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03 Dec, 2024 by Darcie hendrix
Scott, renee, and Jason were absolutely amazing to work with. They made sure all of our concerns were addressed, they made this process very fast and extremely easy. I would recommend this law office to anybody that needs to file bankruptcy! Thank you for everything needleman law office!!!
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03 Dec, 2024 by Donna glanton
WHEN I SAY “THE NEEDLEMAN LAW FIRM” IS THE ABSOLUTE BEST, TRUST ME! THEY WILL MAKE SURE YOU ARE 100%DEBT FREE WITH NO ISSUES! SMOOTH AND EASY PROCESS!! THE ENTIRE TEAM IS THERE FOR YOU WITH ANY QUESTIONS YOU HAVE!!! IMPORTANT: I GOT $$$$BACK FROM A DEBT RECOVERY PROGRAM! THEY ARE WHO YOU NEED!!! LOOK NO FURTHER
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17 Jun, 2024 by Jennifer dudley
Mr. Needleman is a phenomenal attorney and follows through with his clients. He is extremely knowledgeable and detailed. His firm is diligent about their work and communicated well with me throughout the entire process. I would highly recommend him to anyone who needs services in the area of bankruptcy.
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23 Aug, 2024 by Lindsey self
16 Aug, 2024 by Jay
Doesn't matter how important your case or the timeline. You can wait two months for them to never contact you, despite contacting them multiple times, and lose your court case, or you can go elsewhere. There's nice reviews from years ago. Apparently they fell off.
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16 Aug, 2024 by Hook's towing & recovery llc
Kelly Morgan is a very rare Attorney. He is kind, patient, a great listener, easy to communicate with, responsive and solution oriented. I reached out to Attorney Morgan after a business deal had gone awry, in search of a legal expert that could help my company. In my mind, help meant, “let’s go to court.” Attorney Morgan, however, with his calm and level-headed demeanor, talked me off the ledge with a suggestion to meet with the opposing party because of the relationship he and I have. The result of which positioned my friend and I to finish our deal and remain friends. All thanks to Attorney Morgan. Thank you, Kelly!
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09 Dec, 2024 by Debra stierhoff
I couldn't have been more pleased with my attorney, Jacob. He worked diligently on my case and stayed on top of everything that was happening. I would not hesitate to hire him again. Great job Jacob and thank you.
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02 Dec, 2024 by Ele and win
I talked to Marisha, and she was very sweet. Put my mind at ease. I feel faithful that if I needed support, they would provide it and thoroughly.
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17 Sep, 2024 by Mandy miller
Sean was extremely helpful during a recent legal issue. He was always very responsive to any questions or concerns I had. Highly recommend Kohl & Cook.
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14 Nov, 2023 by Ashley
Had the pleasure to have Ken Goldberg as my attorney this past 6 months. He was very professional, thorough and lestioned to all my concerns during court. He brought light to a very difficult time for my family. Kens organization and communication in the court was a A+. Highly recommend if your looking for a straightforward and honest attorney.
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21 Sep, 2013 by Connie
I would suggest Mr. Goldberg to anyone who is seeking a divorce. He is very kind and caring. He understands the emotional and financial toll of a divorce. He always returned calls and keep me up to date and informed about everything. And he always had my best interest in mind during the whole divorce process.
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07 Oct, 2024 by Cathy jackson
Everyone who works there is professional, courteous and willing to help you in any way possible. Anyone who picks this firm will be completely satisfied with their services. I would recommend them to anyone who asks me. I appreciate everything they did for me and would go to them if I had to again.
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21 Jul, 2024 by R b
I initially sought them out to try and solve my financial issues what I had no idea in knowing was them going behind my back and working with my ex wife on divorcing me. I would not trust them at all. And what I have said is the truth.
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05 Sep, 2023 by Sarah
22 Jan, 2025 by P3ashooter025
Great service. A spikey haired young man represented me and proved me NOT GUILTY! Definitely one of the greatest defense attorneys ive ever seen. Zvarri!
