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Edgar I Hall, experienced Bankruptcy, Business attorney in Seattle, WA with 107 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.
47,31
star star star star star
4.8/5
Avvo
5.0
20 Reviews
Google Maps
4.8
87 Reviews
star star star star star
10 Feb, 2025 by Manjit chakraborty
I am profoundly grateful to Katya and her team at Stelmakh & Associates for their outstanding support and professionalism in assisting me with my EB1A petition. The team demonstrated strategic and proactive approaches, providing invaluable guidance throughout the process. They took time to always respond to my queries and valued my input at the same time. My EB1A petition was approved in just six business days! I am now moving towards achieving my long-term goals. If you are looking for a professional, approachable, and dedicated team committed to your success, I highly recommend Stelmakh & Associates.
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10 Feb, 2025 by Aswathi krishna
Katya and her team were absolutely fantastic to work with on my husband’s immigration petition. After discussing the EB1A process with colleagues, he consulted multiple lawyers, and Katya stood out as the most logical and practical choice. She was incredibly thorough in identifying and emphasizing the strongest aspects of his profile, including his achievements in the tech industry and his time at MIT. Maddalena, was also extremely helpful throughout the process, ensuring everything was well-organized and on track. The EB1A process requires significant effort and patience, but Katya’s meticulous attention to detail and strategic guidance made all the difference. We’re truly grateful for the hard work and support of Katya, Maddalena, and the entire team, and I highly recommend Stelmakh & Associates to anyone pursuing the EB1A route with a strong case.
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31 Jan, 2025 by Priy ranjan
I approached Stelmakh & Associates with the challenge of obtaining an O-1A visa, a process known for its complexity and stringent requirements. After researching various law firms, I chose Stelmakh & Associates due to their stellar reputation and extensive experience in handling O-1A cases. Their team meticulously guided me through each step, providing clear instructions and promptly addressing all my concerns. Their expertise and dedication not only led to the approval of my O-1A visa but also significantly impacted my professional journey, allowing me to continue my work in the United States without interruption. I highly recommend Stelmakh & Associates to anyone seeking reliable and proficient immigration legal services.
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Richard James Symmes, experienced Bankruptcy, Credit Repair attorney in Seattle, WA with 332 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.
44,46
star star star star star
4.9/5
Avvo
5.0
27 Reviews
Google Maps
4.9
305 Reviews
star star star star star
06 Jan, 2025 by Jaso a
Richard was very professional and knowledgeable. I consulted multiple personal BK attorneys, his knowledge and experience got me the best possible results. He was very prompt and always immediately replied to questions.
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06 Jan, 2025 by Bc
I can’t recommend Richard enough! He guided me through the bankruptcy process with patience and expertise, making a difficult and stressful time much more manageable. His clear communication and prompt responses gave me confidence every step of the way. I’m so grateful for his support and professionalism in helping me achieve a fresh start.
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16 Dec, 2024 by Pat wodaege
Appreciated his expertise and extremely prompt responses to all my questions and concerns
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Thomas Martin Morningstar, experienced Bankruptcy, Business attorney in Seattle, WA with 95 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.
42,94
star star star star star
4.8/5
Avvo
5.0
8 Reviews
Google Maps
4.8
87 Reviews
star star star star star
10 Feb, 2025 by Manjit chakraborty
I am profoundly grateful to Katya and her team at Stelmakh & Associates for their outstanding support and professionalism in assisting me with my EB1A petition. The team demonstrated strategic and proactive approaches, providing invaluable guidance throughout the process. They took time to always respond to my queries and valued my input at the same time. My EB1A petition was approved in just six business days! I am now moving towards achieving my long-term goals. If you are looking for a professional, approachable, and dedicated team committed to your success, I highly recommend Stelmakh & Associates.
