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03 May, 2024 by Corazon vida
Thanks for your services and your help .
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07 Mar, 2024 by Aldo blancas
She was very profesional and her team was very friendly all the time ! Thank you for all your help !
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22 Feb, 2024 by Christian boughter
Natasha is extremely smart, understanding and helpful. Legal problems are always difficult to deal with by yourself and Natasha has made my issues incredibly easier❤️
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15 Sep, 2023 by Shannon
I have hired Johnathan twice over the past couple of years. Johnathan is very supportive and understanding. He takes time to listen. He provides clear and thorough explanations of all options and is transparent in his recommendations. Johnathan is honest and straightforward. He truly cares about justice and equity and will advocate with persistent tenacity on behalf of his clients. I recommend Jonathan as a lawyer for employment, labor, business, and real estate matters. I would also recommend Johnathan as a resource for any other legal needs. He is very knowledgeable and provides sound and reliable advice.
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11 Mar, 2021 by Anonymous
My husband and I hired Jonathan after having a dispute with a contractor. This was the first time either one of us had ever hired a lawyer. Jonathan was highly recommended by a colleague and we immediately understood why. I texted him requesting urgent help on a Thursday night as our issue was time sensitive. He responded that evening and by Friday morning, we had hired him. He was able to efficiently gather enough information to start addressing our urgent concern that Friday afternoon. Within the week, our situation was resolved to our satisfaction. His responsiveness and professionalism was outstanding. He helped set expectations and educate us. He was upfront about expected costs for our case and when we ended up exceeding that, he honored his initial quote. We are in the middle of an adoption and he told us to take the difference of the quote and actual cost of his services and apply it towards the adoption. It was not expected and he certainly was not obligated to do this but was greatly appreciated. If we ever need a lawyer again, we will not hesitate to reach out. I have already provided his information to another co-worker.
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04 Sep, 2019 by Gail
My job was eliminated after 18 yrs. I was 1 of 3 over age 60 eliminated. Since there were new employees and less seniority employees , i felt i was let go unfairly with age discrimination. Jonathan fought for a new severance contract against the medical corporation and won. He achieved double the severance i was offered per "their protocol" that was unfair. Jonathan was kind, calm, explained what i didnt understand ( which was most legal terminology!) And worked with me as my own advocate. Advising and suggesting. Timely , tenacious ( did not let down his drive to succeed in our goal.) Smart , timely, direct. I consulted and hired him within 2 days of losing my job. Highly recommend Jonathan.
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10 Apr, 2022 by Leida
Andrea helped me in many legal matters. She is my attorney to go to. Thank you so much Andrea!
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10 Feb, 2016 by Rochelle
Andrea is a very knowledgeable respectful lawyer. She was there to help me in one of the most difficult times of my life. She helped explain the legal process and describe our "best case scenario". Andrea took the time to settle my nerves, responded quickly to my emails, and had my best interests at heart. Together with our heads held high, we walked out of the court room knowing WE WON! Here we are one year later, and everything Andrea said "would happen" has happened and it was for the best. I would highly recommend Andrea for anyone needing legal assistance.
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10 Feb, 2016 by Curt
Ms. Von Hoff represented my divorce in a very professional and well prepared manner. She was always on time and gave clear guidance in the manner to proceed with my divorce. Time sensitive correspondence was received from her office in short order. The outcome of my divorce was as well as could be expected given my personal circumstances. I would highly recommend her services to anyone who is seeking a divorce.
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08 Dec, 2017 by Robert miranda
My experience with Larraine was very positive. I hired her to fight for me in order to save my home from foreclosure. Her professional approach dealing with my case gave me confidence and assurance we were going to win. We did win. She stopped the foreclosure and worked out a deal I'm very happy with. Today, my family and I are in our home thanks to her efforts and professional work. I highly recommend her to anyone seeking a professional lawyer ready to fight for you.
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14 Dec, 2015 by Susan joyce
Larraine is one of the most amazing women I've ever met. She is so motivating when I'm down. She gives me hope and confidence that we will be triumphant when we finally get to court in March. I can't say enough about this spectacular woman. She is small in size but big in personality and intelligence. I know that she will win my case and that we both will make history when it is all said and done. I feel that my story, and Larraine as my attorney, would make a great 20/20 episode or even 60 minutes. I feel proud to have her represent me!
