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01 Oct, 2024 by Matt
Everything was simple and easy to understand from the time I had my first consultation call with them.
They took the ball from there and updated me accordingly along the way and it was a very smooth and easy process. They've handled two separate judgements for me and will be handling my next and final judgement as well.
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06 Jul, 2024 by Jessica
Hi everyone, I want to appreciate PINNACLE CREDIT SPECIALIST for their help. Long story short, I had 3 Amex cards that were all used for business across 2 businesses. Two payments on one of those cards (related to a business that was struggling) was missed in the summer of 2022 which resulted in all 3 cards being cancelled by Amex (the other 2 cards, related to the same business had perfect payment history). That card which was opened in 2019 eventually went into collections and was charged off. Ended up settling the card with a single lump sum payment in the summer of 2023 but was still showing as a charge off on my report. I followed the advice found on this site and I was able to employ the services of PINNACLE CREDIT SPECIALIST who helped me fix my credit back to normal and increased my scores to an excellent score. My vantage score is between 785-800 and FICO is at 806, 810 and 815 within 6 days. He also removed all charges and paid all the late payment on my credit report. Now I finally purchased my dream house. His really a great hacker; reach out to him now via:
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27 Jun, 2024 by James
All aspects were explained and carried out seamlessly. Weston stayed in contact on everything that was going on.
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19 Dec, 2023 by Anonymous
John Mastriani is such an awesome lawyer and person! He has been so helpful in dealing with our legal issues. He is trustworthy and has no problem in telling like it is! Would highly recommend!!
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16 Dec, 2023 by Craig
John is a great attorney, He is smart and crafty, He sees and understands everything. What makes him so successful is that he knows how to work and think outside the box. This man will help you !!
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14 Dec, 2023 by Monroe
John has been very professional in the handling of our case and very wise in his advice. The combination of.the two resulted in a major victory for my company!
I highly recommend John.
Monroe Luther
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16 Dec, 2021 by Jon
I have used Mr. Thornhill 4 times in the last 2 years. Excellent results, completely ethical and trustworthy.
I count on Christopher, he gets results,
JCM
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21 Jun, 2019 by Sara
Chris helped me with a couple of disputes and I was extremely satisfied with the end result. He was professional, friendly, knowledgeable, and straightforward. It was an absolute pleasure to work with him.
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15 Mar, 2017 by Kelly
Chris and the trial atty John Mastriani were excellent and won my case against a private school loan company. My case went to trial and we won due to Chris and his staff which relieved me of $40000 in debt and loan co atty fees. I am forever grateful for this burden being lifted from me.
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16 Jan, 2022 by Carolyn
I was very satisfied with the service I received from Heston Law Firm. Received quick and excellent service from the staff. Mr. Heston and Rebecca answered all my questions, kept me informed throughout the process and always called me back. Professional and knowledgeable. They worked with me to resolve all my problems resulting in a favorable resolution of my case. I would definitely use Heston Law Firm again.
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15 Jan, 2022 by Frank
excellent service from start to finish. robecca was amazing held my hand thru the entire process. she kept me informed every step of the way. mr. heston was very knowledgeable and was there every moment to answer any questions. the experience was smooth and uneventful.
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12 Nov, 2021 by Pat
Courteous and professional treatment from Everyone in the firm !
Completed our case as they said they would with excellent results.
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12 Oct, 2023 by Mr.tel
Took the stress and worry out for me made all my court appearance for me kept me updated what was going on made me feel very comfortable like I was a family member great job i will recommend them to any and everyone. Thanks again appreciate what you do
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28 Aug, 2023 by Brenda goodwin
Megan told me she would fight for my rights and she did, she is the best and I will refer her to all my friends and family.
She won my case. She is the best.
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02 Nov, 2022 by Armando
My lawyer, Megan was on top of things all the time. Good communication was established from the start. Very professional.
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14 Oct, 2020 by Delwyn
He was extremely helpful with my legal issues, always responded quickly and thoroughly my questions”.
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30 Oct, 2018 by Jerry
Ben is one of the best persons to handle my case. He is very professional and knows his business very well. I highly recommend him and his law firm to anyone that has any thoughts of going through a bankruptcy. He is very easy to communicate with and has answered all my questions without hesitation.
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16 Apr, 2018 by Monica
I hired Mr. Lusky fter o had tried to deal with anither attorney. Immediately when i had my first consultation i felt comfortable. Any question i had..Mr. Lusky answered. He knows his stuff! The process was easy. Mr. Lusky explained the process to me...Mr. Lusky always replied to any emails or phone calls immediately. I never felt like i was just another client..he treated me like i was his only client. I highly recommend Mr. Lusky to anyone. Even after i was finished with my bankruptcy, Mr. Lusky is readily available to answer any questions i may have.
