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05 Oct, 2018 by Pinky
Sharif is excellent! He is strong in his legal knowledge, knows the court system, great negotiator, and went out of his way to help me in my case. His help was beyond the call of duty as an attorney and I am a fan for life. I cannot discuss the details due to confidentiality, but Sharif showed me he genuily cares for his clients and takes a personal interest in his cases. I highly recommend him and would hire him again if needed!
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28 Feb, 2018 by Olga decicco
I've had several experiences with different attorneys that are really hard to reach, Mr. Masri is always available, fully committed and always provides good advice and results. Every time I called him I got an immediate response, or a call back in a very timely matter. I highly recommend him and will definitely work with his firm again.
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31 Jan, 2018 by Carol
I will begin by saying that in a time of need of a lawyer Sharif came highly recommended through a friend of mine who is also a lawyer, they had been in law school together and he said Sharif was by far the most brilliant and kind of all his peers,which speaks volumes. I contacted him and he was easy to talk to and approachable. He went above and beyond and even went out of his way to meet me at the time and place of my convenience. I felt at ease immediately and he was empathetic to my situation and needs . I had to leave the country during the process but he still was handling things for me and easy to contact and replied promptly. He is truly a great lawyer but if you’re the Client he is not a shark with you he is your Allie and you never feel cheated or lied to, how often can you say that about a lawyer! He also was fair in pricing/fee , again a simply good man and great lawyer ! It took me 15 years to finally achieve my freedom (divorce that never was finished) true godsend for me. What seemed all these years difficult and complicated due to circumstances he made uncomplicated. I’d hire him again if I need a lawyer and I definitely recommend him to everyone!
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26 Nov, 2023 by Morgan coffey
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25 Dec, 2019 by Chris lynch
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22 May, 2017 by G ch
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03 Dec, 2012 by Roger
Mr. Russo represented me in a contract dispute. The seller of a car failed to complete the transaction by providing appropriate documentation so that I could register the vehicle in my home state. Mr. Russo was able to resolve this in less than three weeks to my full satisfaction. He kept me fully informed along the way and did everything he said he would do. He gets results!
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08 Nov, 2012 by Judy
After a horrible experience with a contractor, Mr. Russo advised me how I needed to proceed. Although my contract restricted me from going to court, Mr Russo still helped me get through the ordeal. His knowledge of the contract was very helpful in telling me what I could negotiate and what I should expect. After eight months, I am satisfied with the resolution and I appreciate all of Mr. Russo's advice.
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29 Oct, 2012 by Cary
Mr. Russo helped our son with a negligence complaint against a service company that damaged his car. With Mr. Russo's assistance, our son was able to get the compensation that he deserved.
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08 Jan, 2016 by Sheryl
I initially wanted to talk to Wade about my business and then realized how thoroughly knowledgeable he is in estate planning, VA planning, probate, wills and trusts and all the things I really need moving forward. I feel like I've found my attorney for life. And I love that even though his name is on the door, I can talk to him whenever I need him. Great attorney. Great human being.
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14 Jan, 2014 by Floyd f
Since Relocating to this country 9 years ago I have retained Mr Boyette services on a few occasions ranging from estate planning, Asset Protection, Real estate transactions to business civil lawsuit. In all my dealings with him and the firm BCN I have found them to be very proffesional accurate within the law, aggressive advocating on my behalf and reasonable with fees, Operating with a Christian emphasis.. Would I recommend this Law firm ? Most definitely ..
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12 Nov, 2013 by Wayne
Wade Boyette was awesome. I was nervous about seeing a lawyer but he made me feel comfortable and at the end of it all he helped me recieve more than I could have hoped for. I highly recomend this man.
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09 May, 2018 by Michael
All I can say is thanks a lot. He and his team did a great job on my case was able to get everything to my satisfaction, will definitely use him again if need to in the future....
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17 Oct, 2017 by Alex
Mr. Steven Joseph Thompson and his team of attorneys are outstanding and clearly some of the best in the field of Corporate Law, based on our experience with him and his staff. Throughout the course of our consultations, I came to know Mr. Thompson as an extremely knowledgeable and experienced attorney. His approach was realistic coupled with optimism. We were given the entire, bigger picture, before focusing on the specifics of our case, which gave us a sound understanding and confidence in Mr. Thompson's ability to pursue our case. I appreciate their office for being approachable, extremely professional and pushing relentlessly for the success of our filing. Personally, I do not feel we could be in better hands, can’t thank them enough. Highly recommended!
