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Michael Wayne Weston, experienced Business, Debt Collection attorney in Houston, TX with 970 reviews
Average
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
49,03
star star star star star
4.9/5
Avvo
5.0
24 Reviews
Google Maps
4.9
946 Reviews
star star star star star
13 Dec, 2024 by Anonymous
Dominique McKnight handle my case answered any questions quickly. I would recommend this law firm to anyone
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05 Dec, 2024 by Kristy cole
I was terrified when I was served legal papers that I was being sued by Midland. Never had anything like this happen to me. Weston was very quick to get back to me and help when I needed it. Mr. Dominque McKnight, my lead case manager, helped reduce my debit and get a payment plan set up that I could work with. Thank you again for everything you do!
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03 Dec, 2024 by Terrance choyce
Very responsive and Great results With my case. I would recommend anyone to deal with Weston, you guys are the BEST!!!
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Benjamin Kirke Sanchez, experienced Consumer Protection, Debt Collection attorney in Houston, TX with 478 reviews
Average
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
48,40
star star star star star
4.9/5
Avvo
5.0
20 Reviews
Google Maps
4.9
458 Reviews
star star star star star
10 Jan, 2025 by H squared racing inc
Mr Sanchez was an absolute breeze to deal with. He and his team spent the time needed to advise me and make sure I had proper legal advice. If you want an attorney who cares about you and your case or situation. Then Sanchez Law Firm is the answer for all your legal needs. Best law firm in Houston!
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09 Jan, 2025 by Awakened claymore
Gave a strong service with the team a continuous pleasure in service.
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06 Dec, 2024 by Cynthia simien
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Jonathan C Johnson, experienced Debt Settlement attorney in Houston, TX with 93 reviews
Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
44,40
star star star star star
5.0/5
Avvo
5.0
10 Reviews
Google Maps
5.0
83 Reviews
star star star star star
16 Jan, 2025 by Omar arshad
He went above and beyond my wildest dreams. I can not heap enough praise up them. Paris looks out for your best interest.
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star star star star star
21 Sep, 2024 by Manuel peraza
Gracias atenderme en mi caso muy agradecido excelente mente trabajo al señores abogado y al personal q trabajan con el Gracias bendiciones
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14 Aug, 2024 by Esmeralda corona
I want to give a lot of thanks to Paris Mendoza and his staff for coming to the rescue when I needed it the most. Somebody had crashed into me and he was recomended to me by my family. Paris did a great job and even got me way more money than what he said he could. This guy is a savior. If you want a great personal injury lawyer, then you can't go wrong with Paris Mendoza.
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Ryan J. Dove, experienced Bankruptcy, Debt Settlement attorney in Houston, TX with 738 reviews
Average
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
44,34
star star star star star
4.9/5
Avvo
5.0
9 Reviews
Google Maps
4.9
729 Reviews
star star star star star
24 Dec, 2024 by Sara hernandez
Great lawyer Mr. Argento took care of my case and explained everything well.
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18 Dec, 2024 by Angel exiga
Recomiendo al abogado para cualquier accidente aquí en Houston
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17 Dec, 2024 by Lyrik kiser
It’s incredibly hard to get in touch with these people Racquel, always give the run around when we talk every other 3 weeks they are quick to take a case but terrible at keeping in contact; when it was time to get my car repaired it wasn’t enough to get it repaired I had to still come out of pocket even when my insurance wasn’t even involved and still get terrible excuses after going on close to 2 years. I shouldn’t have to keep contacting a company about MY CASE. Once finally settled won’t ever use this company again and don’t recommend
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Kelvina Evette Wiley, experienced Debt Settlement, Litigation attorney in Houston, TX with 133 reviews
Average
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
43,79
star star star star star
4.9/5
Avvo
4.9
15 Reviews
Google Maps
4.9
118 Reviews
star star star star star
24 Jan, 2025 by Veronica r
Wiley Legal, PLLC Team, I would like to extend my sincere gratitude to your team for the outstanding support and assistance I received throughout my case. I have consistently experienced professionalism and responsiveness whenever I reached out with questions, both related to my case and general inquiries. I especially appreciate the efforts of your receptionist, who went above and beyond to help identify fraudulent calls I was receiving, ensuring my personal information remained secure. I am pleased with the service provided by your firm and will continue to utilize your services in the future. Additionally, I will gladly recommend your firm to others. Thank you for your dedication and professionalism.
