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27 Aug, 2024 by Harmonize
It is hard to overstate how positive my family’s two experiences with Atty. Asaf Sarno have been. If one were to sit down and describe the qualities of a great criminal defense attorney, you would describe Atty. Sarno.
In the first case, a close family member with substance use issues was already on probation for non-violent related offenses when he re-offended. His case was referred to Superior Court where he was indicted and faced up to 5 years in a state penitentiary. He even failed to appear for a hearing. Fortunately, Asaf was available to take the case. Asaf deftly took advantage of errors and weaknesses in the state’s case. He also researched the sentencing history for similar cases, including that of the assigned judge. He also employed a PI to obtain relevant info to bolster the case. Although the DA’s office refused to make an acceptable plea deal, Asaf was confident that the case would resolve acceptably. In the end, the accused received extended probation – far better than jail time.
At all times, Asaf remained positive and optimistic. With his client’s permission, he kept us family in the loop so that we could be appropriately supportive. (We also attended every court appearance which Asaf assured us was very helpful.)
Meanwhile, another case (i.e. a different non-violent offense while under the influence) had been simmering for 2 ½ years. The original defense lawyer had assumed it would settle quickly. However, the prosecution again would not agree to an acceptable plea deal. It was apparent that the case would go to trial. It felt like a lost cause. My family member decided to get a 2nd opinion from Atty. Sarno. He instantly greeted us with positive energy and enthusiasm even before we explained the reason for calling him. We agreed to pay his reasonable fee to review the case. No guarantees but based on Asaf’s thorough review he presented three distinct approaches to the defense. Based on this and the prior experience with Asaf, he was hired to take over the case.
Attorney Sarno worked hard on this case, appropriately hiring a PI and a forensic psychologist to bolster the defense. Importantly, Asaf ALWAYS returned calls and emails in a timely manner – typically within 24 hours, even when he was in court on another trial. Also with his guidance, we solicited letters of support from family members, former counselors, etc.. All this led to being as prepared as possible for the trial. Asaf made a vigorous defense, for which he was congratulated by the judge! In the end, my family member was given probation with some strict but reasonable conditions – much better than the what the state had previously insisted on. Now my family member has a reasonable shot at wellness because staying in a treatment program is now possible.
There are many factors that play into the outcome of a criminal trial – the strength of the evidence, the skill and determination of the prosecution, the judge assigned, the defendant’s history, and the degree of support by family and friends. But certainly, a HUGE factor is the SKILL, DETERMINATION, POSITIVE DEMEANOR, and WORK ETHIC of the defense counsel. Asaf brings all of those qualities to his work – to an EXCEPTIONALLY high degree! Moreover, Atty. Asaf Sarno’s enthusiasm for his profession and dedication to his clients are what make him a head-and-shoulders standout in the criminal defense bar.
I hope you never need the criminal defense skills of Attorney Asaf Sarno, but if you’re reading this there’s a good chance you do. My advice: HIRE HIM!
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24 Jul, 2024 by Glenn sawyer
Did an amazing job made me feel like I wasn't just another case made me feel respected did a great job for me and my family
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31 May, 2024 by Grimelab
I have nothing but good things to say about Attorney Sarno. I was charged with multiple counts of possession of a large capacity firearm without a FID card, facing up to 10 years in prison on each count, and Attorney Sarno was able to negotiate a custodial sentence of only 15 months (after the prosecutor pushed the court for 2x that amount) and three years' probation. Through additional research and investigation, Attorney Sarno uncovered multiple instances of misconduct committed by the District Attorney's Office and local PD, resulting in my probation sentence being cut in half! Attorney Sarno went far above and beyond my expectations for a criminal defense attorney. I am grateful for his diligence, expertise, and relentless effort to get the best possible outcome for me. I would whole-heartedly recommend Attorney Sarno to anyone who needs the BEST legal representation possible!
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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.
