Best Debt Settlement lawyers in Washington

33 Debt Settlement Lawyers in Washington

>33

experienced lawyers

Francis G Huguenin

3113 Rockefeller Avenue, Everett, WA

Business Consumer Protection Debt Settlement +3 +6

5.0/5

5.0

20 Reviews

26 May, 2022 by Michelle

Our business is very niche, so our legal requirements are can be complex, unusual and take time. Frank streamlines the legal process, helps us make strong Legal and Business decisions. More importantly they have help us collect on Tens of Thousands of dollars of Loss of Use revenue and damage claims. It is nice to know that we have a Law firm that works hard for us and cares about our financial profitability. I would highly recommend Frank and his group they are simply fantastic.

11 Apr, 2022 by Adam

Frank was very helpful during our initial call and went above and beyond to clarify my situation, I would recommend Frank to anyone.

04 Apr, 2022 by David

I had a surprise wage garnishment happen and Frank helped me navigate the waters in verifying it was legit and facilitating a settlement. Frank is very knowledgeable with debt collection matters. His expertise was extremely valuable and very much appreciated. He went above and beyond with his service, and I was very happy with the results. I would definitely hire Frank again.

Jamie J. Mcfarlane

1601 5th Ave, Suite 610, Seattle, WA

Bankruptcy Debt Settlement Litigation +3

5.0/5

5.0

14 Reviews

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.

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.

06 Jul, 2021 by David

I just called his office for an initial consultation concerning whether he would take on a small debt collection case. He was very patient in explaining all the potential ramifications and what he would advise as some good courses of actions. I have a lot of respect for this lawyer and will definitely be reaching out to him if I need any larger debt cases worth taking on.

Samuel Robert Leonard

9030 35th Ave SW, Seattle, WA

Consumer Protection Debt Settlement Foreclosure +3

5.0/5

5.0

9 Reviews

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.

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!!!

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.

Lambros Andreas Politis

621 Pacific Ave, Tacoma, WA

Bankruptcy Debt Settlement Real Estate +3

5.0/5

5.0

9 Reviews

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.

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.

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.

Chad Smithson

7476 S 118 Pl, Seattle, WA

Business Criminal Defense Debt Settlement +3

5.0/5

5.0

9 Reviews

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!

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.

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…....

Anna H Waendelin

19125 SE 34th St Ste 106-107, Camas, WA

Business Debt Settlement +2

5.0/5

5.0

4 Reviews

15 Feb, 2022 by Alyssa

Anna helped me file for bankruptcy and she also connected me to programs that could help me manage my government student loans on a budget. Thank you for the freedom from debt!! She's awesome.

26 Jul, 2019 by Lee

I recommend Anna whole-heartedly! I was under time pressure to find an attorney and settle a credit card debt. Facing default/summary judgment Anna made it a priority to meet with me and find a resolution. She was amazing and understanding, communicating the issues of the case and probable outcomes. Excellent job.

09 Apr, 2019 by Emilia

We had a great experience working with Anna! She made sure we understood our options well and was patient with us as we decided how to proceed. In the end, she helped my mother resolve years of medical bills and she was able to avoid bankruptcy. Would definitely recommend her to anyone. So thankful!

Timothy Daniel Sutherland

1105 Tacoma Avenue South, Tacoma, WA

Consumer Protection Criminal Defense Debt Settlement +1 +4

5.0/5

5.0

3 Reviews

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.

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!!!!

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!!

Pamela Jean Ornstil

500 Union Street, Seattle, WA

Debt Settlement Litigation +2

5.0/5

5.0

2 Reviews

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.

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.

Shawn Kristine Mercalde

909 S. 336th Street, Federal Way, WA

Business Debt Settlement Real Estate +3

5.0/5

5.0

1 Reviews

01 Nov, 2011 by Valerie

Shawn Mercalde was a member in good standing in our network group and helped various members with good advice. In addition she has helped me drafting business letters to suppliers and with research on domain infringement rules.

Adrian Mejia Estrada

1800 Cooper Pt Rd SW #14, Olympia, WA

Debt Settlement Immigration Social Security & Disability +3

5.0/5

5.0

1 Reviews

15 May, 2018 by Tim

I hired Adrian to negotiate a settlement with Capital One‘s lawyers. He was very easy to work with and kept me updated as the negotiations went on. He saved me a lot of money when it was all said and done! Super happy with the outcome!!

