Best Debt Settlement lawyers in Georgia

55 Debt Settlement Lawyers in Georgia

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Holly Cohen McMurray

848 Hiram Acworth Hwy, Hiram, GA

Bankruptcy Debt Settlement Probate +1 +4

5.0/5

5.0

1 Reviews

5.0

5 Reviews

26 Mar, 2024 by Derrick womble

Morrison &Hughes really helped me out after my auto accident and handled all issues with care and I will definitely recommend their services to others

26 Mar, 2024 by Aaron arnold ii

I highly recommend Morrison and Hughes Law for their exceptional legal expertise and dedication. Their team of attorneys is not only highly knowledgeable but also incredibly compassionate, providing personalized attention to each case. Their professionalism and commitment to achieving the best outcomes for me make them stand out in the legal field. I wouldn’t hesitate to entrust them with any legal matter I have in the future. Beth Haggard was also excellent and kept me well informed with the progress of my case. Thank you all for everything.

22 Dec, 2021 by Chosen few

(John Myrick) I received great information from this law firm they are great at helping people I will differently refer them.

William Ralph Carlisle

P.O. Box A, Winder, GA

Appeals Business Consumer Protection +3 +6

5.0/5

5.0

20 Reviews

14 Apr, 2022 by K.thomas

I've been represented twice now by Luke & Carlisle Law Firm. Both occasions related to a negative period of my life in which Luke has been there to tackle both issues resulting in both suits being dismissed. If you're ever in need of representation, please don't hesitate to give Luke & Carlisle Law Firm a call.

27 May, 2021 by Tresmen

Luke has now successfully helped myself and my wife with two separate debt cases. He is definitely a family favorite. There were 0 issues with the case and just an excellent experience overall. I would recommend him to anyone in a similar situation as my wife and I were in. Thank you Luke Bolden.

02 Feb, 2021 by Christopher

I really did not know what to expect when I hired him but I am quite pleased. He got the facts of my case and with his online portal, I was able to follow as my case progressed through the system. Although, I did not contact him often, he always answered my email promptly and professionally. As I told him today, I hope I would never have to hire him again because of the type of law he practices but would not hesitate to do so if I found myself in need of his services.

Susan Schmeidler Blum

1854 Independence Square, Atlanta, GA

Bankruptcy Debt Settlement Foreclosure +3

+1 (678) 820-6858

5.0/5

5.0

20 Reviews

06 May, 2024 by Gary

My family came to Susan in dire straits after having the misfortune of dealing with an “in it for the money” type of lawyer. The experience with Susan has been the complete opposite. She instructed us on how to get back on track and has guided us through each part of the process. She answers all questions and is thorough in her own regard. True professional in every sense of the word

29 Feb, 2024 by Ambrose

I was hit with a garnishment that was taking a third of my take home pay. I found Susan’s firm on line and the rest is history. She covered the steps, time table and cost up front and kept me on track with what I needed to do. She even got my garnished funds returned. I couldn’t be happier.

28 Feb, 2024 by Anonymous

Susan helped us file for bankruptcy and was very attentive and professional through the whole process. She helped us navigate the difficult task of filing and helped us understand all of the requirements and requests throughout the whole process. Highly recommend!

Quentin Ray Carr

113 Grant St., Clarkesville, GA

Bankruptcy Business Debt Settlement +4 +7

5.0/5

5.0

20 Reviews

05 Jan, 2023 by Anonymous

Handled my bankruptcy case. was very pleased and satisfied with Quentin's attention to my case. He covered all my questions and then some leaving me feeling less embarrassed and more confident that my case was not just another deadbeat filing for relief. I will definitely use his firm again should i need other legal assistance. Thanks Quentin, you made a bad time in my life a little less humiliating.

04 Feb, 2022 by Anonymous

I searched online for a good lawyer to represent me in my area and I found that Quentin Carr has the most positive reviews. I hired him and he made the bankruptcy process easy and answered all of my questions and concerns. I definitely recommend him and will hire him again for future legal matters.

