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09 Aug, 2024 by Natali priscilla
Super easy to work with. Professional and experienced. My first time filing was a breeze. 👍 payment plan was very helpful. Would recommend to anyone.
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14 Jun, 2024 by Doris whitefield
Thank you so much! The instructions were detailed and easy to follow!
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13 Dec, 2023 by Jose panuco
Hola mi nombre es maria Hernandez y la señora dueñas me ayudo muchisimo con mi caso no tube que esperar para que me ayudara y siempre que le yamaba por teléfono siempre me contestaba rapido es muy buena abogada realmente la recomiendo muchisimo quien ocupe de sus serbisios no se arrepentira de aber tomado su servisios muchas gracias señora dueñas y a todo su equipo mil mil gracias.
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25 Apr, 2018 by Anonymous
My case was a credit card debt. I was sued in another state, they tried to enter the judgment in California. I made an appointment with Fitzgerald and Campbell, they explained to me the meaning of the law suit and made all research about the case and prepared a perfect strategic for the case and We WON. Then they appealed and We WON again. Let me tell you. You are in the BEST HANDS an Excellent law firm.
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07 Dec, 2017 by Anonymous
Greg has helped us so much with a really bad situation we were in. I can't even believe I am saying this about an attorney (no offense to attorneys but...) he is actually caring, helpful, and honest. He spent so much time listening to our circumstances and answering questions before we even retained him. I was so impressed by his knowledge and honesty, and compassion for our dire situation. He does not BS, sugar coat things, or make false promises, he is the real deal. If you are like me and look at reviews before hiring an attorney, I want you to know there is a reason why he has such great ratings on multiple review platforms, which is also why I called him in the first place. Hope this review helps someone find a great attorney when they need one!
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08 Mar, 2017 by Anonymous
When I really needed help. Associate April Inlow worked so very hard to help me settle my issue. When I call or just email April was always there for me. The whole entire staff was outstanding. I highly recommend anyone who need assistant please contact Fritzgerld and Campbell. Trust me you will be very satisfied.
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30 Dec, 2023 by Tom
It was nice to speak with the attorney, Sam, that would be handling my case. Most firms you need to speak to an admin or they're just in a rush to get you signed up at exorbitant rates. Sam got right to the point and impressed me with his knowledge. And that fact that his rates are more reasonable made it a no-brainer.
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27 Jan, 2023 by Yolanda beltran
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01 Feb, 2021 by Anonymous
Sam is a fighter and at the top of his game! Very professional and Sam Dehbozorgi is an absolute fighter against these junk debt buyers. If you are facing a significant lawsuit you must go with Sam. These junk debt buyers are absolute crooks, and Sam knows how to attack these crooked organizations. Without hesitation reach out so they could immediately answer the complaint. Sam knows the legal process and no joke they picked apart my specific case and took it to them with absolute professionalism and understanding of CA consumer law. Sam is amazing and would absolutely have him represent me anytime!
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10 Aug, 2013 by Ken simms
At the time I met Misty I was involved in a complicated Bankruptcy case pertaining to Probate matters that had been in dispute for three years. My court case at that time had cost me in the upper dollar amount of 80K, paying three pervious attorneys to defend me. Due to the complications of my Bankruptcy and Probate case none of my previous three attorneys seemed to know how to end the case filed against me so that I could have my Bankruptcy approved and Probate case closed. After meeting with Misty she explained the complications of my case. The litigants who filed the case against me were using the Bankruptcy courts to continue their Probate arguments thus effectively not allowing me to complete my Bankruptcy and settle the Probate case. I was being audited by the U.S. Trustee and sued in Bankruptcy Court for probate matters. Misty immediately contacted the U.S. Trustee who was auditing me, meeting all the Audit requirements she was able to have my Bankruptcy audit approved with no penalties or disagreements all within weeks. She then began to work on a strategy to have my Bankruptcy converted to a Chapter 13 that effectively ended the dispute regarding the Probate case. Misty strategy worked my Bankruptcy was approved and the Probate case that had been an open court case for three years was settle and approved also. I personally be leave if Misty was my attorney during the initial opening of my case it would not had lasted three years and cost me 80K. Her dedication to clients, her morals and honesty far exceeds her peers. Misty is an attorney that sees more than a client, she involves her self in a case as if it were personal and treats her clients like family, she is an attorney that takes action and truly wants a resolution in the best interest of her client.