Dane M. Woldseth

4208 198th St SW, Lynnwood, WA

Business Debt Collection Debt Settlement +3

5.0/5

5.0

1 Reviews

23 Sep, 2015 by Anonymous

I hired Mr. Woldseth to help me with a collection notice for an old account that had been closed. He did an excellent job. He was knowledgeable and effective. He explained my options in language I could understand, gave his professional advise which proved accurate, yet allowed me to make my own decision. He negotiated firmly on my behalf and resolved the matter to my satisfaction. Mr. Woldseth is professional and personable, easy to work with and has great communication skills. I rate Mr. Woldseth 5 stars, excellent, for the work he did.

Richard James Symmes

1818 Westlake Ave N., Seattle, WA

Bankruptcy Credit Repair Debt Settlement +3

4.9/5

5.0

27 Reviews

4.8

290 Reviews

25 Sep, 2024 by Han

I highly recommend Symmes Law Group for anyone in need of legal assistance. I recently worked with Richard to settle a debt, and I couldn't be more grateful for their expertise and support throughout the process. From the start, Richard's professionalism, clear communication, and dedication made a significant difference. He provided me with peace of mind, guiding me every step of the way and ensuring the matter was resolved smoothly. Richard was patient, thorough, and always available to answer any questions I had. Thanks to Symmes Law Group, I now have this issue behind me, and I couldn’t be more satisfied with the service I received. If you’re looking for a law firm that is committed to your success, I would highly recommend Symmes Law Group.

23 Sep, 2024 by Monica

As a first-time bankruptcy person, I couldn't have asked for a better lawyer. Mr. R. Symmes's expertise, knowledge, and efficiency coupled with a caring persona made this experience reassuring. All of my questions were answered, my concerns put to rest... every step of the way and until the end. Thank you, Mr. Symmes.

13 Sep, 2024 by Karla

I really appreciate all of Richard Symme's help in my case. He helped me understand the process, was very prompt and responsive, and helped me consider other perspectives related to my situation.

Rebecca J Sheppard

16114 E Indiana Ave Ste 205, Spokane Valley, WA

Bankruptcy Debt Settlement Foreclosure +3

4.9/5

5.0

11 Reviews

4.7

6 Reviews

22 Jun, 2022 by Roger

Extremely pleased with Rebecca’s response and handling of our questions and concerns…very professional yet personable…would without hesitation recommend.

02 Mar, 2022 by Chelsie gump

Was so nervous about starting the process, Rebecca made it extremely easy and and very straight forward. Her and her assistant Jodi did a very good job at getting things done in an extremely timely manner.

10 Apr, 2021 by Lisa quinlivan

David C. Mott

3325 Smokey Pt. Dr., Arlington, WA

Business Car Accident Criminal Defense +7 +10

4.9/5

4.9

11 Reviews

09 Feb, 2017 by Laurel kirkpatrick

Mr. Mott has represented me in a legal matter of being falsely accused of being in a car accident it has been ongoing for a year now and each step of the way he has won for our side representing me against the state of Washington. He has also educated me on my rights in Washington. Mr Mott is a highly educated compassionate lawyer who puts the People First. Thank you very much Mr. Mott LK

04 Dec, 2016 by Kelly

I have worked with David since April of 2014 on a erroneous creditor collection that was destroying my credit. David helped me fight this major credit card company that "over reacted" to the collection mistake on my credit. In the 30 days it took to dispute the collection error of $100, the major credit card dropped my credit line, charged me insane interest rates and just like a game of domino's red flagged all my other credit cards to panic and do the same. I of course hired David and step by step he gave me the tools I needed to not only fight it but counter sue. It took 2 years of playing their game but in the end it was all worth it! I can't thank David enough and would and have referred to everyone I know, including family members. In my line of work I have worked with many attorneys and David is in a class of his own. Endless Integrity which is so much appreciated and very hard to find these days! Thank YOU AGAIN DAVID! :)

17 Nov, 2016 by Nick

I was in a huge jam with closing a property deal. Nearly losing 1000s of dollars. I explained my situation to David , He turned a typical 5 + day process into 2. I could not believe how great the whole experience was. Thank You David. You truly saved the day. I would highly recommend his professional skills to anyone !!!

