Filter by

Michael Frank Chekian, experienced Bankruptcy, Debt Settlement attorney in Los Angeles, CA with 343 reviews
Good
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.
51,29
star star star star star
4.9/5
Avvo
5.0
21 Reviews
Google Maps
4.9
322 Reviews
star star star star star
22 Jan, 2025 by Daniel pineda
Jack represented me on a child support case where I was being overcharged. Today he was able to reduce the monthly payment with little to no effort. I strongly recommend Jack and his team!
Read more Google Maps
star star star star star
20 Dec, 2024 by Maria flores
I especially appreciate Sarahi Nunez and her legal team, Alyssa, Christy and Melissa in assistant in establishing my living trust from the initial consultation with Sarahi Nunez to the final signing. Thank you all for your patience and answering my questions, the smooth scheduling of appointments and for making what could have been a stressful and confusion experience, surprisingly straightforward and stress-free. Thank you again for the excellent service. I will certainly recommend the Werner law firm to anyone seeking assistant with the state planning.
Read more Google Maps
star star star star star
13 Dec, 2024 by Jerry winegar
We were extremely happy with our choice of the Werner Law Firm after our process was completed. Alyssa was particularly professional, thorough and pleasant. The office staff worked around our schedule and made the process easy. I would recommend their services to anyone with estate planning needs. I will surely pass on my experience to my family and friends.
Read more Google Maps
See more
Daniel Joseph Weintraub, experienced Bankruptcy, Debt Settlement attorney in Los Angeles, CA with 41 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.
44,37
star star star star star
5.0/5
Avvo
5.0
11 Reviews
Google Maps
5.0
30 Reviews
star star star star star
18 Oct, 2024 by Sabina arzoomanian
I Had the pleasure working with Weintraub Zolkin Talerico & Selth, and I could not be more impressed with their level of professionalism, expertise, and dedication. From the moment I reached out, the entire team was responsive, attentive, and truly listened to my concerns. I would highly recommended WZTS to anyone in need of legal representation, whether you are facing a complicated legal issue or just need sound advice, this firm is the one you want on your side. Thank you so much
Read more Google Maps
star star star star star
29 Aug, 2024 by Rochelle sidney
From the initial conversation with Derrick Talerico to the conclusion of the process, I was consistently supported, cared for, and guided with professionalism and compassion. I wholeheartedly recommend this law firm and am incredibly grateful for their exceptional work.
Read more Google Maps
star star star star star
06 Jun, 2024 by Kristin kaiser
David Zolkin helped my company through a chapter 11 restructuring. He was kind, considerate, and went above and beyond. Is he $$$, yes. Does $$$ mean better? In this case, absolutely. We had 0 problems, mishaps, or difficulties with our case. It went smoothly. Beautifully. As beautiful as a giant mountain of stress can be. The mountain turned into a hill. The hill into a plain. And finally, our company was able to make the much needed change with the freed up cashflow from the stay, and from the debt restructure. If you're in doubt. Do it. I WISH I would have done it sooner. Don't be me. Just call.
Read more Google Maps
See more
Sanaz Sarah Bereliani, experienced Bankruptcy, Consumer Protection attorney in Los Angeles, CA with 62 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.
44,05
star star star star star
4.9/5
Avvo
5.0
23 Reviews
Google Maps
4.9
39 Reviews
star star star star star
24 Nov, 2024 by Anonymous
Sanaz was outstanding. She made us feel comfortable and welcomed . Explained all aspects of the legal system and where we stand. She knows her stuff and she delivers.
Read more Avvo
star star star star star
06 Nov, 2024 by David
I was looking around for a bankruptcy lawyer and glad I ended up going here.
Read more Google Maps
star star star star star
21 Aug, 2024 by Anonymous
Sanaz and her team were great! This was a rough time in my life and they were there to get me through it and do what was best. They were always quick to respond and answer my questions. I would highly recommend them.
Read more Avvo
See more
Michael Salanick, experienced Bankruptcy, Debt Settlement attorney in Los Angeles, CA with 54 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.