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15 May, 2013 by Stephen
Misty was outstanding in helping me with my bankruptcy. In the course of my business (real estate), I have worked with many lawyers, and in general I do not have a high opinion of attorneys. Misty is an exception - not only did she handle my complex case (dozens of assets, 30+ creditors, community property issues) very skillfully, she also managed my fears and concerns with compassion and understanding. When a creditor unexpectedly disputed the bk, she helped me in my decision to settle. I have referred her since to my clients, and she did an outstanding job for them as well, in filing some removals of liens.
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15 May, 2013 by Mark
Misty Ann Perry-Isaacson helped my wife and I during a difficult time. We had to declare bankruptcy and she helped us get through it. We weren't sure if it would affect our business or how it would affect our lives. She was very professional, knowledgeable and compassionate. I would highly recommend her to anyone that was in our position. She made everything very easy to understand and kept us updated as we waited for the bankruptcy to be discharged.
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27 Jan, 2023 by Yolanda beltran
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25 Jun, 2022 by T. dao
Mr. C Peters took care of my case with a clear strategy. He executed with precision and followed through with everything he promised when he first accepted my case. He always responded promptly, usually with in a few hours of an email, and phone calls schedule was always on time. Hire him, he will take good care of your case. T. Dao
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25 Jul, 2017 by Tony
He is incredible! If you're in need of an attorney, Mr. C Peters is the one! I had hired him on for a case of mine that I don't need to get into but in short, my good nature was taken advantage of which resulted in litigation. If I had gone anywhere else, I don't think it would have worked out the same. I say that b/c, being in business for years prior to this problem arising, I'd hired many attorneys and I'd also usually end up firing them as well. They were useless, to say the least. Constantly arguing with my point of view, forgetful, billing me constantly but could never produce any meaningful bills. It turns out that one of them was actually a friends with the opposing side's attorney! Yeah, that worked out well. For those 2! Anyway, Mr. Peter's was there the entire time. He listened, was intelligent and kind to my money problems during the process. It was pure luck that I came across him but should I ever need anyone in the future, he's the one. Please do yourselves a favor and bring him on as your representation. An all around, wonderful human being!
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19 Jan, 2014 by Ken dickson
I've never heard of anyone who'd been mentally ill having their firearm rights restored, but my team of Attorneys Paul Hecht and Bill Conner delivered! I can almost hear everyone exclaiming "What?" in shocked disbelief with all the negative mental health publicity these days. So, let me clarify: in 2011, I underwent surgery. That surgery and adverse reactions to medications led to my temporary mental illness which lasted only a few weeks. I've been back at work as a successful engineer for several years, but that brief bout caused me to lose my gun rights. Sincerely, Author: Ken
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09 Dec, 2013 by Matt
I am an extremely satisfied client. Paul William Hecht and his staff went above and beyond what can be expected for their reasonable fee. My case was tougher than average and they were straight-forward with me before any fees were paid. Thanks to their incredibly hard work, and despite opposition from the DA, they achieved the results I hoped for. I will be forever grateful and feel like the weight of the world is off my shoulders. There truly are no words to adequately express just how thankful and pleased I am.
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13 Jul, 2012 by Anonymous
Paul Hecht filed a complete and concise motion before the court allowing the Judge, and District Attorney, to effeciently understand the facts and circumstances of my situtation resulting in my motion being granted. Mr. Hecht took the time nescessary to understand all the relevant facts of my situtation so they could be properly conveyed before the court resulting in the best outsome possible.
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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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