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10 Feb, 2025 by Aswathi krishna
Katya and her team were absolutely fantastic to work with on my husband’s immigration petition. After discussing the EB1A process with colleagues, he consulted multiple lawyers, and Katya stood out as the most logical and practical choice. She was incredibly thorough in identifying and emphasizing the strongest aspects of his profile, including his achievements in the tech industry and his time at MIT. Maddalena, was also extremely helpful throughout the process, ensuring everything was well-organized and on track. The EB1A process requires significant effort and patience, but Katya’s meticulous attention to detail and strategic guidance made all the difference. We’re truly grateful for the hard work and support of Katya, Maddalena, and the entire team, and I highly recommend Stelmakh & Associates to anyone pursuing the EB1A route with a strong case.
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31 Jan, 2025 by Priy ranjan
I approached Stelmakh & Associates with the challenge of obtaining an O-1A visa, a process known for its complexity and stringent requirements. After researching various law firms, I chose Stelmakh & Associates due to their stellar reputation and extensive experience in handling O-1A cases. Their team meticulously guided me through each step, providing clear instructions and promptly addressing all my concerns. Their expertise and dedication not only led to the approval of my O-1A visa but also significantly impacted my professional journey, allowing me to continue my work in the United States without interruption. I highly recommend Stelmakh & Associates to anyone seeking reliable and proficient immigration legal services.
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Jacob D DeGraaff, experienced Bankruptcy, Debt Settlement attorney in Seattle, WA with 38 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.
40,00
star star star star star
4.7/5
Avvo
5.0
9 Reviews
Google Maps
4.6
29 Reviews
star star star star star
21 May, 2024 by Shannon j
Mr. Karimi is a down to earth lawyer that will fight for justice. I hate the reason for having to hire him, but I'm glad I did.
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21 May, 2024 by Gwen hull
Great attorney, listened to me and my needs. He was by my side the entire process. He got my felony dismissed. My life would have been ruined if I didn’t have Mr Karimi on my case.
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23 Feb, 2024 by Satisfied chapter 11 clients
Jacob helped my husband I through our Chapter 11 Bankruptcy. HIs honesty and willingness to change directions with our circumstances is a true testament to his flexibility and commitment to work with his clients for their best life results. Jacob was always focused on our needs and desires concerning our real estate. Our rental portfolio was 3 rental properties but our circumstances were complicated and he treated us with the utmost care. We strongly recommend Jacob as a knowledgable yet open minded attorney. He is not an income driven attorney, but an attorney that gives great value and caring as his greatest assets. He works hard to get his clients the best result possible!
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Lance Leih Yu Lee, experienced Bankruptcy, Debt Settlement attorney in Seattle, WA with 158 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.
39,89
star star star star star
4.6/5
Avvo
5.0
21 Reviews
Google Maps
4.6
137 Reviews
star star star star star
17 Nov, 2024 by Stephanie
I’ve referred a number of people to the Marshall Defense Firm over the years and, without exception, their feedback concerning the firm’s service has been exceptional. The terms I hear consistently are expert, professional, intelligent, sensitive and caring. Honestly, it’s a combination of traits which I see rarely see in law firms I deal with. What a huge compliment to the firm’s legal and life philosophy.
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05 Nov, 2024 by Tonya edwards
SMDH .. no wonder why attorneys are broke😂
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08 Oct, 2024 by Kellie erlandson
I was involved in a collision with an uninsured motorist in Fall 2023. At the advise of a friend, I contacted Andrew Cherin to assist me with the claim mediation with both my auto insurance and my health insurance. He was able to claim me the maximum payout from my auto insurance, and got my health insurance to waive any reimbursement out of the auto claim! I am positive things would not have gone as well as they did without his help. I pray that I never need his services again, but for sure know that he's the one I would call if I do!
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Jamie J. Mcfarlane, experienced Bankruptcy, Debt Settlement attorney in Seattle, WA with 15 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.
