview at least 2 or 3 distinct professionals so we can make an informed decision for ourselves, and in this process for me, Mr. David Mettler stood out right away. The big difference: he took the time to listen, was honest and proficient, able to correctly assess what I was truly up against and enlist my options. He then probed my opponent's strengths, investigated the issue thoroughly, and planned the best course of action from the outset. The result: A speedy conclusion with a settlement having a cumulative value in the 6 (almost 7) figures, totally exceeding my expectations. It was clear who to hire for subsequent cases I needed expert guidance for, and have since referred close friends and business clients to Mr. Mettler. I've heard favorable outcome for their specific cases as well. With his integrity and track record of success, I can confidently say: David Mettler truly sets the bar.
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21 Sep, 2013 by Anonymous
I would strongly suggest that anyone going thru a divorce to seek counsel ANYWHERE else than hiring David Mettler as your attorney. After over a year and close to ten thousand dollars later, no progress has been made. He is consistently at least 45 minutes late to every appointment as well as unable to ever call you at all when you've made a phone conference. He will and continued to go around your wishes to extend a case just to bill you more and rack up your legal fees. He is extremely arrogant for someone who clearly knows minimal in divorce cases. Do yourself a service and hire any other attorney other than David Mettler.
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15 Oct, 2020 by Elionora katz
Dishonest, manipulative, low professional standards. Bad manners in the Court room. Lacking of understanding and consideration of other people’s opinions and feelings. Arrogant. Takes advantage of other to achieve his own goals. He doesn’t even deserve a star. Does not send documents properly and that jeopardize the case. His office clerk is rude Would NOT recommend to anyone!!!!!
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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.