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27 Jan, 2025 by Gabby b
We hired them in September 2021. The time share company ( Westgate) is taking their sweet time to cancel this nightmare. Boukzam Law keeps us informed continuously.
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10 Dec, 2024 by Jack yanni
Finally found an attorney to get me out of the timeshare scam. Highly recommended. It is such a feeling of relief that I am out of it and I don't have to worry about my heirs inheriting this terrible and expensive mess.
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10 Dec, 2024 by Jack
I was approached by several attorneys and scams that said they could get me out of the scam timeshare problem. In evaluating them, I found that most were also scams. A friend recommended Natalie. All I can say is "Whew" I am out of it.
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27 Jan, 2025 by Gabby b
We hired them in September 2021. The time share company ( Westgate) is taking their sweet time to cancel this nightmare. Boukzam Law keeps us informed continuously.
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10 Dec, 2024 by Jack yanni
Finally found an attorney to get me out of the timeshare scam. Highly recommended. It is such a feeling of relief that I am out of it and I don't have to worry about my heirs inheriting this terrible and expensive mess.
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22 Nov, 2024 by Jerry burgoon
19 Feb, 2025 by Virgen zuniga
We have just completed a 7 month audit process, and we are beyond grateful for the exceptional legal guidance provided by Mr. Martin. From start to finish, he demonstrated unparalleled professionalism, expertise, and dedication.
Navigating an AHCA audit can be overwhelming, but Mr. Martin made the process seamless. His deep knowledge of the regulations, strategic approach, and attention to detail ensured that everything was handled efficiently. Today, we are thrilled to say that the audit is officially behind us, and the results were excellent!
If you need assistance with an AHCA audit, look no further—Mr. Martin is the right person for the job. We highly recommend his services to anyone in need of a knowledgeable and reliable attorney.
Thank you, Mr. Martin, for your outstanding support! Virgen Zuniga
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17 Feb, 2025 by Abdel noudali
25 Jan, 2025 by Kayla gerardi
Awesome place would recommend
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08 Jan, 2025 by Amed
I was recently served with a lawsuit from American Express for an unpaid balance. I received Michael Metzner's letter of solicitation in the mail before I was even served with the official lawsuit. My initial thought was I would just call and most likely hang up very disappointed. However, to my surprise, I reached Al Mays, the office manager, but I must say he is way more than that.
Al not only thoroughly provided me with options and broke down the entire process in an easy-to-digest way, he went further to explain how Amex operates, the attorneys they use, and each of their approaches, setting the stage for how they would approach the case to get me the best outcome. I was impressed with how knowledgeable Al was and how much information he shared.
Truth be told, I left off saying that I was going to call around to other firms to get a second opinion, but no one has come close to the level of knowledge and professionalism I experienced with Al. I will move forward with hiring them Michael Metzner's Law Firm to handle my case.
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31 Dec, 2024 by Anonymous
I called late yesterday afternoon for a quick consult, thinking that it would need to be rescheduled due to the time. I was pleasantly surprised that Al answered and stated that we could do it right away. I was even more impressed with the amount of time that he took to explain things in infinite detail that a layperson could understand. The most mind-blowing part was that he offered potential solutions that wouldn't even directly benefit their office, stating that they are support for those in need within the community and would rather look out for the greater good than to steer someone in the wrong direction. I don't know about you, but this feels both uncanny, yet refreshing, in this day and age. Overall, the experience was fantastic, and I would strongly recommend contacting the Metzner law office. Thank you, Al for going above and beyond!
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19 Dec, 2024 by Er
Michael has represented my husband and I in a few third party debt collection cases. Always affordable, honest, upfront with no fine print two weeks after hiring. After years of using his service when we were faced with another situation he was the first person we thought of. Do yourself a favor andhire him!
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29 Jun, 2018 by Gregg
Kevin Mason is a lawyer you want when you know you are in a litigation case where you have been wronged or cheated by your ex employer.
He will fight for justice until justice prevails and is a great communicator ...I highly recommend his services !!
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25 Mar, 2016 by Rich
I am in a very bad case in Florida and Kevin is very good at getting to the bottom line. He is just what we needed to fight an HOA that is terrible and has lawyers to match. I have worked with a lot of lawyers in my time and this guy is one of the good ones. I highly recommend him. You will be happy you hired him.
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13 Jan, 2025 by Philly pm
Super impressed with Anila and her expertise in law. She has been very helpful and thoughtful with regard to our situation. Highly recommended for your real estate legal needs!!
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20 Nov, 2024 by Luis a
We used this law firm for a quit claim deed. Anila was great throughout the entire process. Always quick to respond to my questions, however trivial they may have been. Very informative and patient. I would definitely recommend her and use this firm again should I have the need. Thank you.