39,46
star star star star star
5.0/5
Avvo
5.0
15 Reviews
star star star star star
20 Dec, 2024 by Mark
To start with, Jamie was referred by my auto accident lawyer. Jamie was highly recommended by him. Jamie helped me get my finances/assets in order in case of litigation. My insurance claim adjustor said that with Jamie's name attached, the other law firms took notice! Jamie not only got my financialaffairs in order, he worked with my auto claim lawyers. Jamie was not only professional, he was very sympathetic and understanding and assisted me with a situation I had never dealt with. I was so fortunate to have Jamie in my corner. He also was very attentive and prompt getting back to me with numerous questions I had. If I could give 10 stars, I would. He's the best!
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06 Mar, 2024 by Leslie
As a retired lawyer lacking bankruptcy expertise, I asked friends to recommend a Seattle bankruptcy lawyer to advise my brother on his medical debt incurred after emergency surgery and a month-long hospital stay. Jamie came highly recommended and I couldn't be more satisfied with the advice he gave us.
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22 Sep, 2022 by Andy
The process of winding up your business is elaborate and difficult. You can tell instantly that Jamie has the experience needed to guide people through this process. It is emotional and stressful but knowing you are getting good advice and assistance is priceless. He was very professional and extremely responsive which makes a huge difference. I've worked with many attorneys that take days to respond and that is just added and unneeded stress. I will definitely recommend Jamie to my friends, family and colleagues.
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Samuel Robert Leonard, experienced Consumer Protection, Debt Settlement attorney in Seattle, WA with 9 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.
39,28
star star star star star
5.0/5
Avvo
5.0
9 Reviews
star star star star star
14 Aug, 2021 by Carol
I spent months working with Sleepers In Seattle trying to resolve a delivery issue and got nowhere. I hired Sam and he resolved the issue immediately and I received a full refund. I appreciated Sam's help very much, I would give him more stars if I could.
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18 Feb, 2021 by Duane
I had some issues come up a few different times and Sam was straight to the point ! He gave me great info and I followed his lead and it all worked out great in the end. Peace&Love to one of the great in the NW. Go hawks!!!
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28 Sep, 2018 by Heather
I had an issue with a collection agency. I was referred to Sam via Legal Aid because I actually had a case against the collection agency and didn't even know it! He helped me understand the complexities of my case, handled everything, made no decisions with my consent, and safeguarded me through the process. I felt protected. My journey with this collection agency was years long, but Sam had experience with them and knew how to deal with them. He never pushed me to make a decision one way or the other. We discussed all of my options and moved forward only after I felt comfortable with the information provided and was sure about the next step. He is hard working, thorough, generous with his knowledge so that I had full understanding, patient, respectful, and kind. You won't find a better attorney.
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Chad Smithson, experienced Business, Criminal Defense attorney in Seattle, WA with 9 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.
39,28
star star star star star
5.0/5
Avvo
5.0
9 Reviews
star star star star star
07 Jun, 2017 by Anonymous
Very knowledgeable and helpful. Prompt and professional. Could not ask for a better rep should you need him. 5 + Stars!
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08 May, 2015 by Shashi
My hospital screwed up medical billing andlong story it went to collections when it shod not have He was able to talk to the collection agency and resolve the matter speedily.
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22 Jan, 2014 by Aklilu
Chad is awesome to work with. From the start he gave me a realistic expectation on my case outcome and updated me with any development throughout the case. I will recommend him to any of my family/friends. Thanks Chad for all your help…....
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Pamela Jean Ornstil, experienced Debt Settlement, Litigation attorney in Seattle, WA 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
16 Mar, 2016 by Phillip
I am waiting for the weekend or weeknight where Pamela is able to walk away from her cases. Whether it is returning emails or researching "one last thing" before sitting down for dinner, Pamela is truly committed to ensuring her clients get the best representation possible.
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22 Jun, 2015 by Jonathan
Attorney Pamela Ornstil, is a very professional, conscientious, and hard-working attorney. She is currently working on a case for my mother-in-law, and is very good explaining options and details of the case, and communicating with her. Pamela is a dedicated respected attorney in her field.
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Shannon Riddell Wing, experienced Bankruptcy, Consumer Protection attorney in Seattle, WA 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.