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27 Jan, 2017 by Dominique
Steve handled a personal injury case for me. He was very attentive to my needs and always kept me informed. I did not have to track him down to get answers. He worked hard on my case and was accommodating. I highly recommend Steve.
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19 Apr, 2022 by Louis
I have utilized Marshall's services and am in the process of working with him now. He is an excellent attorney.
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27 Nov, 2018 by Anonymous
Marshall Reissman assisted me iwith a debt settlement. He was professional, prompt, efficient and also courteous and kind. In addition, he answered questions and returned phone calls promptly. I highly recommend this attorney for anyone in a similar situation.
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27 Mar, 2012 by Davis
I filed for chapter 7 bankruptcy with Mr. Reissman. He explained everything very well and kept me informed of my case. Mr. Reissman provided me with assistance I needed during one of the most stressful times of my life. I would highly recommend Mr. Reissman if you are considering bankruptcy.
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27 Aug, 2015 by Anonymous
My Attorney, Steven is a gem....extremely knowledgeable, professional and has compassion. I used him to correct an error on a five year old Bankruptcy. I was worried it would never be corrected but Steven got the job done! He spent the necessary time with me, LISTENED and provided the necessary solution to correct the issue. I strongly recommend him!
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27 Aug, 2015 by Nf
Steve was my attorney during a very difficult period of my life. He was very professional, caring and took the time to answer my every question. Steve returned every call and responded to my emails.
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24 Aug, 2015 by Lia
I am honored to be writing this recommendation, having been able to be helped by Steve, I can honestly say he works with the highest level of integrity, as well representation with the utmost attentiveness. If you ever have the privilege of having this attorney & firm represent you, know you're going to be in the best hands possible. Steve has demonstrated that whatever line of work you do, one can always help make a favorable difference in other peoples lives
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31 Mar, 2020 by Shellu
Melanie goes above and beyond for her clients. She actually joined a firm I was already working with in regards to my case. She actually took over my case and was there for me every step of the way. Her response time to my emails and phone calls were amazing. I stayed stress about my case and she was there to help me and put me at ease. I hated to see her go but am excited to see her continued success. She is definitely on my speed dial if I need her for anything in a civil matter. Thank you!
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14 Nov, 2019 by Michael
Mrs. Trogolo was my public defender in a case where my son and I had a major incident. As i have read on here, she listened to me also, was compassionate and set me at ease, the best I could be in the situation. I am a registered nurse (at the time I was in a fix financially) and this could have ruined my career, but thanks to her it was saved. Mrs. Trogolo, I hope you read these, my case was February 5, 2017 and I have yet to forget who was there for me. I wish there was a way to repay you for what you did. if that is even possible. Thank you. MJK
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16 May, 2019 by Christine
Ms. Trogolo met with us quickly, and worked diligently to get my matter resolved in court on my behalf. She kept me apprised every step of the way, and her competence left me with no concerns regarding her ability to handle my case. I will definitely use her services in the future for any legal matters I have.
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12 Aug, 2020 by Shara
Andrew was very diligent and assisted my client in resolving their probate case quickly and efficiently, preventing a foreclosure. So thankful to have found him, and highly recommend.
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13 Apr, 2018 by Anonymous
Excellent attorney great work ethic . Prompt and very caring to my needs. I would hire him again .
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15 Mar, 2018 by Anonymous
Andrew Ponnack is very knowledgeable and extremely caring attorney! His secretary Aviva is truly amazing... They both are there for you and deliver! Thank you both for all your hard work and effort during a trying time! JC
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20 Apr, 2020 by Anonymous
Dan is currently working on my case of a foreclosure. His service has been excellent so far. I live in another city but he has kept me updated on all aspects of my case. Watching him defending my case was a joy to see. He is well prepared and seems to get the job done. Happy I chose him.
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11 Jun, 2019 by Gloria
Daniel Bialczak, Esq. IS an excellent Attorney! He handled everything from A to Z for me. Every time I spoke to him he had great news and accomplish a lot. His expertise and negotiating skills have surpassed any attorney I’ve ever worked with. He is amazing. Seriously, if you need an attorney, hire Daniel Bialczak, Esq.. The law offices of Korte and Associates are exceptional. You cannot ask for a better law firm!! BRIAN KORTE AND DANIEL BIALCZAK ESQ. ARE THE BEST! And Tammie Thank you guys so much for representing me!