40,24
star star star star star
4.7/5
Avvo
5.0
20 Reviews
Google Maps
4.5
34 Reviews
star star star star star
20 Jan, 2025 by Luis rocha
The customer service is very disappointing! they really don't care about their client's that way they talk to me isn't profesional tha person didn't introduce herself
Read more Google Maps
star star star star star
06 Nov, 2024 by Edwin flores
The customer service is very disappointing! Do they really care about their clients? I feel unwelcome at this law office. They don’t respect people’s time and make you wait over an hour after you took the time to schedule the appointment. This is the 5th time they do this to me and it gets worse when they say wait for my call because they won’t call you. The bad part is that I Paid for the whole service already. Probably that is why they treat me like trash.
Read more Google Maps
star star star star star
14 Aug, 2024 by Christian macias
Excelente abogado rapido y economico tengo mi caso de visa u en ñas oficinas de huntington park numero dd caso 111760 atendido ppr AP
Read more Google Maps
See more
Pedram Amini, experienced Business, Debt Settlement attorney in Los Angeles, CA with 94 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.
40,21
star star star star star
4.7/5
Avvo
5.0
11 Reviews
Google Maps
4.7
83 Reviews
star star star star star
27 Aug, 2024 by Efe kiracı
Greetings can you please get back to me I have an urgent case I am short on time
Read more Google Maps
star star star star star
22 Jul, 2024 by Sebastian harrison
Worst most unethical attorney I have had the displeasure to have been associated with. He was my former wife's first attorney (until she fired him). Does the typical dance that unethical family law attorneys do which is to try to create chaos and havoc and hatred. We were attempting to have an amicable divorce but he did everything in his power (lying, restraining order) to cause a war. He even, get this as this is unbelievable, whispered in the ear of my attorney, "should we get them to sell the property." I overheard this in the hall of the courthouse. It was well discussed that the mutually owned property was going to be put in a trust for our son. He even admitted that he makes more money litigating. Word of caution, with his smooth talking and accent he can be convincing but don't believe a word he says. Don't say I didn't warn you.
Read more Google Maps
star star star star star
13 Jul, 2024 by Vadi efe
We had a consultation call with Mr Agopoglu - he is very helpful and gave us valuable feedback, including legal aspects, way of working and best practices in family law. Highly recommended.
Read more Google Maps
See more
Leon D Bayer, experienced Bankruptcy, Debt Settlement attorney in Los Angeles, CA with 21 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.
39,65
star star star star star
5.0/5
Avvo
5.0
21 Reviews
star star star star star
28 Sep, 2024 by Sarah
Leon was extremely kind, professional, thoughtful, and knowledgeable. I emailed asking for some advice regarding my husband's bankruptcy case, and he was able to give me really good advice without billing me for a bunch of unnecessary services. It was obvious that he is one of the best lawyers in his field, and possibly one of the best lawyers that you can go to in LA in general. If you have a bankruptcy case, don't hesitate to contact this firm.
Read more Avvo
star star star star star
15 Mar, 2024 by Hank c.
Leon is a wonderful attorney who guided me through one of the most difficult periods of my life with knowledge and kindness. His support staff, especially Liz, are just as terrific and capable.
Read more Avvo
star star star star star
07 Apr, 2023 by Anonymous
Leon and his team has been nothing but amazing! No one wants to make a choice to go through with bankruptcy, but sometimes, that's the only option available. My case was approved fairly quickly and the team answer all of questions throughout the process. My lawyer Leon readily offer for me to call him even on his days off - which I really appreciate. Being afraid and not knowing what to do, I was assured all the way. I highly recommend hiring Leon and his team! Do not attempt to do this bankruptcy process yourself!
Read more Avvo
See more
Sheila Esmaili, experienced Bankruptcy, Business attorney in Los Angeles, CA 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
28 Jan, 2022 by Anonymous
I don’t typically write any reviews but Shiela was so Amazing from the initial consult to the end of the case that she deserves people to know what a professional, compassionate, kind attorney she is. If your looking for the best attorney than stop looking. I liked her immediately because she listened without any judgments, she didn’t rush me off the phone, she really listened to my case. It was so refreshing to find an attorney that was so good at what they do, make your feel comfortable, and pass zero judgements and care all at the same time. She gives you the facts, helps you understand what to expect which helped me so much. I found Shiela after my previous attorney really messed up a simple case for me and made it beyond complicated. Shiela solved the problem, where most attorneys wouldn’t even want to get involved with someone else’s mess, but she took the time, helped us and solved our case. We are so happy with Shiela and appreciate her very much. Thank you so much for all your help.