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10 Jan, 2025 by John magallan
Very satisfied with legal representation. Will definitely use again for any other legal issues. Thank you Wiley Legal, PLLC
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star star star star star
20 Dec, 2024 by Isabella villarreal
Wiley legal got my cased dismissed!! Their communication is great with their clients! They made an unpleasant experience very easy and stress-free. Thank you Wiley Legal.
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John Victor Mastriani, experienced Business, Class Action attorney in Houston, TX with 20 reviews
Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
43,62
star star star star star
5.0/5
Avvo
5.0
20 Reviews
star star star star star
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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Alex Olmedo Acosta, experienced Bankruptcy, Business attorney in Houston, TX with 161 reviews
Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
40,02
star star star star star
4.7/5
Avvo
5.0
2 Reviews
Google Maps
4.7
159 Reviews
star star star star star
06 Jan, 2025 by Craig b. franklin
I want to thank you both for your kindness, understanding and assistance. You made everything much easier for me.
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14 Nov, 2024 by Liz lb
Rashmi & Leo helped me through a rather stressful life change. They took the time to listen and understand my situation. They guided me in gathering all the necessary information required for my case, explained the process, answered my questions, etc. Many thanks to the Kishinevsky Law Firm for assisting me and for helping me make the best out of what may have been a worse situation. I am so grateful!
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16 Oct, 2024 by Tomas resendez
I was left with a very satisfactory outcome and would recommend using their service.
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James B. Heston, experienced Bankruptcy, Business attorney in Houston, TX with 20 reviews
Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
39,62
star star star star star
5.0/5
Avvo
5.0
20 Reviews
star star star star star
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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Megan Ashley Daic, experienced Bankruptcy, Business attorney in Houston, TX with 20 reviews
Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
39,62
star star star star star
5.0/5
Avvo
5.0
20 Reviews
star star star star star
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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Eric Adigwe Ogwude, experienced Business, Criminal Defense attorney in Houston, TX with 83 reviews
Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
39,34
star star star star star
4.6/5
Avvo
5.0
4 Reviews
Google Maps
4.6
79 Reviews
star star star star star
28 Oct, 2024 by Jimmie brown
Terrible attitude! Doesn’t like to be questioned. She took my case and then argues with me as if she is prosecuting me. Lacks empathy. She is one or those lawyers who obviously is in it for the money and not for her client. I hate I even was recommended to her. I spoke with other clients she had out of Arkansas and they all have had nothing but negative experiences with Joyce. I bet that the reason she moved her practice to Texas. She won’t get away with this bullying style. DO NOT USE HER TO EVEN REPRESENT YOU IN A SEATBELT TICKET….she works against you!!!
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25 Oct, 2024 by Mariam amed
If you’re looking for an outstanding attorney, Mr. Rotimi Areola is the one to trust. He is highly professional, incredibly prompt, and approaches every case with a strong sense of responsibility and integrity. His expertise shines through as he consistently delivers precise and timely solutions. With Attorney Areola, you can be confident you’re in the best hands, he truly knows his field and always does the right thing at the right time. I couldn’t recommend him more highly!
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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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Benjamin Joseph Lusky, experienced Bankruptcy, Debt Settlement attorney in Houston, TX with 6 reviews
Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
39,19
star star star star star
5.0/5
Avvo
5.0
6 Reviews
star star star star star
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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Russell Van Beustring, experienced Business, Debt Settlement attorney in Houston, TX with 3 reviews
Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
39,09
star star star star star
5.0/5
Avvo
5.0
3 Reviews
star star star star star
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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Morgan Foster, experienced Business, Consumer Protection attorney in Houston, TX with 150 reviews
Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
38,46
star star star star star
4.9/5
Google Maps
4.9
150 Reviews
star star star star star
06 Nov, 2024 by Shivdeep sanghera
Arpita Legha demonstrated not only a deep understanding of the law but also a genuine commitment to achieving the best possible outcome for my case. What impressed me most was their ability to explain complex legal concepts in a way that was easy to understand. They took the time to listen to my concerns and provided thoughtful, strategic advice that made me feel confident throughout the process. Their professionalism, combined with a personal touch, made a potentially stressful situation much more manageable. The firm’s dedication to their clients is evident in everything they do. They kept me informed every step of the way and were always available to answer any questions I had. I felt supported and valued as a client, which made a significant difference. Overall, if you are in need of legal representation, I wholeheartedly recommend Oxner Legha Law Firm. They are a trustworthy, knowledgeable, and compassionate team that truly goes above and beyond for their clients. Thank you for all your hard work!
