Filter by

star star star star star
21 Jun, 2012 by Andrea
Labros Politis completed a will and other associated documents for my family. He answered my questions and handled my concerns professionally and with compassion. I appreciated Lambros' help with legal needs that I had neglected for too long. I anticipate using his office for future legal needs as they come up.
Read more Avvo
star star star star star
07 Jun, 2012 by Geoffrey
I have turned to Mr Politis for help with both personal legal issues as well as for assistance with legal matters related to two small businesses that I own and operate. He has, without exception, always provided me with the highest level of professionalism, responsiveness, and expert representation of the highest order. I have, and will continue to recommend his services to friends, colleagues, and family without hesitation or reservation.
Read more Avvo
star star star star star
06 Jun, 2012 by Michelle
Confidence, trust and faith in the ability of your attorney to handle personal matters is of the utmost importance in planning for future events. Lambros exceeds my expectations and has genuine care and concern.
Read more Avvo
See more
star star star star star
12 Feb, 2021 by Michelle
I have always been impressed with Tim Sutherland. He has the ability to not only complete the task at hand but to do it with compassionate sensitivity and delivery with authority demanding nothing but the respect he deserves. He in my opinion is a class above the rest. I wouldn't expect anything but the best hands down bar none he is a man of his word and an example to follow.
Read more Avvo
star star star star star
07 Aug, 2011 by Liz
Tim worked extremely hard for my family and I in regard to a domain squatting/ trademark issue we encountered. He is knowledgeable and patient and worked consistently to help us positively resolve an unexpected, extremely important business issue. I was especially impressed by Tim's personalized, thorough, knowledgeable, and quick attention. He is directly responsible for repairing a vital part of our business that we were very concerned about. We are VERY impressed with Tim's professional, kind, and intelligent work. We appreciate his exceptional efforts and results very much. I really can't say enough positive words about Tim's work. Both my family and I deeply appreciate the level of care, concern, and patience Tim provided. We are so happy with the positive results that were accomplished as the result of his help. Thank you Tim!!!!
Read more Avvo
star star star star star
03 Nov, 2010 by Michelle
Mr. Sutherland was amazing!! I had worked with another attorney for over a year who did not help me or listen to my needs! Within 4 weeks of hiring Tim, he had changed my situation for the better!!! He always called me back (often calling me before I had a chance to call him) and was very honest and realistic with my case. He took my case at the last minute was very understanding about finances. He put in SO much effort to learn my case inside and out in such a short time. Not often do you meet lawyers that honestly care! It is odd for me to say honesty and lawyer in the same sentence!! Tim Sutherland is that... HONEST and hard working. He really cared and I will forever be greatful for that!!
Read more Avvo
See more
star star star star star
30 May, 2024 by Jackie
I can’t recommend Erica highly enough. From the moment I stepped into her office, I knew I was in capable hands. Erica immediately fostered a sense of trust and transparency that allowed me to feel informed and empowered every step of the way. From the beginning, she was readily available to address any concerns or questions I had, providing timely and insightful guidance that proved invaluable throughout the process. Erica has unparalleled professionalism and unwavering dedication to their clients. She listened attentively and empathized with the complexities of my case. Throughout the process, I felt understood and supported, which comforted me during such a difficult time. In addition to her legal prowess, Erica exhibited genuine compassion and care for me. Her unwavering support and encouragement helped me navigate the emotional challenges with strength and resilience. Her expertise in family law is evident in her attention to detail and thorough understanding of the legal intricacies surrounding divorce proceedings. I am immensely grateful for Erica’s exceptional representation and would not hesitate to recommend her to anyone in need of a family lawyer.
Read more Avvo
star star star star star
08 Aug, 2023 by Matt
I thank God that Erica came into my life! If you are looking for a person who will fight for you, not give up, and win, then I say look no further! I was going through one of the most painful times in my life. My kids, my retirement and my name was on the line and she did not once give up on me. Erica went above and beyond what you would expect a lawyer to do, which is not only for fight, but fight with her heart and conviction! She believed in me, when I did not believe in myself, and showed the judge that I was not the person who I was portrayed to be. If you were like me, going through hell, I suggest you give her a call. On a personal note: Please don't give up on yourself, there is always another day and one day you too, shall find happiness again. Thank you from the bottom of my heart Erica!
Read more Avvo
star star star star star
03 Jun, 2021 by Anonymous
Erica doesn’t seem to know family law or the court system. Due her her negligence, my divorce case is drawn out an additional 4 months. I switched lawyers due to her excessive billing. After going through the court process with another attorney for comparison, I am more confident that Erica is lacking in knowledge and over bills for her time.
Read more Avvo
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