29 Sep, 2021 by Anonymous

Mr. Carr answered all of my questions honestly and professionally. He walked me through the entire process using clear terms and directions. I am very thankful for his service and professionalism in helping me to file and resolve my case.

Debra B Dutton

409 Airport Rd., Griffin, GA

Bankruptcy Debt Settlement Estate Planning +1 +4

5.0/5

5.0

20 Reviews

22 Aug, 2023 by Tabetha

Debbie sat dow.man with us and made us truly feel welcome. We did not feel intimidated or less than while delving through our most private financial situations. We have a plan in place and feel truly confident with it. She is definitely a Godsend!!!!!

17 Dec, 2021 by Trish

Mrs. Dutton was very helpful with the legal questions I had. She was compassionate & knowledgeable about probate issues. Also knowledgeable about the other issues that I am dealing with & gave good legal advice on how to handle those. I will definitely hire or consult with her, again, if/when needed.

26 Oct, 2021 by Karen

A year later and Mrs. Debra is still working just as hard as day one for us. She is the most caring, honest, and loyal attorney I’ve ever met. Her staff knows exactly what’s going on and can answer a lot even in Mrs. Debras absence. We are so blessed God pointed us in her direction. She has helped us in so many ways that we can never truly repay her. THANK YOU!! We recommend her to everyone.

Sabrina A. Parker

303 Perimeter Center North, Atlanta, GA

Debt Settlement Family Law +2

5.0/5

5.0

20 Reviews

22 Apr, 2024 by Ann

Ms Parker was very professional and caring she provided excellent advice and consultation I would definitely recommend this law firm to anyone who needs legal assistance and consulting

01 Mar, 2022 by Leslie

Very responsive and direct. Sabrina was able to provide guidance and work with courts to finalize a nasty divorce in record time. I highly recommend this firm if you want thorough, honest and timely service.

07 Mar, 2021 by Shannon

She assisted with a super speeder ticket for my son. Incredibly responsive, organized, thorough, helpful, and supportive throughout the entire process. Extremely grateful and appreciative of all her assistance!

Louis Lytone McLendon

5950 Live Oak Parkway Suite 140, Norcross, GA

Bankruptcy Debt Settlement Estate Planning +1 +4

5.0/5

5.0

20 Reviews

25 Feb, 2022 by Ayana

Attorney McLendon was a pleasure to work with for my court case. He is professional, timely and puts in the extra effort to get the required task completed. My court case was a long process but he made it flow smoothly with his professional performance!

27 Jan, 2022 by Anonymous

I received a traffic ticket worth fighting in late 2019 in DeKalb County. I wasn't aware how difficult a ticket would be to fight in DeKalb traffic court, so I got in touch with Louis after getting nervous after the arraignment hearing. Louis was extremely knowledgeable about the DeKalb Traffic Court, and he helped me navigate the entire virtual court process (that took over 3 YEARS because of COVID-19 delays). I am so grateful Louis was able to help me avoid points on my record, save my NOLO and reduce my ticket to a points violation. In my virtual pre-trial zoom call, he was incredibly professional and prepped me on what to expect with the proceedings. I couldn't recommend him enough to anyone struggling to fight a ticket! Thank you Louis for finally helping me settle this headache.

09 Dec, 2021 by Kelsea

Mr. McLendon is a patient and eloquent attorney who is well-informed and very capable in his expertise. He explains things for very clearly and makes sure you are informed every step of the way as well. I felt totally at ease with him handling my mom’s traffic incident. He even was on the phone with my mom to walk her through the process of paying her fine when all was said and done. I so appreciate him for that. I will gladly retain his services when needed again and recommend him highly!

John William Nelson

2180 Satellite Blvd, Duluth, GA

Business Consumer Protection Debt Settlement +2 +5

5.0/5

5.0

14 Reviews

07 Jun, 2019 by Pam

This was my first time having to hire an attorney and I honestly believe John Nelson is a gift from God. I have had to use him on two occasions and he also represented a relative another case. ALL of those cases came out in our favor. He truly works tirelessly for the little guy. Plus, he's genuinely a nice guy. If you need an attorney, please don't hesitate to hire John Nelson, you won't regret it!