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25 Mar, 2019 by Sean
I had the pleasure of working with Dan for several incidents: The first was with our landlord who was being unresponsive on our 8+ service requests that had not been responded to for over 2 months. Dan offered advice on the best way to get both the landlord and management company to respond and it worked really well! We had people fixing up our rental house within 48 hours! The second time was when we wanted to end our lease early. Again, Dan offered advice on the best way to go about this and we were able to satisfactorily end our lease without extra charges. The third time was when we needed to get our deposit back from our rental company. Dan advised how to approach the landlord and management company and we were able to recover our entire deposit! Dan's positive, can-do attitude made him a pleasure to work with and helped get us results. Thank you sir!
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06 Nov, 2015 by Shannon
Mr. Davis handled my case quickly when I was injured at a local retail store. He was able settle favorable for me and my family. He's easy to work with and fought hard for me. THANK YOU!
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24 Sep, 2015 by Charlie alden
Todd Davis has a background in business and in working for the federal judiciary. As such, he has a unique perspective on business litigation matters, having been on both sides of the bench. Todd gets great results for his clients and I would recommend him without hesitation.
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07 May, 2014 by Preston
Todd did a great job in keeping me informed through the entire process. If I had questions he was very quick to respond, and help me understand each step that was being taken in my case. Got the job done quickly and efficiently, and never made a decision in my case without first consulting me about it. Highly Recommend!!
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31 Mar, 2015 by Jessica
We recently needed, for the first time, the assistance of an attorney. Not knowing the industry, I called several offices before having the pleasure of speaking with Nicole. She immediately made me feel at ease and actively listened our situation. She was very professional, friendly and knowledgeable. She handled our case quickly with the utmost professionalism and kept us informed every step of the way. I would most definitely recommend Nicole and her firm to anyone needing their services.
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06 Mar, 2014 by Melissa
We have worked with Nicole & Doug for many, many years and have never had a problem. We use them for non payment of services from businesses. They remit client payments in a timely fashion, send updates monthly with details of each case not just a generic status update. They work to resolve the case in our best interest. They are easily contacted either through phone, fax or email and are always friendly and courteous.
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01 Mar, 2014 by Anonymous
My case was handled with care and professionalism. My calls were returned in a timely fashion. Even with a complicated case and an unreasonable composing counsel, she kept focus and handled all motions immediately
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01 Jun, 2015 by Trb
I searched online for a lawyer to help with my security clearance and debt issues and found the Perry Draper Law firm. Jason Perry, Esq. didn't hesitate to call me back and answer all of my questions. I was comfortable with letting him taking my case. His professionalism and diligence in resolving my case was superior. I would recommend this firm for anyone seeking a reputable law firm to handle their security clearance and debt issues.
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25 Mar, 2013 by A.o.
He is very honest and professional, he helped me in my TS clearance case, and if it was not for him, I will not be able to keep my job. He was always available to respond to my questions and I recommended three of my friends to work with him.
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01 Jun, 2012 by Christen
Jason is a wonderful Attorney. He is very helpful and Knowledgeable. He was always on top of what ever i needed from him. I would recommend him to anyone. If I ever have anymore legal issues Iwill be hiring him.
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15 Mar, 2022 by Nola
After months of trying to negotiate with my creditor- who refused to budge on their demands-they had added on $2,700 to the original debt for late fees. I could not pay what they were asking- if I could, I would have paid it to begin with. They finally filed to take me to court. I tried to mediate, but they refused and said they would seek judgement. I was in tears. I had just so happened to receive a letter from Bryan the day before offering his service. Something told me to contact Bryan. I am so thankful I did. Brian and his Mom were so helpful in explaining everything and listening to my problem. For a VERY reasonable fee Bryan got the collector to completely dismiss the debt. I owed nothing! And they agreed to remove it from my credit report too! God was watching out for me when he sent me to Bryan. Such a nice, honest man willing to listen and help. I would not recommend any other lawyer.
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19 Aug, 2015 by Brian
He gave excellent advice for us and he Is a great attorney if you need a good attorney please choose him
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29 Jul, 2015 by Terrie
Attorney Dangler exceeded my expectations. After both consulting with another firm and failing to take care of my debt lawsuit on my own, Mr. Dangler was able to have the case dismissed and I didn't have to pay anything to the debt collector. Attorney Dangler maintained constant contact with me during the duration of my case, even going so far as to give me a congratulatory phone call when my son was accepted into college. He was very knowledge, blunt in in terms of which solutions were realistic, and guided me through the steps he took during the case in an effort to further educate me on the issues. Should I need any help or advice when it comes to anything relating to debt, whether or not I absolutely need an attorney, I will be sure to contact Mr. Dangler to at least gain his insight into my options.