Read more Avvo
star star star star star
16 Dec, 2021 by Neda
My nanny was having some issues and needed to file for bankruptcy. I immediately thought of Sheila and thank god I did. She helped her with her case quickly and smoothly. She was always available to answer her questions and let me bug her on off hours too. My nanny only speaks Farsi, Shiela spent the time to translate everything for her, which she was relieved and forever grateful for. Thank you Sheila for everything!
Read more Avvo
star star star star star
19 May, 2021 by Robert
I cannot say enough good things about Sheila. She helped me through every step of the Bankruptcy process and went above and beyond the call of duty. She made the process easy from start to finish. She was always a call or text away to help me with any questions or concerns I had in regards to my Bankruptcy. I can’t thank her enough for her help and I highly recommend Sheila.
Read more Avvo
See more
Nicholas Joseph Bontrager, experienced Class Action, Credit Repair attorney in Los Angeles, CA with 19 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.
39,59
star star star star star
5.0/5
Avvo
5.0
19 Reviews
star star star star star
10 Oct, 2022 by Natashia
I think Nick Bontrager was the best for me when I hired him. He is vary knowledge and professional. I really happy to work with him. If need again I will hire him. Highly recommend his work.
Read more Avvo
star star star star star
05 Dec, 2021 by Anonymous
I contacted Martin & Bontrager Law Firm regarding creditor harassment calls. Nick and his team were absolutely exceptional with settling several cases successfully, they were dynamic, trustworthy, reliable, responsive and went above and beyond. They recommended Sanaz for support with filing Chapter 7 Bankruptcy and worked together with her and her team to support me in the process. The entire team worked in cohesion and cooperation. My consumer debt was successfully discharged and I received money by settling a harassment cases by the great work of Nick andTom. I felt they looked out for me, crossed every t's and dotted every i's. Thank you so much! I highly recommend hiring them!
Read more Avvo
star star star star star
06 Aug, 2019 by Justin
I had reached out to the firm after a collector... would not stop! 3-4 calls per day, you might have a similar situation; ?? and I must say the personalized and FAST service- was outstanding. The end result was better than hoped; and I know that if you take the time to consult with Nick and his firm- you have now found your attorney. Spare yourself the exhaustion of looking further. Seriously- I could not be happier with the whole process, their "attitude". Extremely professional- call them! Glad I did, you will be too. That was my experience.
Read more Avvo
See more
Benjamin Seth Nachimson, experienced Bankruptcy, Debt Collection attorney in Los Angeles, CA with 4 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.
39,12
star star star star star
5.0/5
Avvo
5.0
4 Reviews
star star star star star
08 Apr, 2020 by Ira
He handles our objection to a bankruptcy and got it dismissed as a bad faith filing, which it was. He handled further proceedings on the judgment that provided the impetus for the bad faith bankruptcy and got the appeal dismissed. He is experienced, competent and responsive.
Read more Avvo
star star star star star
03 Apr, 2020 by David
Ben is helping me collecting on a Judgment. He has is patient and thorough and always available to answer my questions through e-mail, text or just picking up the phone. I would highly recommend him to anyone looking a great attorney.
Read more Avvo
star star star star star
03 Apr, 2020 by Swaneel
I would highly recommend Ben to anyone seeking legal representation that is fair and who wants someone that will keep your best interest and unique needs at the forefront. Honest, trustworthy and very straight forward is what Ben is. In unvarnished truth he will tell you exactly where you stand and what direction you should go. He has tenacity coupled with a degree of tenderness but never losing site of the end goal, which is to protect, defend and have the best outcome for his client. I will now only seek Ben and and Woolf & Nachimson's advise whenever a need arises for legal services and further counsel for any sort of business related issues. I would not hesitate to seek representation from Ben Nachimson again.
Read more Avvo
See more
Eliza Ghanooni, experienced Debt Settlement attorney in Los Angeles, CA with 2 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.