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08 Oct, 2024 by Christen ritchey
Anila is an excellent attorney - responsive, efficient and does quality work. I highly recommend her!
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31 Jan, 2025 by Supa psych
31 Jan, 2025 by Franckly cherilus
I can’t thank Marci Ball’s law firm enough for their incredible support after my car accident. From day one, they were professional, compassionate, and dedicated to my case. The team kept me informed every step of the way and fought tirelessly to ensure I received the best outcome possible. Their attention to detail and expertise made a stressful situation much more manageable. I couldn’t have asked for a better team to represent me. Highly recommend to anyone in need of top-notch legal assistance!
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23 Jan, 2025 by Randy ritchie
My wife saw one of the best Personal Injury Attorneys, Jeff Martz. Jeff was attentive to my wife’s needs and showed confidence in her case. Not only did he help us get what we deserved but it was more than we expected. We would highly recommend him to our family and friends.
Randy R
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27 Feb, 2025 by Todd kniffen
19 Feb, 2025 by Russell castaneda
Regarding a matter that involves a family cabin that was taken into consideration during the process of estate planning, Morgan Legal Group did a wonderful job with the case to deal with the situation.
Furthermore, they consistently demonstrated a high level of sensitivity towards any queries or concerns that were brought up during the process. From the very beginning to the very finish of whatever was being done, this ensured that everything went off without a hitch and that everything occurred without any problems.
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23 Jan, 2025 by Richard mcintyre
During the process of estate planning, Andrew did an excellent job of leading us through each phase of the process. He accomplished this by walking us through the process step by step. Not only was he extraordinarily comprehensive and well-organized, but he was also able to explain everything in a way that ensured it was easy to comprehend. He was a master of communication. I found this to be a very beneficial resource for those persons who had no prior experience working in the legal sector.
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28 Feb, 2012 by Anonymous
Mr. Karyo has been a great source of information and help dealing with creditor issues. We value his opinion and have been very happy with his professional help.
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FAQs
Questions? We have answers
What a Debt Settlement Lawyer Can Do for You
A debt settlement lawyer specializes in helping individuals and businesses negotiate with creditors to reduce or eliminate unsecured debts, such as credit card balances, medical bills, and personal loans. These lawyers provide legal advice on debt relief options, represent you in negotiations, and protect your rights under consumer protection laws. By leveraging their expertise, a debt settlement lawyer can often secure more favorable terms than you might achieve on your own, potentially reducing the total amount owed and helping you avoid bankruptcy.
When Should I Hire a Debt Settlement Lawyer?
You should consider hiring a debt settlement lawyer in the following situations:
- Overwhelming Debt: If you're struggling to make minimum payments on your debts or are facing significant financial hardship, a lawyer can help explore options to reduce your debt burden.
- Creditor Harassment: If creditors or collection agencies are harassing you with frequent calls, letters, or threats, a lawyer can intervene to protect your rights under the Fair Debt Collection Practices Act (FDCPA).
- Lawsuits from Creditors: If a creditor has filed a lawsuit against you for unpaid debts, a lawyer can represent you in court and negotiate settlements to prevent wage garnishment or asset seizure.
- Complex Debt Situations: If your debts involve legal complexities, such as co-signers, joint accounts, or disputed charges, a lawyer can navigate these issues effectively.
- Considering Bankruptcy: If you're contemplating bankruptcy but want to explore alternatives, a debt settlement lawyer can advise on whether debt settlement is a better option for your situation.
- Protecting Assets: If you have significant assets you wish to protect from creditors, a lawyer can help structure settlements to safeguard your property.
Hiring a lawyer early can maximize your chances of a favorable outcome and prevent legal missteps that could worsen your financial situation.
What Does a Debt Settlement Lawyer Do?
A debt settlement lawyer provides a range of services to help you manage and reduce your debts:
- Legal Consultation: Evaluates your financial situation, explains your rights, and advises on the best debt relief options, such as debt settlement, debt consolidation, or bankruptcy.
- Negotiating with Creditors: Communicates with creditors and collection agencies on your behalf to negotiate reduced settlements, lower interest rates, or extended repayment terms.
- Drafting Settlement Agreements: Prepares legally binding agreements that outline the terms of the settlement, ensuring that the creditor cannot pursue additional claims once the debt is settled.
- Protecting Against Creditor Harassment: Uses legal tools to stop abusive collection practices and enforces your rights under consumer protection laws.
- Representing You in Court: If creditors file lawsuits, the lawyer can defend you, potentially getting cases dismissed or negotiating settlements to avoid judgments.
- Financial Planning Advice: Provides guidance on budgeting, managing expenses, and rebuilding credit after debt settlement.