09 Apr, 2018 by Monica s.

We hired him to help us with a lawsuit from a credit card company that turned out to not be valid. John Nelson is knowledgeable about exactly what our rights were and he knew how to handle it. He is great to work with as well. If you find yourself in a similar situation, I highly recommend that you hire him to help you!

09 Sep, 2017 by Anonymous

John has been helping me for serveral cases with different firms and he has always been on top of it and very thorough! And we won and settled all cases he represented. I would definitely send all referrals to his firm.

Jason Allen Cummock

PO Box 465102, Lawrenceville, GA

Business Criminal Defense Debt Settlement +2 +5

5.0/5

5.0

7 Reviews

20 Dec, 2019 by Vincent

Jason is very astute and personable, he is not too busy to treat everyone with his full attention. He is knowledgeable with current law and it wouldn't surprise me at all if he advances himself even further. He was the right choice for me and will gladly reccomend him to others .. thanks Jason!

27 Jun, 2019 by Kara

I just had a consultation and am not sure if I will proceed with a lawsuit, but his was the most helpful and compassionate advice of any attorneys with whom I have spoken. I would hire him.

18 Jun, 2019 by Dave

Mr. Cummock is a very good attorney he has always taken the time to respond back to my questions. I am dealing with him for my son and he has helped me as if he was representing me. I highly recommend him.

Shelba Dawn Sellers

Po Box 1157, Thomasville, GA

Bankruptcy Business Consumer Protection +7 +10

5.0/5

5.0

7 Reviews

15 Oct, 2019 by Mona

Shelba assisted me during one of the worst periods of my life whereas I was in a financial catastrophe with a failing marriage and baby on the way. Most people think that bankruptcy is the end of the world, but Shelba helped me with a new beginning.

02 Sep, 2019 by Anonymous

Shelba has been my attorney for the since 2011. She has gotten me through financial issues, and later being my attorney for purchasing our new home. She is very efficient and thorough. Wouldn't use anyone else!

01 Aug, 2019 by Vitoria

MS. SELLERS IMPRESSED ME WITH HER GRACEFUL ATTITUDE AND HER DESIRE TO HELP AND GUIDE ME. A GOOD DECISION THAT I MADE IN RELATION TO A LAWYER.

Kris K. Skaar

133 Mirramont Lake Drive, Woodstock, GA

Consumer Protection Credit Repair Debt Collection +1 +4

5.0/5

5.0

6 Reviews

24 May, 2022 by Lorine

i contacted Attorney Skarr in error I was trying to reach Attorney Feagle when he answered I thought he was Attorney Feagle so I began talking. He gracefully said how the two are commonly mistaken as they sound alike. He without any hesitation assisted me with nature the of my call and copied Attorney Feagle .Attorney Skaar could have referred me back to Attorney Feagle, instead he spent thirty minutes plus .One word describes him and this practice STELLAR

27 Oct, 2021 by Sholloway

I was being sued by a junk buyer regarding some old debt. I reached out to them and they were able to resolve my issue right away. Great communication. I would highly recommend them!

13 May, 2021 by A.l.k

Mr. Skaar was very understanding and patient with me while trying to explain my case. I was very panicky and unable to understand a lot of what he was saying at first, he took the time to repeat things, put them in layman terms and made sure I really understood what was going on. Not once was he at all condescending, rushed or annoyed at my questions, unlike many other attorneys i've dealt with in the past. I would highly recommend his services and trust in his knowledge.

Warren Kevin Snyder

160 Greencastle Road, Peachtree City, GA

Bankruptcy Business Credit Repair +6 +9

5.0/5

5.0

5 Reviews

13 Jun, 2012 by Tiffany

Kevin handled my husband's bankruptcy as well as mine and he truly cared about us. He was patient and thorough with my husband and his very difficult and time consuming case. When I had to file, Kevin knew I was very nervous about the whole situation and he took care of me. It's been 5 months since my discharge and he still gives advice if we need it. We have and will continue to recommend Kevin Snyder.