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14 Dec, 2020 by Yullya
Several years ago I invested in a business project, but made a few bad choices along the way. The project went down. I ended up with hundreds of thousands in debt. I spent years agonizing over my debt, losing sleep at night and worrying that I would never be able to repay. When there is one debt, new ones spring up like mushrooms after a rain. I never even thought of bankruptcy as an option for me. But chance brought me to Russell. He was the answer to my prayers. Russell took his time and went an extra mile to investigate my situation and offer the best solution for me. He also provided advice on how to stay free from debt in the future and rebuild my credit. Thanks to Russell I have been free from debt for over three years now, and can take care of my family and myself. I do recommend his services as a bankruptcy attorney.
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11 Dec, 2020 by Laurie
I was faced with a difficult situation that had a short period of time to be dealt with. Russell made it seem so easy to handle and quickly had my situation under control. I was so thankful for his guidance and help in my situation!!
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05 Mar, 2019 by Chris
WOW! What a great experience working with Russell Beustring. He was recommended by another attorney we know and it was a great decision working with Mr. Beustring. He took his time all of our options, very patient and explained everything very clearly. Awesome experience and I highly recommend him.
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13 Sep, 2024 by Kaharold
I'm ONLY Given 2 Stars AND That Second Star is Because THEY Immediately Responded, ANYWAYS My Mother Was in Kindred Rehab Facility Located in The Medical Center AND All of A Sudden Died, The Nurses Admitted That THEY Gave her Something to Calm Her Down AND Whatever THEY Gave her She Didn't Come out of it, I Contacted THESE PEOPLE Right here Because THEY Said THEY Deals With Wrongful Death, WELL That Can't Be True Because I Was Told THAT The Attorney Refuse to Take My Case.. I Was Like Ok Whatever, If You Will NOT Take Wrongful Death Cases THEN Don't Advertise That You do...
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11 Sep, 2024 by Martha portillo
Lo recomiendo, me iso un excelente trabajo con mi caso de accidente aquí en Houston.
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10 Sep, 2024 by Maria blanco
Los recomiendo Excelte trabajo
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5.0
20 Reviews
4.8
283 Reviews
14 Oct, 2024 by Yedid olvera
04 Oct, 2024 by Devonda greggs
Thank for ur dedicated work
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19 Sep, 2024 by Jessica chapa
Attended to me on Point
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03 Oct, 2024 by Kaprajean norris
Very professional
Quick and painless.
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02 Oct, 2024 by Anonymous
Thank you so much for the prompt responses and the perfect representation! I'm so appreciative!
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30 Sep, 2024 by B j
When I say I am completely appreciative of how my case was handled. DISMISSED!! I literally didn’t have to worry at all. Wiley Legal communicates when communication is necessary and never left me out of the loop. Something in my spirit told me this was the legal firm to hire and I can definitely say my spirit led me the correct way. THANK YOU
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05 Feb, 2024 by Amnah aljuboori
I highly recommend Henry law firm it’s great service.
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05 Dec, 2021 by Stephanie gonzalez
30 Mar, 2021 by Chaterra revis
Recently used her services as a mediator for a custody case, and I couldn’t be more satisfied. She was very patient and honest with me! She helped us arrive to a resolution and avoid going to court. I definitely recommend her. Very fair!
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23 Sep, 2024 by Brian l
I have experience a few attorneys in my life, Madeline was kind and very professional. She explained everything to me in detail and gave me good legal advice about my case. I would highly recommend Madeline.
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28 Jul, 2024 by Shan
Arpita Legha, my attorney, provided exceptional service from start to finish. She consistently kept me informed about potential outcomes and charges. I am very satisfied with her work as my family attorney. I also appreciate her follow-up call even after the case was concluded to check on how things were going. Thank you, Arpita, for your timely responses to my questions and for your unwavering support throughout the process.
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18 Jul, 2024 by Anu malya
For me, I think critically evaluating Google reviews of any business, service, etc — myself & my own business included — a lifeskill.
I am a big fan of basic respect, clear communication, & thorough professionalism. I myself make mistakes; I own them, 200%, made knowingly or unknowingly.
Some of Arpita Legha’s practices on the “uncontested legal separation” I initiated did not sit well at all with me OR with my former legal spouse either.
I tried to see all angles of Arpita’s actions & manners — very often extending benefit of doubt for her choices. I reasonably participated in how Arpita went about things. Then, I chose to take pauses as I needed from her obvious unprofessional (sometimes inhumane) behaviors.
My feedback for Arpita & the Oxner Legha Law Firm:
• I found Arpita’s conduct unprofessional on several occasions & accounts.
• Arpita laughingly mentioned a client’s identifiable name & case info — in front of them — with me present — on my 1st call with her & Madeline. I did not find it funny at all. Neither did the other client.