39,06
star star star star star
5.0/5
Avvo
5.0
2 Reviews
star star star star star
15 Dec, 2024 by Edward
Eliza is an amazing bankruptcy attorney! Thank you so much. Bankruptcy was such a hard decision for me to make. It took me a year to reach out to lawyers, but once I spoke with her, I knew she was the one. The moment I talked to her, she put me at ease and explained the whole situation. After our call, I realized how unnecessary it was to spend an entire year tormenting myself and feeling ashamed. For anyone on the fence, just reach out to her. It's not as bad as you think. Life happens to everyone. The whole process was seamless with her. She made sure I did everything on my end and got my bankruptcy discharged fairly quickly. I would highly recommend her for her professionalism, but even more for how much she truly cares. Give her a call, you won't be disappointed!
Read more Avvo
star star star star star
30 Jul, 2024 by Evan
Efficient, caring, and thorough while going through any/all steps during our time working together. Eliza and her team were wonderful to work with, and I would without doubt recommend them to anyone. Very happy with their services.
Read more Avvo
See more
Shalom Rubanowitz, experienced Debt Settlement, Foreclosure attorney in Los Angeles, CA with 1 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.
39,03
star star star star star
5.0/5
Avvo
5.0
1 Reviews
star star star star star
12 Sep, 2013 by Anonymous
He is great to work with and extremely professional and knowledgeable in his field. I highly recommend him to anyone looking for an overall extraordinary lawyer!
Read more Avvo
See more
Christopher Choi, experienced Bankruptcy, Debt Settlement attorney in Los Angeles, CA with 1 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.
35,03
star star star star star
5.0/5
Avvo
5.0
1 Reviews
star star star star star
02 Sep, 2015 by Anonymous
Thank you for showing me the end of the tunnel, I can't be happier with my situation now. Thank you so much and hope all the best for you too.
Read more Avvo
See more
Douglas Michael Hanchar, experienced Business, Debt Collection attorney in Los Angeles, CA with 2 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.
28,50
star star star star star
3.5/5
Google Maps
3.5
2 Reviews
star star star star star
25 Jun, 2022 by Felicia ball lyons
Google Maps
star star star star star
04 Jan, 2020 by Vincent shang
Google Maps
See more
Garrett Forrester Charity, experienced Debt Settlement attorney in Los Angeles, CA with 12 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.
22,96
star star star star star
3.8/5
Google Maps
3.8
12 Reviews
star star star star star
20 Jun, 2024 by Starseed
Google Maps
star star star star star
31 May, 2023 by Derek crownover
Google Maps
star star star star star
10 Feb, 2023 by Martin mulvihill
Applied for a paralegal position here. Great group of people. Shout out to Paul & Alyse.
Read more Google Maps
See more
Vivian Ming Lum, experienced Debt Settlement attorney in Los Angeles, CA 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.
4,00
star star star star star
0.0/5
See more
O'Malley Murray Miller, experienced Debt Settlement, Financial Markets And Services attorney in Los Angeles, CA 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.
4,00
star star star star star
0.0/5
See more
Robert M. Saunders, experienced Bankruptcy, Business attorney in Los Angeles, CA 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.
4,00
star star star star star
0.0/5
See more
J Rudy Freeman, experienced Bankruptcy, Business attorney in Los Angeles, CA 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.
4,00
star star star star star
0.0/5
See more
Sheila Esmaili, experienced Bankruptcy, Business attorney in Los Angeles, CA 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.
4,00
star star star star star
0.0/5
See more
Brian Rene Linnekens, experienced Business, Debt Settlement attorney in Los Angeles, CA 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.
4,00
star star star star star
0.0/5
See more
Daren M Schlecter, experienced Bankruptcy, Business attorney in Los Angeles, CA 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.
4,00
star star star star star
0.0/5
See more
Aleksandra Maria Hilvert, experienced Debt Settlement, Entertainment attorney in Los Angeles, CA 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.
4,00
star star star star star
0.0/5
See more
Cary Michael Johnson, experienced Business, Car Accident attorney in Los Angeles, CA 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.
4,00
star star star star star
0.0/5
See more
Jor Law, experienced Business, Debt Settlement attorney in Los Angeles, CA 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.
4,00
star star star star star
0.0/5
See more
Sunghyun Michael Yang, experienced Bankruptcy, Business attorney in Los Angeles, CA 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
See more
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

  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.

Scroll to top