04 Jun, 2012 by Anonymous

Kevin's legal guidance and support through an extremely difficult time for my family was invaluable. He is very thorough and makes certain that he has all of the information to present the best possible options. He walked us through the process step by step so that we felt comfortable with our decisions. We have recommended Kevin to our friends and will continue to do so. You will not find a finer attorney.

31 May, 2012 by Jan

Kevin Snyder is a total professional. He is calm, patient and methodical in his explanations. He answered any question we asked with the same calm demeanor that seems to be his way of doing things. He kept in touch with us and kept us informed of exactly what was coming up next. I felt totally secure that Kevin would "handle things" and that's exactly what he did. Thank you so much, Kevin!

Joseph Anthony Ranieri IV

1797 Northeast Expressway, Atlanta, GA

Business Debt Settlement +2

5.0/5

5.0

2 Reviews

18 Sep, 2015 by Anonymous

Joseph was very professional and thorough with my case. He takes the time to understand his clients on a personal level to better assist with their individual needs.

18 Dec, 2012 by Anonymous

He was very thorough and help me through my situation. He's a very understanding man, easy to talk to and actually listens!

Spence Johnson

455 Epps Bridge Pkwy, Athens, GA

Business Debt Settlement Litigation +3

5.0/5

5.0

2 Reviews

01 Jan, 2014 by Anonymous

Spence Johnson is an outstanding attorney who guided our corporation through a complex real estate transaction. His attention to details, perseverance, and legal acumen made all the difference to our particular circumstances. The expert counsel we received from Spence was greatly appreciated, and I highly recommend him without reservation.

19 Sep, 2011 by Anonymous

I hired Spence to help ward off the threat that my construction company faced of being snarled in a shareholder dispute between a former general contractor that I worked with and one if its shareholders. Spence got involved, quickly got himself “up to speed” on the facts and the law, and initiated prompt communication with the opposing lawyers. He was able to keep me out of the litigation and saved me thousands in legal bills and endless headaches in the process.

John Erling Pytte

617 Stephenson Ave., Savannah, GA

Bankruptcy Business Debt Settlement +1 +4

+1 (912) 421-2187

5.0/5

5.0

2 Reviews

31 Jul, 2017 by Ann

I don't normally review anything but I felt like I had to in this case. Filing for a bankruptcy is embarrassing and a hard decision to make. I went back and fourth for month's. I was in good hands from beginning to end. Attorney and staff were sweet and professional.

01 Apr, 2012 by Antonio williams

I was referred to this attorney for assistance because my business was about to be closed. Mr. Pytte and his staff helped me keep my business. If you need any help he can best be reached at www.gadebtrelief.org there is form you fill out and they call you. I am forever greatful for the help. Tony

James William Clifton

37 Calumet Parkway, Newnan, GA

Business Debt Settlement Estate Planning +2 +5

5.0/5

5.0

1 Reviews

07 Aug, 2012 by Cindy horsley

Mr. Clifton worked fast and had everything ready when we arrived and when I say fast I mean we had a quick closing and he was paatient enough to wait on my client who was running late. Will def be using him for future closings!

Hannah Y. Chung

1430 W. Peachtree St. NW, Ste 100, Atlanta, GA

Debt Collection Debt Settlement Real Estate +3

5.0/5

5.0

1 Reviews

06 Nov, 2020 by Chrishanna

I highly recommend H. Chung as counsel with HYC Law, LLC for your legal matters. She is efficient, detail-oriented, and organized. Additionally, she has excellent communication skills, humble, and honest which helps her connect with people. I was impress with the outcome of my legal matter, and would return to her again, if needed.