• I felt pressured by Arpita for my time, responses, & outcomes way too many times to count while conducting my paid services.
I liken her toxic behaviors to that of an alligator.
If I initiate a process — as humanly & professionally possible, shouldn’t I reasonably decide the pace of my OWN case — under the guidance of the “professional” I hired???
• I communicated in writing about my life-threatening documented illness & how I needed time (which was provided to me first), then it went back to the same pushiness for possibly meeting the firm’s targets, Arpita’s schedule, the court’s schedule, whatever else, etc.
It was literally sickening for me, at times, to deal with Arpita’s behaviors — despite making my voice heard in writing & by my actions.
• Once, over phone, after listening to how the situation was evolving, Arpita mentioned an additional service I needed — communicating very clearly to me over phone that she’d include that service under my retainer.
When I put that service in writing over email, it appeared Arpita’s language changed. Arpita went back on her word.
I found myself with an additional bill, albeit some deducted off at the conclusion of my services. A sales & an I’m-sorry tactic, if I may?
• At the end of my services, I still did not get a breather. I noticed Arpita’s calls & emails, pushing for rapid responses within 24-48 hours each time.
I think I am a pretty responsible grown up who paid upfront for (un)professional services.
I believe I am aware of exactly how things work & when, for whom. Especially through my experience with Arpita & her firm.
I kindly asked questions & kindly responded to those asked of me. I believe my former legal spouse chose to behave the same as well. How would I know? It was in writing.
I am not sure what Arpita’s main issue was — maybe my former legal spouse & I never reached the “contested” stage?
I believe in decent trust between client & service provider.
At the end, I relied on email alone with Arpita because I was tired of keeping up with her calls. Why? I found it hard to trust her word.
• In the end, after I completed my items — rather than own up to her chosen behaviors & style, I found Arpita did not close my case hospitably at all. It appears I was literally dismissed with an attitude.
• I am unaware of what Arpita’s deeper personal or professional issues may or may not be. I do not desire to know.
I wish I could speak about the positives. I wish I could share those things that stood out to me.
Unfortunately, the areas for improvement weigh heavily on my experience with Arpita & her firm. I neither recommend Arpita Legha’s services nor the Oxner Legha Law Firm.
I find basic professionalism & hospitality priceless. I believe no matter how much I pay, the 2 may or may not be guaranteed anywhere.
My experiences with Arpita Legha & through her, the Oxner Legha Law Firm, was one such stark example of that. For both my former legal spouse & I.
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30 Aug, 2024 by Teri
Martin Pack is an amazing bankruptcy attorney. Not once was I ever treated like a number. Martin and his team took the time to walk me through the process from beginning to end and answer any questions I had. Martin also took the time to call me the few times I needed clarification on something and he never made me feel like I was an inconvenience. Martin Pack and his firm handled everything for me during a traumatic time in my life. I never felt scared or in this alone. I knew he and his firm would protect me and take care of anything I needed. I rarely had to make contact with his office, but when I did, the response was friendly, prompt and accurate. You cannot go wrong with this firm. Follow the instructions they give you and your life will get better. Best decision I ever made.
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20 Aug, 2024 by Jay coddington
We want to thank Mr. Leo for reassuring myself and family for his possible legal advice my family may need in the future. Our family friends have done business with Kishinevsky law firm, and are extemely satisfied with their results. Mr. Leo, we want to take the time to thank you for your advice and for any future needs that may arise.
Jay & Carale Coddington
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16 Aug, 2024 by Brayan millan
03 Aug, 2024 by Peter dare
They are very responsive, knowledgeable and a joy to work with. Highly recommend him and his team to anyone looking for an immigration lawyer. Charges are very reasonable as well. He is the best and I totally recommend him.
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31 Jul, 2024 by Segun fakorede
Case Approved(i-485)!!!
Above and Beyond!
Look no further guys, Lawyer Rotimi is the real deal!! I reached out to him when all hope was lost, low in spirit after a denial and he birthed fresh hopes/confidence in me to start all over again.
All through the entire process, he would continually assure and reassure me that all would be well……. and indeed all is now well. Even when I had my scares and doubts, his words of confidence and encouragement kept me going.
So, when you are looking for an Attorney, try get someone who approaches their job with confidence and enthusiasm at the same time knows what they are doing. I have dealt with a couple and I can categorically say without mincing words that Lawyer Rotimi exudes sheer confidence, dedication to his job, trust, optimism and vigor to carry you through this wonderful 😊 journey.
I strongly recommend him while wishing y’all the very best in this journey.✌️
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17 Jul, 2024 by Kembi damola
06 Oct, 2024 by Bill
There were several charges that I thought were invalid or unwarranted, so left a bad taste in my mouth.
-They Charged me for a conversation that I had already stated the answers to in a previous email. He said he would not charge me for that, but I was charged.
