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24 Jan, 2025 by Marko
Somehow Mr. Chapin was able to turn a very complex issue into a simple issue for me. I was very pleased with his professionalism, responsiveness and ability to problem solve. Every legal challenge can feel daunting but with the right help there can be hope. I would highly recommend Mr. Chapin to anyone in need of a lawyer.
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17 Nov, 2024 by Marcial
From our first consultation to the final resolution, Hershel provided clear, detailed explanations and was always available to answer my questions, no matter how small or complex.
His deep knowledge of bankruptcy law and experience in handling cases like mine gave me confidence and peace of mind,knowing I was in good hands during a challenging time. I especially appreciated Hershel's patience and empathy, as he took the time to understand my situation fully and treated me with respect and compassion.
Thanks to his diligence and skill, the process was smoother than I had anticipated, and I feel relieved and optimistic about moving forward. I highly recommend Hershel to anyone facing financial challenges and looking for trustworthy, competent legal representation.
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14 Sep, 2024 by Jason
I cannot express how grateful I am for Attorney Hershel’s support in my case against a company that attempted to withhold my contractual payment and avoid paying me the money I was rightfully owed. Hershel stood by my side, offering unwavering guidance and support. His expertise and dedication brought justice to my situation, and we achieved a successful outcome. Hershel’s commitment to fairness and justice is truly commendable. At a time of need, he stepped in and fought for my rights. Thanks to him, I was able to reclaim my hard-earned money and restore my peace of mind. If you are facing similar issues, I highly recommend Hershel as the attorney who will stand up for you and ensure that justice prevails. Thank you Hershel, for everything!
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01 Aug, 2023 by Abigail
I knew Mr. Thomas’ firm was the right place to come with my case. Everyone from the attorneys to general staff was a pleasure to work with!!! The receptionist, Gold, was awesome and extremely pleasant. She made communication with the firm not just easy but seamless.
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10 Oct, 2022 by April watson
Portfolio Associates the junk debt buyer sued BOTH me and my wife for an account that I cannot even remember. Well, apparently neither could they, because Tom’s firm got the case dismissed. Recommend big time.
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09 Oct, 2022 by Elaine ramirez
Scott & Associates sued me after harassing me for months over an old Capital One account that went bad during Covid. I hired Yvonne and Tom and the next thing I knew, the case was over and I saved tons of money. Thanks guys!
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06 Dec, 2024 by Grace t
Great experience! They did a rush resize on my engagement ring in less than 30 minutes. Everyone in the store was so nice (especially Traci, who helped me). Will absolutely be returning soon!
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01 Nov, 2024 by Sarah torres
My husband and I enjoyed working with Arma and her team. From our first interaction with her, we got a good feeling from her and felt like we could trust her to help us build our trust. Arma took the time to explain everything in great detail in our initial visit and throughout the process as questions/clarifications were needed, she was ever so patient with us. This process in general is stressful but we felt well supported by Arma. We would recommend her for any of your trust needs.
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03 Oct, 2024 by Lexie spalding
This was an absolute fantastic experience, and I would recommend anyone looking for anything jewelry related to go to William Sheahan Designs. They were personable, thoughtful, very experienced, and asked a lot of questions to ensure they knew exactly what we were hoping for. We specifically worked with Skylar Holt, who was instrumental in making sure our experience was the best it could possibly be. We will be going back!
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15 Oct, 2024 by Matt
Don is THE MAN! Ive never met a Lawyer that is as efficient, takes calls and emails day and night, (I don't think he sleeps or vacations, but LOVES his wiener dog! ha) and maps everything out as good and clear as Don did. His assistant Oliver was REALLY good at his job. Both very professional and classy, straight shooter, fair on price, and did everything he said he would do. Im hoping I never have to call him again for court matters, but if I do it will be Don. Great Guy and cares about his clients and work. I appreciate him. Side Not, If he ask for certain documents or assignments to be done, don't be lazy. Get it done and over to him so he can do his job. If you do that, and not wait until last minute, everyone will leave happy.
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09 Oct, 2024 by Doony
I had a dire situation that Don took on. He knew all the laws that were apart of my situation and Gave me the pease of mind that was missing for awhile!!
Thank you Don!!!!
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01 Oct, 2024 by Carlos
Yo felicito y doy gracias al abogado Donald E Hood, por haberme ayudado a resolver mi caso de banca rota y ser ya un echo y resuelto por el tribunal.