William Rhymer

1036-B Iris Drive, Conyers, GA

Bankruptcy Debt Collection Debt Settlement +3

5.0/5

5.0

1 Reviews

06 May, 2014 by Ivan g.

I need to come clean: I had to hire an attorney to handle my filing of Chapter 7 bankruptcy a year ago and I picked William Rhymer because he was the first bankruptcy lawyer listed in the Yellow Pages. But I should have bought a lottery ticket that day as well, since it was the smartest pick I could have made. Mr. Rhymer is a thoughtful, conscientious attorney who is also accessible and personable -- though based in Conyers, he always made time to see me in his Athens office when scheduled. He put me totally at ease during what was an admittedly stressful time for me, and both his friendly manner and attention to detail are attributes that every lawyer should possess in their field. I would recommend him without hesitation to anyone needing his assistance in bankruptcy proceedings.

Bernard T Kennedy

34 A Rogers St, Blairsville, GA

Consumer Protection Credit Repair Debt Settlement +3

5.0/5

5.0

1 Reviews

18 Nov, 2015 by Tim

Attorney Bernard Kennedy personally handled my case. When I called his office, I spoke to him not a paralegal. I was being harassed by a debt collector. He stopped the collector from contacting me in the future and settled my case within 2 months of filing. I received statutory damages of $1,000 under the Fair Debt Collection Practices Act (FDCPA).

Katherine Jackson Hill

305 Lawrence St NE Ste 210, Marietta, GA

Bankruptcy Debt Settlement +2

5.0/5

5.0

6 Reviews

03 Mar, 2023 by Ash husak

Just I want to know.more about the practice, seems like a good and powerful , professional attorney

03 Feb, 2023 by Ralph clark

At the age of Nineteen, I made some incredibly bad decisions and was facing possible prison time. Thank GOD, I was blessed with a second chance. Mr. Woodman is the best defense attorney around.

29 Jan, 2020 by Jason butler

I have been blessed to have Mr. Woodman as my Attorney, so I speak from a experience that one could not find a better, more capable, kind Attorney to handle significant matters on your behalf. I am grateful that he took the time to assist me in life...and yes he cares a great deal! He comes up with brilliant ideas to handle the situation.

Melissa Michel

3379 Peachtree Road NE, Atlanta, GA

Debt Settlement Personal Injury +2

5.0/5

5.0

2 Reviews

06 Jan, 2022 by C lee

Mr. Lee is very competent and through. He always respond upon request and update the information in time. He is very professional and has good manners . I would recommend his service without hesitation.

06 Jan, 2022 by Dennis hare

Paul is very knowledgeable in terms of helping to protect your wealth which is very important in this economic and political climate.

George F. Nason IV

1117 Perimeter Center West, Atlanta, GA

Bankruptcy Business Debt Settlement +1 +4

5.0/5

5.0

1 Reviews

06 Feb, 2020 by Bruce egsieker

Great attorney...always gave me great advise....a good person

Julie A. Franklin

100 Bull Street, Savannah, GA

Business Criminal Defense Debt Settlement +2 +5

4.9/5

5.0

22 Reviews

4.9

308 Reviews

27 Aug, 2024 by Steven colon rios

Good

26 Aug, 2024 by Sureatha davis

13 Aug, 2024 by Blanca hernandez

La verdad que estoy muy satisfecha con su Atencio y pronta respuesta . Dios les bendiga y siempre sigan trabajando para servir a las personas que tanto necesitan de su orientación

Michael Raymond Rethinger

50 Hurt Plaza Suite 1150, Atlanta, GA

Bankruptcy Debt Settlement +2

4.9/5

5.0

3 Reviews

4.9

302 Reviews

20 Aug, 2024 by Kenyonna brinkley

Outstanding service! Council & Associates made everything as smooth as possible. Updated me every week on my case. Nice professional people at the front desk as well. Thank you!

30 Jul, 2024 by Brittany battle

The best law firm .. thank you

18 Jul, 2024 by Hope reid

My case was taken in and once going through the process, it turned out to be a very easy process that which I'm thankful for.

Patricia Lyda Williams

3675 Crestwood Pkwy, Suite 400, Duluth, GA

Bankruptcy Business Debt Settlement +1 +4

+1 (678) 909-1833

4.9/5

5.0

20 Reviews

4.9

150 Reviews

08 Aug, 2024 by Deborah piquant

Mr.Miles made the Trust process so easy and painless. He was professional yet friendly, very easy to work with. Explains the law clearly and in layman's terms. I highly recommend.