38,87
star star star star star
4.6/5
Avvo
4.9
13 Reviews
Google Maps
4.0
8 Reviews
star star star star star
21 Mar, 2024 by Casey day
Jay goes above and beyond to help people. I worked with Jay in the past with a slip and fall at a major retailer where I was injured. He handled the case with ease and kept me informed every step. He won the case and made sure to explain every detail. Recently I was in a car accident out of state and Jay was a wealth of knowledge to help me again. It's hard to find legal help that cares. Jay falls into that rare breed. Look no further, give him a call.
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31 Mar, 2023 by Raina bayas
I'm an attorney in Colorado and called Jay about a case I am contemplating taking on. He's very knowledgeable and provided me exceptional guidance. I would not hesitate to hire him.
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16 Oct, 2022 by My lea
Was a tremendous help. Went above and beyond. His guidance, time and knowledge were a great value
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Christina Latta Henry, experienced Appeals, Debt Settlement attorney in Seattle, WA with 44 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.
38,57
star star star star star
4.5/5
Avvo
4.5
15 Reviews
Google Maps
4.6
29 Reviews
star star star star star
21 May, 2024 by Shannon j
Mr. Karimi is a down to earth lawyer that will fight for justice. I hate the reason for having to hire him, but I'm glad I did.
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star star star star star
21 May, 2024 by Gwen hull
Great attorney, listened to me and my needs. He was by my side the entire process. He got my felony dismissed. My life would have been ruined if I didn’t have Mr Karimi on my case.
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07 Jun, 2023 by Julian cc
Bridget is too professional, it seems to me that she loves the profession, from the first moment she makes you feel like family, I highly recommend her and Miya her assistant is a great team
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Martin Sjolie, experienced Business, Debt Settlement attorney in Seattle, WA with 45 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.
28,33
star star star star star
4.1/5
Avvo
5.0
1 Reviews
Google Maps
4.1
44 Reviews
star star star star star
24 Jan, 2025 by Will a
Hello... I just drove from Issaquah to North gate to speak directly to this firm... the lady who is asian told me by phone I could come up to speak to her... Why because I need an lawyer.... I come up to 2nd floor and this asian guy open the door in a defensive position.... Darryl Parker they say is retiring... but regardless there are signs stating civil rights... And these folks who are asian working for this lawyer are very rude and seem to be uncomfortable when dealing with a blk man or just a man with no color who needs info on a lawyer... They claim to have more lawyers.. this is why I had came.... facts...
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22 Jan, 2025 by Sandra belcher
I'll never forget how you treated me and my son Darrell. Thank God for Dr. Adams and the Judge on my case...
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10 Jan, 2025 by Blake emtage
Lee Brettin with Brettin Law Services is hands down the best attorney I’ve ever worked with for real estate and business matters. Over the years, I’ve relied on Lee for countless real estate transactions and various business needs, and he has consistently delivered top-notch results. Lee’s deep knowledge of real estate and business law is truly impressive. He anticipates potential challenges, explains complex legal matters in a way that’s easy to understand, and always ensures that every detail is handled flawlessly. Whether it’s reviewing contracts, negotiating deals, or providing strategic advice, Lee’s expertise and professionalism are unmatched. What I appreciate most is his responsiveness and genuine dedication to his clients. No matter how big or small the matter, I always feel like I’m his top priority. If you’re looking for a skilled, trustworthy, and results-driven attorney for your real estate or business needs, Lee Brettin is the one to call. Thank you, Lee, for your incredible work—I can’t imagine navigating these areas without you!
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Joshua Lohec Turnham, experienced Bankruptcy, Consumer Protection attorney in Seattle, WA with 0 reviews
Below 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.
4,00
star star star star star
0.0/5
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Joel Cartwright Merkel, experienced Business, Debt Collection attorney in Seattle, WA 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
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Milena Marie Vill, experienced Debt Collection, Debt Settlement attorney in Seattle, WA 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
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Kevin Clifford Eggers, experienced Business, Consumer Protection attorney in Seattle, WA 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
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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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