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10 Oct, 2024 by Josh vetter
Kian and Nancy were professional and personable through our entire legal process. We knew we were in good hands from the moment we spoke with Kian over the phone for a consultation. No matter your previous experience dealing with legal troubles, I can not reccomend SM Law Group enough.
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09 Sep, 2024 by Rosalie green
Kian and Nancy were great very professional and I can’t thank them enough.They were so organized and on point with the whole process of our case.They deserve 10 stars !! I highly recommend them to anyone who needs an attorney in law !
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09 Sep, 2024 by Edith calara
I recently worked with Kian during a challenging bankruptcy process, and I cannot recommend them highly enough. Kian’s expertise and guidance were invaluable throughout every step. They were not only knowledgeable but also incredibly patient and empathetic, making a difficult situation much more manageable. Kian's clear explanations and prompt responses provided reassurance and clarity, and their professionalism truly made a difference. If you're facing a similar situation, Kian is the person you want on your side.
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16 Aug, 2024 by Jeffery
We got a referral for Rabin for our chapter 7 bankruptcy. His team worked with the complications of income and assets, and the entire process was very smooth and easy. We had a technical glitch which forced our online 341 meeting to be rescheduled, not their fault, and it only caused a short delay. They answered our questions and were attentive, we never felt like we weren't important to them.
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18 Apr, 2024 by Anthony
My wife and I filed Chapter 7 in january 2024 with Rabin, we both used him before individually so, and it only made since to reach out to him again jointly. I did not remember how things went the first time around, I just remember it being a positive overall. He and his team got things done very quickly and professionally. We were very unsure the the process and had many questions and concerns. He and his team graciously walked us through the process addressed all of our concerns and answered all of our questions extensively. WE are very happy with outcome and will always recommend him. Thank You Again
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09 Apr, 2024 by Juliette
Rabin helped me soooo much! He was so helpful and confident through this whole process which made me feel very comfortable and confident. 100% recommend working with Rabin.
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13 Mar, 2020 by Devon
I worked with Price Law Group through my Bankruptcy and From the moment I had my initial call in I was impressed with their customer service. They answered in a friendly manner and didn't sound angry or bothered with me like some other places I called. Unsure and having never been through a process like this they eased my concerns by first listening to my situation completely. I was frequently cut off and not allowed to explain the full scope of my situation when I spoke with other law firms. They first listened then they explained how they may be able to help me. They broke down the Bankruptcy process and how long it would take and how much it would cost. They even worked with me and allowed me to do a partial downpayment. The thing that impressed me most is the responsiveness when I have a question or concern. I would email Scott and have a response back literally within minutes addressing all my concerns in the email. Their prompt response time made me feel as if somebody was ALWAYS working for me and not as if I was a second thought. The bankruptcy process is quite daunting and can seem overwhelming, however with the attentiveness and constant communication from Price Law, the process was easy and pain free. I would recommend them to be your 1st call and only call. After my review, I happened to check out the other reviews for this company just to make sure my experience wasn’t a fluke. They have tons more reviews that profess to their outstanding service. This company is the real deal and their consistent customer experience seem to indicate that My situation was not an anomaly. Businesses that focus on consistently exceptional customer like PLG should be rewarded by the public by being our number one choice!
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23 Oct, 2015 by Jimmy
We used Rabin to do our Chapter 13 bankruptcy. He and his fellow attorneys were competent and helpful as we navigated the tedious and confusing process. We highly recommend.
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22 Oct, 2015 by Sean
Price Law Group and especially Rabin was very helpful with knowledgable counsel and overall wisdom in life. Rabin always took my calls and made time ensuring I understood the decisions in front of me. I never felt like I had no options and I would highly recommend Price Law if you find yourself facing the possibility of a Bankruptcy.
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05 Nov, 2020 by Tim
Very helpful and knowledgeable regarding tenants rights during COVID 19. I am looking forward to retaining his services.
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19 Dec, 2013 by Sherry
After a long, exhaustive search which sorely tested any faith I had left in the legal system (and profession), I was blessed to connect with Robert Vosburg. He truly is something I thought I'd never encounter: An empathetic attorney. One who patiently listened to my overwrought tale and then did his utmost to calm me down and let me know that everything would be ok, in the end. And it was, because of him. He is smart, energetic, caring, has a hell of an interesting background...and really knows his stuff. Plus, he does his best to work within your financial means. So — need an attorney? I highly recommend Robert Vosburg. In my book, he's the best.
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07 Mar, 2013 by Rafayel
I hired Mr. Vosburg to evict a tenant in one of my residential apartment buildings. He was professional and personable and got the result I needed very quickly. He kept me in the loop and I always knew what was happening and when. I will use him again and I highly recommend him to others.
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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

  1. 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.
  2. 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.
  3. 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.
  4. How long will the debt settlement process take?
    Get an estimated timeline for negotiations and resolution.
  5. Will you handle communications with all my creditors?
    Clarify whether the lawyer will negotiate with all your creditors or only specific ones.
  6. What happens if a creditor refuses to settle?
    Discuss alternative strategies if a creditor is uncooperative.
  7. How will debt settlement affect my credit score?
    Understand the potential impact on your credit and how to rebuild it afterward.
  8. 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.

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