- Bankruptcy Alternatives: Helps you explore alternatives to bankruptcy, which can have long-term effects on your credit and financial opportunities.
How Are Debt Settlement Lawyers Paid?
Debt settlement lawyers typically charge for their services in one of the following ways:
- Flat Fee: A set fee for specific services, such as negotiating with a single creditor or handling a straightforward settlement.
- Hourly Rate: Charging an hourly fee for the time spent working on your case. Rates can range from $200 to $500 or more per hour, depending on the lawyer's experience and location.
- Percentage of Savings: Some lawyers charge a fee based on a percentage of the amount they save you in the settlement. For example, if they negotiate a $10,000 debt down to $6,000, they might charge 25% of the $4,000 saved.
- Retainer Fee: An upfront payment from which the lawyer deducts fees as they work on your case. You may need to replenish the retainer if it is exhausted.
- Payment Plans: Some lawyers offer payment arrangements to make their services more affordable, allowing you to pay the fee over time.
It's important to discuss payment structures and fees during your initial consultation to understand the total cost and ensure it fits within your budget.
How Much Does a Debt Settlement Lawyer Cost?
The cost of hiring a debt settlement lawyer varies based on several factors:
- Flat Fees: May range from $500 to $3,000 per creditor, depending on the complexity of the negotiations.
- Hourly Rates: Typically between $200 and $500 per hour. Total costs depend on the amount of time required to settle your debts.
- Percentage of Savings: Commonly 15% to 25% of the amount saved through negotiation. For example, if your lawyer saves you $10,000, their fee might be $1,500 to $2,500.
- Retainer Fees: Initial retainers can range from $1,000 to $5,000, depending on the anticipated workload.
Additional costs may include:
- Court Fees: If legal action is necessary, such as filing motions or defending against lawsuits.
- Administrative Fees: Charges for copying documents, postage, or other administrative tasks.
Always request a detailed fee agreement and discuss all potential costs upfront to avoid unexpected expenses.
Top Questions to Ask a Debt Settlement Lawyer
-
What is your experience with debt settlement cases similar to mine?
Ensure the lawyer has a successful track record in negotiating debt settlements for clients with situations like yours. -
How do you charge for your services, and what are the estimated total costs?
Understand the fee structure, including any upfront costs, percentages, or additional fees. -
What are the potential outcomes of my case?
Ask for an honest assessment of how much your debts could be reduced and the likelihood of successful negotiations. -
How long will the debt settlement process take?
Get an estimated timeline for negotiations and resolution. -
Will you handle communications with all my creditors?
Clarify whether the lawyer will negotiate with all your creditors or only specific ones. -
What happens if a creditor refuses to settle?
Discuss alternative strategies if a creditor is uncooperative. -
How will debt settlement affect my credit score?
Understand the potential impact on your credit and how to rebuild it afterward. -
Can you help protect me from creditor lawsuits or wage garnishment?
Inquire about legal protections and how the lawyer can assist if creditors take legal action.
How to Check the Credibility of a Debt Settlement Lawyer
- Verify Their License: Ensure the lawyer is licensed and in good standing with your state's bar association.
- Experience and Specialization: Look for a lawyer who specializes in debt settlement or consumer debt law.
- Client Reviews and Testimonials: Research online reviews or ask for references to learn about other clients' experiences.
- Professional Memberships: Membership in organizations like the National Association of Consumer Bankruptcy Attorneys (NACBA) or local bar associations can indicate a commitment to the field.
- Disciplinary Record: Check for any past disciplinary actions or complaints filed against the lawyer.
- Consultation Feedback: Use the initial consultation to assess their communication style, professionalism, and confidence in handling your case.
What Should I Prepare for My First Consultation?
To make the most of your initial meeting with a debt settlement lawyer, bring the following:
- Detailed List of Debts: Include all creditors, account numbers, balances, interest rates, and any correspondence you've received.
- Income and Expense Statements: Provide documentation of your income sources and monthly expenses to give the lawyer a clear picture of your financial situation.
- Credit Reports: Obtain a recent copy of your credit report from all three major bureaus (Experian, TransUnion, Equifax).
- Correspondence from Creditors: Bring any letters, notices, or legal documents you've received from creditors or collection agencies.
- Legal Documents: If you've been served with lawsuits, summons, or wage garnishment orders, bring those documents.
- Questions and Concerns: Prepare a list of questions about your options, the debt settlement process, and potential outcomes.
- Budget Information: Be ready to discuss what you can realistically afford to pay toward settlements.
By being thoroughly prepared, you enable the lawyer to assess your situation effectively and provide the best possible legal advice tailored to your needs.