07 Aug, 2024 by Annetta oliver

We recently contacted the law firm to create a family trust. The process required a lot of information and Keith was extremely patient and informed in assisting in navigating the process. All of our inquiries were addressed in a timely manner. We now have a Trust in place that gives us the assurance that our wishes will be carried out as we requested. Great Job!

07 Aug, 2024 by Glen thompson

Keith R Miles navigated me through some the biggest decision I have ever made. It was referred to him by my family attorney .He was very honest with me about my choices and what would and wouldn't work for my situation,which was greatly appreciated. He listen to my concerns and my challenges and explained the pros and cons in detail. I totally recommend him if you are estate planning ,Setting up a trust or needing guidance with a aging parent and you need advice from an attorney that has you best interests at heart. Thanks again .

Jeffrey Williams

3675 Crestwood Pkwy, Suite 400, Duluth, GA

Business Debt Settlement Estate Planning +3

+1 (844) 326-6174

4.9/5

4.9

14 Reviews

4.9

150 Reviews

08 Aug, 2024 by Deborah piquant

Mr.Miles made the Trust process so easy and painless. He was professional yet friendly, very easy to work with. Explains the law clearly and in layman's terms. I highly recommend.

07 Aug, 2024 by Annetta oliver

07 Aug, 2024 by Glen thompson

Shonterria Renek Martin

829 Fairways Ct., Stockbridge, GA

Criminal Defense Debt Settlement +2

4.9/5

5.0

20 Reviews

4.8

138 Reviews

04 May, 2024 by Wendy creel

John, Elise and Jan with Edge and Kimbrell provide professional and personable service for all their closings. The communication is excellent and my clients and I always feel as if we are important to them and they create a very exciting and professional environment for all their closings. I would recommend them for all your real estate needs.

02 May, 2024 by Sue wilson

27 Apr, 2024 by Tacoma robinson

Jonathan Proctor

2475 Northwinds Pkwy, Alpharetta, GA

Bankruptcy Debt Settlement Foreclosure +3

4.9/5

5.0

5 Reviews

4.8

11 Reviews

05 Aug, 2024 by Cat altman

Jonathan Proctor made the bankruptcy process feel like a breeze. His communication was on point, and he helped to explain every bit of information. Thank you!!!!!

01 Sep, 2023 by Michael s

30 Aug, 2023 by Renee castro

Christopher Dwayne Hall

908 N. Patterson St., Valdosta, GA

Bankruptcy Debt Settlement +2

4.9/5

4.9

36 Reviews

09 Apr, 2024 by Penny glass

27 Nov, 2023 by Elizabeth hall

Great experience, explained everything clearly.

19 Oct, 2023 by Adam wigley

Orion Gregory Webb

280 Country Club Drive, Stockbridge, GA

Business Consumer Protection Debt Settlement +1 +4

4.8/5

5.0

16 Reviews

4.6

70 Reviews

15 May, 2024 by Cheryl

There aren't enough words to express my appreciation for Orion and Suzanne. They went above and beyond to make sure we came out on top. No one ever wants to think about needing an attorney,but if you do Smith Welch Webb and White is the place to seek help. Its like having and ace up your sleeve. Sincerely and with gratitude Cheryl B.

14 Mar, 2024 by Emily hise

Both Andrew and Stacey were fantastic to work with. They were so knowledgeable which made me feel at ease because I came into this situation knowing very little about pursuing a personal injury case. Not only did they exceeded my expectations on the case, they were also such genuine people I enjoyed working with!

07 Mar, 2024 by Ari preston

I had a traumatic experience, and these fine people helped fight for me. They were patient and caring through out the whole ordeal. The communication could use some work, but I would still recommend them to fight for you during an injury. They listen and work hard to uncover the truth. If you have had an injury, and need representation I highly recommend contacting them. And Mr. Andrew was very on point . His staff kept me informed with each step of this process.

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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.

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.

Best Debt Settlement lawyers in Georgia

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Cities in Georgia - Find a Lawyer Near Me

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