-They should have asked all the necessary questions before drafting the documents. This would have avoided me getting charged for 2 additional conversations, 2 edits and 2 emails.
-I shouldn’t have been charged for revisions and emails needed due to their errors. This happened twice because of their typos/errors.
-After I emailed my final approval of the documents, I was charged for their response which was just him asking if ‘there was there anything else I needed’.
-When I replied no, I was charged for his reply which was just ‘thanks for letting him know’.
-Then I was charged for them making a draft of a letter thanking me, stating my case is closed and emailing it to me.
-Finally, I was charged again for an email with my detailed invoice.
Aside from that, the documents were prepared well, and everything was resolved in a timely manner.
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04 Oct, 2024 by Alex li
04 Oct, 2024 by Mario e
Mr. Garcia provided excellent assistance in drafting a customized Texas Lease Agreement for me. His expertise is evident, and he was incredibly patient and attentive to my specific needs throughout the process. I highly recommend his services for anyone seeking professional and knowledgeable support.
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19 Apr, 2024 by Robert
Travis provided exceptional legal representation throughout my case. He and his team meticulously evaluated all the information, provided insightful advice on how to get the best results for our case, and actively participated in court proceedings. His responsiveness to my questions and concerns was commendable, and together, we discussed effective strategies that ultimately led to winning two crucial cases. I highly recommend their services for anyone seeking dedicated and strategic legal support.
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30 Nov, 2017 by Alonso cano
Hired these attorneys when I got a lawsuit over a debt collection I owed. I must say this law firm is top notch. David the paralegal was always 100% on point and answered everything to the tee. Chad was great and talked to me like a friend and made me feel very reassured thru the whole process. I would hire these guys again in a heartbeat.
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27 Nov, 2017 by Tracy
Great communication from Mr. Bryan and his amazing staff. They kept me updated on my case and always returned my phone calls and emails in a timely manner.Just received great news that I won my case and i'm happy but not surprised because of the professionalism they displayed through the court process.
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13 Aug, 2024 by Michelle tillery
Zandra is very equipped to help you navigate your situation, consider your options, and push you to take the appropriate action. I was very happy with her guidance and would highly recommend her.
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04 Mar, 2024 by Edward.casanova0520
Mr. Elrod helped a friend of mine and we were all impressed by his professionalism and extensive knowledge of the law. He succeeded with a favorable out come for his client and did it all while being friendly and respectful.
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12 Jan, 2024 by Mark
The Lakeside Improvement Association (the HOA) had filed suit (with a $250K lean on the property) against my 93 year old widowed mother for failure to pay her dues for 3 years and for failing to repair and paint the awning of the front porch! My mother wanted me to try to work out a payment plan with the attorneys for the HOA but they wouldn't respond to my emails! The case got extended a couple of times and then when case actually went to trial, neither the court nor the HOA's attorneys notified my 93 year old mother of the court date until after the trial's date! Therefore judgement was awarded to the HOA for approximately $4K (with a lean on the property for $250K) which my mother could not pay! So we get notice that the Pct. 5 Constables office had seized my 93 year old mother's house (that's been paid off for years) and was going to sale her house under court order! I kept getting the run around from different attorneys, saying the case was too late or too complicated until I talked to Chad! He said he could handle it and he even came out to the house and met my mother! I found out that this type of case is what Mr. Elroy specializes in! I highly recommend him for any type of debt settlement but especially dealing with HOAs!
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14 May, 2024 by Melissa paz
¡NO CONTRATEN SUS SERVICIOS! Solo tomarán tu dinero y no responderán. Mi familia los contrato y no hicieron nada. Solo robaron¡Tengan cuidado!
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14 May, 2024 by Melissa paz
¡Son una estafa! ¡NO CONTRATEN SUS SERVICIOS! Solo tomarán tu dinero y luego no responderán. Esta es una empresa poco ética e irresponsable. Los contratamos y solo tomaron nuestro dinero. No hicieron ningun servicio. ¡Tengan cuidado!
This a scam! DO NOT HIRE THEIR SERVICES! They will just take your money and won't answer. This an unethical and irresponsible firm. We hired them and they just took our money. No services were provided. Be careful!!!
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03 May, 2024 by Rosmery baez
I hired their services 6 months ago for a simple domestic case because I wanted to have good communication with the lawyer, I sent them all the evidence to dismiss the case and I have been waiting for months for them to do something. After collecting the money they DO NOT respond or help you with ANYTHING, they don't even respond to calls or messages. Communication is IMPOSSIBLE, I paid 8 thousand dollars and I'm still waiting for a message to be answered. LA COMUNICACIÓN con estas personas es implemented IMPOSIBLE
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Discover the ideal lawyer
You can search a lawyer by practice area, lawyer name, city, state, or ZIP code
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.