Edgar I Hall

12535 15th Ave NE, Suite 214, Seattle, WA

Bankruptcy Business Consumer Protection +7 +10

+1 (206) 535-1754

4.8/5

5.0

20 Reviews

4.8

62 Reviews

08 Oct, 2024 by Igor shamin

I do not recommend. At first everything was fine, the company gave me access to the CRM system to add documents and control the status. I added all the documents very quickly. The company was constantly in touch Katya and the team (Kimberly and Abel). But then they started disappearing and not answering questions, they promised one deadline, but did nothing within the specified time frame and do not give an answer on the actual status and when it will be ready. As a client, I am worried because I did not receive the service for which I made an advance payment and I am wasting time with filing a case.

04 Oct, 2024 by Sofia down

Best choice! My husband and I had the smoothest and easiest green card process imaginable. Thank you Katya, Jelena, Vanessa and team for always being there, providing expert advice and doing so at the best price. Looking forward to taking the next steps together 🫶🏼💗 we got approved 9 months later!

02 Oct, 2024 by Navruzbek ibadullaev

I would like to thank Stelmakh & Associates! Katya has been amazing from day one, explaining all the options that might work for my unique case. Before starting to work with her team, I spoke with a few other lawyers but didn’t feel comfortable with them. However, after discussing my situation with Katya, I had no doubt that her team was the right choice for my EB2 NIW application. I chose this firm because of their stellar track record in handling immigration cases, along with the great feedback I received from an acquaintance who got her EB2 NIW approval in early 2024. Katya and her team—Abel and Kimberly—did an incredible job taking charge of my case, meticulously preparing all the documents, answering my questions, and making sure every detail was covered. They were always responsive and kept me informed throughout the entire process. Thanks to their dedication and expertise, I was able to secure my EB2 visa. I truly appreciate everything Stelmakh & Associates did for me!

Thomas Martin Morningstar

12535 15th Avenue NE, Seattle, WA

Bankruptcy Business Consumer Protection +6 +9

4.8/5

5.0

8 Reviews

4.8

62 Reviews

08 Oct, 2024 by Igor shamin

04 Oct, 2024 by Sofia down

02 Oct, 2024 by Navruzbek ibadullaev

Jacob D DeGraaff

119 First Avenue South, Seattle, WA

Bankruptcy Debt Settlement Foreclosure +3

4.7/5

5.0

9 Reviews

4.6

29 Reviews

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.

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.

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!

Larry B. Feinstein

12819 SE 38th St, Bellevue, WA

Bankruptcy Debt Settlement +2

4.7/5

4.7

12 Reviews

25 Oct, 2017 by Sherri

We interviewed many attorneys looking for someone to handle our bankruptcy. We are self-employed and in interviewing the other attorneys we received quotes from $10,000 to $50,000 because of the complexity. Larry was absolutely amazing for a few thousand, he was fast, efficient, and he answered all our questions and phone calls. Now 4 years after our bankruptcy, we found liens on our title and Larry is once again handling our case, and removing these old judgment liens. I can't recommend him strongly enough.

29 Apr, 2017 by Vicki

I hired larry to do my bankruptcy paperwork and filing. Going through this is not a pleasant experience. Larry was unfriendly almost to the point of rudeness. I also found a credit card that had been missed that I had removed myself. His staff was wonderful.

15 Sep, 2016 by Bob

My wife and I hired Larry Feinstein to represent us in a Chapter 13 Bankruptcy. He was extremely professional, knowledgeable and very patient. Going through a bankruptcy is a trying 5 year ordeal and Larry was always there for us when we needed him. I would recommend Larry and his firm to anyone seeking legal advise and representation

Lance Leih Yu Lee

1001 4th Ave, Seattle, WA

Bankruptcy Debt Settlement +2

4.6/5

5.0

21 Reviews

4.6

131 Reviews

14 Aug, 2024 by Susan

Lance has helped me my best friend, and my husband after being referred to me years ago by another friend. He made the bankruptcy cases as easy as possible with great communication skills timely paperwork and wonderful interpersonal skills. I love him! We continue to refer him to anyone who needs this kind of help and would use him again if need be. Fair fees and overall empathic intelligent and capable.