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19 Jan, 2025 by Gokul niroula
I had a very disappointing experience with Yazdani Law, LLC, Columbus, OH. Despite paying for their services in full, they mishandled my case by submitting incorrect documentation, leading to delays and unnecessary stress during the visa process. To make matters worse, they demanded extra money beyond the agreed-upon contract amount, claiming it was for unforeseen circumstances—issues that should have been anticipated with proper diligence.
Their lack of accountability and professionalism was evident throughout. They acted as if they were providing a free service, despite the significant fees I paid. Instead of acknowledging their errors, they attempted to mask their mistakes by blaming and suppressing.
I do not recommend this lawyer or firm to anyone seeking reliable immigration assistance.
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19 Jan, 2025 by Monica jones
An Unstoppable Advocate – Kia Fights for Her Clients!
I cannot say enough great things about Kia and the incredible work she has done for me and my children. From the moment she took on my case, she was relentless in ensuring that every detail was handled with precision and care. Litigation is never easy, and when things took a turn for the worse, Kia stepped in and made sure that my paperwork was solid and in my favor.
What truly sets her apart is her resilience. She didn’t care she challenged the court she was going to keep approaching the bench until we got what we needed. The judge wasn’t trying to hear the matter, but that didn’t stop her. She went as far as to request a hearing just to make sure we didn’t leave that courthouse without a resolution. Her intelligence, persistence, and dedication were unmatched.
As a Black woman attorney, it would have been easy for her to let ego or frustration take over, to throw her hands up and walk away when the court was being rigid and unwilling to listen. But instead, she showed incredible fortitude, humility, integrity, and character. She stayed the course, refusing to give up, even when it was clear the process wasn’t designed to be flexible or creative. I know without a doubt that things could have gone so much worse if not for her determination.
Kia is not just a lawyer—she is an advocate, a fighter, and someone who truly cares. If you need an attorney who won’t back down and will stand up for you no matter what, she is the one you want in your corner. I am beyond grateful for her, and I highly recommend her to anyone in need of strong, compassionate legal representation.
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21 Jan, 2025 by Anthony windsor ii
Brucoli & Potter worked tirelessly on my case for over a year. They helped me to understand every part of the process and was always available when I had questions. I was extremely satisfied with how my case turned out and would absolutely recommend to anyone looking for a good family law lawyer.
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02 Dec, 2024 by Gabriella williams
If I could give Darien more than 5 stars, I would. I possibly cannot even describe how grateful I am to have had her represent me in my custody case. Darien advocated for us and made sure we were heard every step of the way. In fact, it went so well that my husband was able to adopt my daughter in the end. Although I pray that no one goes through a custody battle, I hope you choose Darien to represent you. I would and have recommended her to others.
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16 Oct, 2024 by Eric
Darien absolutely saved my divorce from being a complete disaster! She turned what could've been a tragedy into a triumph! She is super smart, very professional, does NOT try to nickel and dime you with billing, and super creative with problem solving and resolving issues, and just simply a genuinely a GOOD HUMAN BEING that does her best for you!!!
I had tried to go the cheap route and do a dissolution with one lawyer that my ex-spouse chose. That ended up being a big mistake!!!!!! I practically got PTSD from how bad and incompetent the law firm was with trying to get a reasonable dissolution done. It became apparent that I needed to get a competent divorce attorney to represent me during the dissolution process. I was referred to her by a colleague who said she will work hard for you and not just try and get as much money out of you like some other law firms try to do.
After Darien represented me, things with my divorce went much smoother and she saved me from myself and helped me get out of an initially bad dissolution. She even corrected the other law firm's proposals and educated them on some crucial divorce law issues that were initially slowing up the divorce negotiations. Through her creative problem solving abilities, legal acumen and expertise, I was able to reach a settlement that worked out great for myself and my ex-spouse. Everyone walked away happy, especially me because she fought for me the entire time and was very pragmatic and was cognizant that I didn't have endless resources. I HIGHLY AND STRONGLY RECOMMEND DARIEN AND BRUCOLI & POTTER LLC to represent you with your family law or Divorce law problems.
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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.