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21 Oct, 2024 by Idalia lejune
Highly recommend this firm, especially Atty. Jason Oxner. We appreciate his thoroughness, knowledge and ability to seek peer insights if there’s something we need that’s outside of his expertise! He’s extremely responsive and provides quick turnaround on next steps! Highly recommended!
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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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Travis Allen Bryan, experienced Business, Debt Settlement attorney in Houston, TX with 13 reviews
Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
36,60
star star star star star
4.6/5
Avvo
4.6
13 Reviews
star star star star star
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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Christopher Mackensen Thornhill, experienced Debt Settlement, Estate Planning attorney in Houston, TX with 20 reviews
Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
35,62
star star star star star
5.0/5
Avvo
5.0
20 Reviews
star star star star star
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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Ernesto Garcia III, experienced Business, Debt Collection attorney in Houston, TX with 244 reviews
Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
35,30
star star star star star
4.7/5
Google Maps
4.7
244 Reviews
star star star star star
27 Jan, 2025 by Johnathan castillo
Lawyer Sardari was great in helping me with my case, not only did he get it dismissed but with a reasonably price!
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25 Jan, 2025 by Sdranger x
This group advocated for a greedy landlord who stole our last month rent and security deposit and tried to sue us for 20k for damages due to the property maintenance negligence from pipes bursting. When it was found out the landlord was double dipping from the insurance the judge ruled in our favor. By that time, we spent thousands of dollars defending ourselves against Ernie and the landlord. All for nothing. I get that this is a business but lawyers need to understand you hurt good honest folk when you defend liars and scammers.
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star star star star star
17 Jan, 2025 by Steve enstad
We have had many attorneys over the years, but Mr Garcia and his team are the easiest to work with and bring a very deep set of experience to us as Landlords. As you may know, Mr. Garcia is very generous with sharing information via Social Media and has given us many hours of free education - education that has helped us improve our success as Landlords and also in keeping our tenants happy! Regarding his firm's paid services, we have used Mr Garcia's team for proactive help (crafting new lease agreements) as well as some very difficult situations (tenants with terminal illness) that we were able to handle better due to Mr Garcia's wise advice. You need to have BOTH a head and a heart to be a good landlord, and Mr. Garcia helps us and many others ensure that there is a good balance there. Being a landlord isn't easy, and many of us are learning as we go - we've saved us and our tenants a lot of frustration due to his help. We'd give 6 stars if we could!
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Chad Dawson Elrod, experienced Consumer Protection, Credit Repair attorney in Houston, TX with 25 reviews
Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
32,38
star star star star star
4.2/5
Avvo
4.6
9 Reviews
Google Maps
4.0
16 Reviews
star star star star star
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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Shaun Gregory Brown, experienced Business, Consumer Protection attorney in Houston, TX with 137 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
23,34
star star star star star
3.2/5
Avvo
5.0
22 Reviews
Google Maps
2.9
115 Reviews
star star star star star
15 Nov, 2024 by Oneidi mendoza
Gracias a la liga defensora tengo mi residencia! Amig@ si usted tiene un caso de inmigración no dude en ir a la liga defensora. Muchas gracias!!!!
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08 Nov, 2024 by Anonymous
I hired Mr. Brown to assist me with a debt. He jumped right in and helped me calm down and get the batter handled. He knows his stuff and definitely can get the job done.
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28 Oct, 2024 by Adolfo y emily n razo
Las muchachas son amables pero lastima de abogados rateros te hablan muy bonito pero no ayudan en nada son pura estafa
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Teylor Elizabeth Mark, experienced Debt Collection, Debt Settlement attorney in Houston, TX with 0 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
0,00
star star star star star
0.0/5
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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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