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24 Sep, 2022 by Victor smith
KENSTAR Credit Service is truly outstanding. I have been trying for weeks to do a Chex system fix and get rid of 2 bad accounts on my credit report. So I contacted him from a credit blog, he was able to get that done deleting all tradeline off my reports. He did same on my second account, also cleared off my mortgage and increased my credit score to 762. His service is completely Excellent. I sincerely recommend him
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02 Sep, 2022 by Rita oliver
At the point I urgently needed a dental procedure that needed to be done for $2500 it was impossible to get approved for a big enough limit credit card to cover the cost of the dental procedure because of my outstanding debts, derogation marks inquiries and collections. Raylink came through for me by removing all derogatory marks, inquiries and collections, and this month I successfully completed the dental procedure having gotten approved of a high limit credit card. Thank you, God’s sent. Raylink’s email:
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17 Mar, 2022 by Scott
Months ago I was scammed by some rip-offs after my father’s death, they promised to fix my credit score. I told them my entire financial situation and they promised to help me ASAP and I trusted them. They asked me to make an upfront payment of $2000 which I did. I had already made the second payment of $2000 before my wonderful cousin sister who has been beside me through all my ordeals convinced me they were scammers, she later introduced me to a credit guru (Metronet Credit Solution) who had helped her acquire loan in the past. They helped me clear every negative item on my report and boosted my score to excellent within 9days interval; they further helped me to recover my $4,000 from those scammers. I’m very grateful for their help. I strongly recommend them to any person in need of credit fix, fund recovery, bitcoin recovery. Are you tired of been scammed Contact them via
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06 Jan, 2010 by Kimberly
What a Law Firm! They crossed all my t's and dotted all my I's. The process was easy to do and they did all the work after I gave them all my information. I made all my appointments and it was so easy and so fast! GR8 Lawfirm! A+++++++
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04 Jan, 2010 by Anonymous
I have heard so much negative feedback about BK, however I had the exact opposite. It was so easy. From the first consulation to the discharge of my case Allmand & Lee was professional, and timley. The customer services there is second to none. I would recommend this law firm to everyone who isfinanical turmoil.
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11 Aug, 2016 by Joseph carlson
Great person and great professionalism!
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19 Jun, 2024 by Yassine k
In retrospect I had a very bad experience with Mr. Lake and I deeply regret hiring him. He was either not honest or not a good attorney, either case, best to avoid him.
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14 May, 2024 by Joe k
Chris Lake is not a good attorney in my opinion. He has mentioned his own mother's divorce multiple times and it shows... he clearly supports the mother in divorce cases even if he is representing the father. This happened to me and many other fathers who were represented by Mr. Lake. He is also incapable of taking any criticism or negative feedback in a constructive way and will just try to blame it on you or someone else. Instead of doing what you want he does what he thinks is best. He also stated negstive things against me in court as a way to make me seem humble and that ended up backfiring. Chris of course blamed it on the judge. He needs to realize many many families have now been adversely affected by his interference. You will be remembered Mr. Lake as a unprofessional and incompetent attorney and an unethical person.
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09 Mar, 2024 by Swapna k
Wilson Lake Savage Law firm, led by Mr. Tracey Gajak, Ms. Anita Savage, and Ms. Hailey Merz, provided exceptional legal representation in my recent divorce case. Their professionalism, empathy, and expertise immediately put me at ease. They prioritized my well-being, combining legal acumen with genuine compassion to tailor a personalized legal strategy. Their responsiveness and accessibility ensured I felt supported and informed throughout the process. Their mastery of divorce law, attention to detail, and creative solutions not only resulted in the most favorable outcome that far exceeded my expectations, but also instrumental in quick closure of my case. I am honored to recommend them to anyone in need of divorce representation.
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13 Dec, 2024 by Blue eyeas
This office is amazing. They worked so hard to get everything I needed for my case and still working to guide me through the next steps. This office helped me get approved after being denied 3 times. Give them a chance because they will work hard for you.
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03 Dec, 2024 by Yaneli lara
Muy bien Gracias por todo muy buenos abogados
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13 Nov, 2024 by Elvis pryor
They are absolutely amazing!!!
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10 May, 2021 by Dorian
Would give ZERO stars If I could. Communication was atrocious. Lauren failed to follow through with our executed agreement, missed court deadlines, failed to file paperwork in a timely manner and failed to make court appearances. Her actions led to the dismissal of my case before my day in court. Now it's too late. Find a responsible attorney, instead.
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17 Mar, 2020 by Anonymous
I've had a few attorneys before. Lauren started off pretty well. She told me everything I wanted to hear to get my case the basically disappeared. She has missed court dates, failed to file court documents in a timely manner, missed appointments, and has poor communication in general. I would not recommend her services to anyone.
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27 Aug, 2024 by Anonymous
Shawn Jaffer and there attorneys are not litigation lawyers to represent you in credit bureau lawsuits. They do not represent you to the best of there ability or represent you in your best interest. I wasted 31/2 years of disputes and cfpb complaints in 8 months hiring These incompetent lawyers since January 2024. They file motions to withdraw from your case or motions to dismiss your case
with excuses. They don't always take your phone calls. In my opinion These attorneys don't work for you to win, there against you. Think twice before you hire this firm. Speak to many different lawyers first before jumping in with this firm..you may end up botching your case up using I say this lightly, don't waste your time, there not skilled enough in the fcra litigation business. You can decide..when they lose or dismiss your case.
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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.