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11 Apr, 2015 by Anonymous
My husband and I consulted with Ms. Pucylowski about a particular legal matter. She was very knowledgeable, answered all our questions, and went above and beyond a typical free consultation. When the time comes, Ms. Pucylowski will definitely be representing us on this matter.
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15 Oct, 2013 by Allen
At first glance, you would think Ms. Fallat-Pucylowski is too young to be practicing law, then you are quick to see has been a member of the Florida Bar for 16 years. She was a 22 year old Assistant State Attorney, a Assistant Public Defender in 2 Districts, Assistant Attorney General (then assigned to their Anti-Trust Division), and worked at the world renowned Keller Rohrback L.L.P firm, and personally in charge of the Exxon Valdez Oil Spill complex litigation. I went to her because of her resume. She handled my family law matters. She will be my personal Attorney for life!
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09 Apr, 2013 by Dallen
Smartest Human I ever come across. Anybody you has the chance to have her represent you will be amazed. She was a 22yo Assistant State Attorney, has worked for the Florida Attorney General, as an Assistant Public Defender and has worked for some of biggest law firms in the country on cases that made headlines. Very grateful she was in Brevard when I needed her.
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24 Nov, 2012 by Anonymous
He is the best attorney that I have ever seen.he is very knowledgable in different fields.he def deserves any fees he charges.
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02 Dec, 2009 by Beth
I've used Omar for a couple of things and been very happy with his service. He's great about communicating, which not all lawyers are. His fees are reasonable, given the cost of legal issues these days. He gives things to you straight, but lets you make your own decision after laying out all the facts. I like his common sense approach. His ego doesn't get in the way. I like his ethics. I like his honesty. I've recommended him to my friends. He's got a grasp of what ordinary people are up against, instead of being insulated from the real world.
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06 Jul, 2009 by Anonymous
I would highly reccomend Mr. Farooq. He is very competent in every area he practices in and always kept me informed as to what was happening in my case.
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22 Jun, 2020 by Anthony hall
Mrs. Hall is thorough and professional. She is experienced in immigration law with a great knowledge base. She assisted me with obtaining with obtaining my green card. I would recommend her nay day for you legal needs.
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07 Jun, 2020 by Hannah
I contacted Attorney Hall to remove the conditions on my husband’s green card. Her price was reasonable and she allowed us to make payments for her help. She’s thorough and is very good with communicating. I highly recommend her for all your immigration needs.
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15 Jul, 2015 by Sasha
My law firm was located down the hall from Brooke Panagakos for several years. In that time, I've had the pleasure of referring numerous cases to her for bankruptcy. In addition to having experience, she brings unmatched work ethic and uncompromising integrity to the table. I highly recommend Brooke Panagakos, Esq.
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20 Sep, 2013 by Anonymous
Brooke is not only an outstanding attorney who always attains the best results for her clients, but she also is excellent in communicating with other attorneys and the courts.
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04 Aug, 2013 by Anonymous
Janet Represented me on several occasions. She was referred by a friend who had used her for her divorce. She helped me prove a change of circumstances and my alimony was eliminated with a short term minimal payment. She was thorough and creative in her approach. I used her again to review and negotiate a contract for me as well as to assist me with several minor matters that other attorneys I knew thought were too minor for their attention. Janet gave all of them the same level of attention whether she was being paid a couple of hundred dollars or several thousand.
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14 Jul, 2013 by Laila
I have retained Ms. Shepherd several times in the last few years. She was wonderful, caring, responsive, knowledgeable and superb in handling my case. I trust her and would not hesitate to retain her again in the future or to recommend her services to others.
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27 Nov, 2016 by Cynthia
I give kudo's to such a fine Attorney as Ms. Moscato. She is grounded and truly committed to taking care of all your need and at the same time making sure you understand every legal avenue you can take. Ms. Moscato made every step of my legal problems go smoothly and stress free. Sincerely Thankful that I used The Law office of Allison Moscato
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24 Jun, 2013 by Peter
Miss Moscato was very knowledgeable in her field. And even though I know that she had dozens more cases that she was working on, she always took the time to answer my many questions in a timely manner. And she always managed to make me feel like I was her top priority at that time. It's very rear today to find an attorney who takes the time to work with you one on one.