16 Jul, 2024 by Send anything

We hired Andrew on the recommendation of a friend and he was great. Really appreciated all of his help and highly recommend.

28 Jun, 2024 by Callahan greyson

Shannon Riddell Wing

2611 NE 113th St. Suite 300A, Seattle, WA

Bankruptcy Consumer Protection Debt Collection +4 +7

4.6/5

4.9

13 Reviews

4.0

8 Reviews

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.

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.

16 Oct, 2022 by My lea

Was a tremendous help. Went above and beyond. His guidance, time and knowledge were a great value

Christina Latta Henry

119 First Avenue South, Seattle, WA

Appeals Debt Settlement Foreclosure +1 +4

4.5/5

4.5

15 Reviews

4.6

29 Reviews

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.

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.

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

Steven Charles Hathaway

3811 Consolidation Ave, Bellingham, WA

Debt Collection Debt Settlement Foreclosure +3

4.5/5

4.5

10 Reviews

26 Apr, 2017 by Rebecca

My husband and I had an urgent legal matter that we needed assistance with. Our paperwork needed to be filed by Thursday so after calling a couple of attorneys I made an appointment with Steven for Wednesday morning. At 5pm on Tuesday someone from Steven's office called to cancel our appointment because "Steven and his wife need to be out of the office all day tomorrow". At this point it will be impossible to find someone who can handle our case with 1 days notice. As business owners ourselves I can't imagine doing this to a customer, especially one who is in urgent need of assistance.

31 Mar, 2017 by Ana

Comfortable and curteous office, front staff was amazing in emailing and answering the many questions we had during our case. Very professional lawyer, but really seems to care about helping his clients too. Would recommend to all my friends and family.

11 Oct, 2016 by Aaron d.

Very experienced and knowledgeable attorney! Walked us through every step of the process. I would highly recommend Steven Hathaway. Our follow up questions and concerned were handled quickly and effectively by all the staff. This is a great office!

Ashley Andrade Lauber

3501 Colby Ave, Everett, WA

Bankruptcy Debt Settlement Family Law +3

4.4/5

4.7

15 Reviews

4.4

59 Reviews

31 Aug, 2024 by Nick powell

Everyone was so helpful in helping me through a challenging time in my life. Thank you for everything you did for me

27 Aug, 2024 by Kevin ray madrid

Appreciate Lauber group in helping me navigate thru this legal situation.

02 Jul, 2024 by Robert hayes

I would recommend Jaclyn Bray of Lauber Law Group to anyone going through the divorce process or wanting to improve their estate planning. Jaclyn represented me in a complicated divorce. She was very communicative, responsive, respectful, and fair through the whole process. She provided sound advice and helped me stay grounded as we worked through my case. She is now helping me with estate planning and has been fantastic on this front as well. She is top notch and would benefit anyone by representing them.

Erica Lindsey Matson

917 Pacific Avenue, Suite 408, Tacoma, WA

Debt Settlement Family Law Immigration +1 +4

4.2/5

4.2

5 Reviews

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.

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!

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.

Martin Sjolie

1833 N. 105th St., Suite 101, Seattle, WA

Business Debt Settlement Estate Planning +2 +5

3.5/5

5.0

1 Reviews

3.5

20 Reviews

10 Jun, 2024 by B a sanchez

04 Aug, 2023 by Todd moore

Not accepting new clients Oh that’s not very helpful One star

01 Feb, 2023 by M'sh elle hollandgreene

Never returned my phone call

Paul Richmond

119 North Commercial Street, Bellingham, WA

Consumer Protection Criminal Defense Debt Settlement +2 +5

+1 (360) 383-5922

0.0/5

Joshua Lohec Turnham

214 E Galer Street, Seattle, WA

Bankruptcy Consumer Protection Debt Collection +1 +4

0.0/5

Kevin Clifford Eggers

214 E Galer St Ste 100, Seattle, WA

Business Consumer Protection Debt Collection +2 +5

0.0/5

Joel Cartwright Merkel

1001 4th Ave Ste 4050, Seattle, WA

Business Debt Collection Debt Settlement +1 +4

0.0/5

Derek Douglas Peterson

711 Capitol Way S Ste 704, Olympia, WA

Civil Rights Consumer Protection Criminal Defense +4 +7

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.

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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