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12 Oct, 2017 by Pat
Tom has helped me several times. He helped me file for disability & I was approved first attempt. I received my first check 3 months after I filed. He has helped me with bad landlords. He even was able to get my dogs back 2 days after I was going to sell them as I have mental issues and was so sad feeling I let my dogs go. Tom is a wonderful man who truly cares about his clients and employees. I also had the privalge of working for him and he was the best boss I've ever had. Cant say enough how great Tom is and he's a awesome attorney.
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24 Feb, 2015 by David
I have worked with Tom Avrutis for 25 years. He is an exceptional lawyer and person. Always prompt, knowledgeable and professional. I highly recommend him for collections work.
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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 Aug, 2020 by Anonymous
Resolved my case very quickly, worked hard to research defenses and provided many to settle the case. From the initial phone call details were explained thoroughly, about the case and fees. They had the upmost confidence that my case could be settled with no damage to myself, and they delivered completely. I would highly recommend seeking out counsel here. If I ever need to have legal representation again I will seek Mr. Dickerson and his group’s help first.
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30 Nov, 2017 by Craig
The Heritage Law Group is my version of the Legal Dream Team!! Mr. Dickerson and his team were extraordinarily hard-working and diligent about my case. As his clients, I felt very important and knew I was in great hands. Thank you, Mr. Dickerson, for a job well done!!!
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02 Mar, 2017 by Anonymous
Bryan Manno and Federated Law Group helped me out of a bad situation. They were always courteous and kind even though the situation was stressful. I would definitely do business with Federated Law again.
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01 Mar, 2017 by Matthew yon
Bryan is extremely knowledgeable about the debt collection process and the legal proceedings involved in debt collection. He is easy to work with, but a tough litigator when he needs to be.
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24 Jul, 2019 by Anonymous
Kim Torres came highly recommended to me. She is well respected in the legal community for good reason. Not only did she make efficient use of our time, she also offered realistic, no-nonsense guidance. She handled our case with compassion and professionalism. No negotiated outcome is ideal, but mediator Kim Torres is probably your best chance of settling out of court and getting on with your life.
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08 Apr, 2009 by Anonymous
Kim was very knowledgeable and put me at ease with my process of the whole divorce. Her responsive time is excellent especially through email since I work all the time. I would definately recommend her and use her services again.
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26 Mar, 2016 by Melissa
Without Anthony my experience during my closing would have been disastrous. He was not only professional but extremely efficient- truly "on point". His guidance helped me keep my sanity. He has his client's back and without a doubt is worth every penny! With this said, a great quality and trustworthy lawyer is hard to come by and you've found it with Bauza Law.
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09 Aug, 2011 by Susan
No one really wants to go through bankruptcy but if you have to, or think you do, I highly recommend Debra Quinn. I was very resistant to the idea at first but she made me realize that bankruptcy was not a shameful thing but a legal tool that would help me get back on my financial 'feet' and have a better future. I initially just couldn't imagine how it would work out for me. Ms. Quinn was sensitive to my feelings about my financial situation and after meeting with her I began to feel hopeful. She reviewed the pertinent factors in my case and even with some challenging points, was able to work her way through them, with lasting benefit to me. Ms. Quinn went out of her way to answer my (many) questions and keep me informed about the process every step of the way. Ms. Quinn displays sensitivity and respect for her clients and conveys the message that anyone can find themselves in need of her services. If you choose Ms. Quinn to guide you through the bankruptcy process, you will not be disappointed. Ms. Quinn successfully handled my case to a positive conclusion and in the process, made me feel better about myself and my future. Thanks Debra!
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31 Jan, 2023 by Shanon
Jeff Eannarino is an absolute pleasure to work with, he is a true dedicated attorney and gets the job done! He handled my real-estate issues that I was turned away from by others who doubted themselvesto win. I was blessed to have been referred to Jeff. He works diligently to win and most importantly he cares!
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21 Aug, 2015 by Celestino
Jose has represented me for over a year now in a case against a tenant who damaged my property, and all I can say is that I am very thankful he is in my corner. Very professional, knowledgeable, hard working, and he is also an excellent human being. Highly recommended.
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29 Jul, 2016 by Chris
Michael and his staff never estimated their ability to handle this case from day one for me. This is a complicated case dealing with a parents house in a pending 7 year foreclosure case. After much research on his background and reading several of his motions and affirmative defense stradgies in similar type cases I chose him. This a well seasoned team with excellent service skills in all aspects of their office. I highly recommend this team.
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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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