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03 Oct, 2015 by Carl gorel
We had gone through a foreclosure process with our bank over three years ago when the bank dismissed the case. After almost a year and a half with no word the bank filed again. We had received a "mailer" advertising this attorney and contacted her two days before needing a response for the courts. After only two months of being clients we have now been given a deal of a lifetime from our bank through mediation. The stress of dealing with Monster Mega Banks is no longer a concern and we are now able to stay in our home. She has truly been blessed and so have we
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18 Feb, 2015 by Rick
I found Steve to be personal and professional simultaneously. This is a feat for most of us, with lawyers being either one or the other and often neither. Steve was focused on my case and successfully found a Chapter 7 solution when the means test made it look improbable. Steve didn't "sugar coat" the situation, and was very upfront even when he had to say something I didn't necessarily want to hear. There were no "suprises" along the way. Steve was able to mitigate the stress level associated with bankruptcy; which was a tremendous help. From the standpoint of value, Steve's fees were very reasonable especially considering the level of responsiveness, personal service and results provided. I didn't feel like I was part of a "bankruptcy mill" or being given only cursory attention. In part, I believe, that this is because Steve is a single lawyer firm....bigger isn't always better. I highly recommend Steve!
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25 Nov, 2013 by Adrian
Mr. Cotter was able to file a chapter 7 without issues when other bankruptcy lawyers thought it wasn't possible due to the means test. He did not give up when there was clearly a need for bankruptcy protection and researched all aspects of the law to find a solution. If it wasn't for his excellent research skills my financial situation would be very bleak indeed.
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19 Nov, 2013 by Keaven
5.0 star rating 11/19/2013 First to Review I speak to the people who are looking for an attorney who is able to first of all be honest and give an accurate evaluation of your money being spent wisely. We then spoke about how things would play out in the amount of court time, phone calls (BILLED IN QUARTERLY BY THE HOUR) and one on one office strategy meetings. Attorney Cotter before taking one dollar from me, sent me to a tax advisor to see if i would be responsible for the liability if we lost the case. I had seen two other attorneys all saying I had no chance of WINNING, Attorney Cotter saw a posibility and he won my day. He is on his own with a wealth of knowledge and I think this was a key to the success. If you seek one on one personal service and do not care to be a part of the lawyer factory, I am on a 4 month holiday and that is as good as it gets! GOOD LUCK who ever you choose. 5.0 star rating 11/19/2013 First to Review
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12 Mar, 2015 by Lee
Awesome Lawyer!!! He truly cares about his clients!!! He helped me tremendously!!! I would recommend to anyone! He is very professional and knowledgeable at what he does!!!
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05 Mar, 2015 by Linda
Atty Gauthier explained my options very clearly during our very first phone conversation. After that the staff members that I worked with were outstanding. I even made a point to telling them how much I appreciated their patience and help. I have recommended his services to others.
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18 Feb, 2015 by Anonymous
My house was in foreclosure and I didn't know what to do. I talked to several attorneys who pretty much told me there was nothing I could do. Mark actually took the time to speak with to come up with a solution. I was approved for a mortgage modification and my family and I are still in the house. I would definitely recommend this attorney to anyone in the same situation.
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10 Apr, 2016 by Kathy
Greg was extremely knowledgeable in bankruptcy law. Anytime I had a question he called me back the same day, even if it was a question he probably got a100 times. He is honest, polite, and friendly. Yes, I did use the word honest something you normally don't hear in the same sentence with attorney/lawyer. :)
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21 Mar, 2016 by Anonymous
As first time going through bankruptcy we were not sure what to expect from the process much less who to trust. Greg explained each step and all fees involved before we even hired him. During the process he was always quick answer our calls and kept us informed all along the way. Never made us feel bad just always there to answer our questions. He even sent us all the necessary info needed for what to do after the bankruptcy was finished. From the beginning he was ethical trustworthy and very competent. I would recommend him to anyone needing legal help!
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20 Jan, 2015 by Nathan
I had my finances and stuff in a mess from being in an accident. greg helped dicuss with me what the best options would be for me filing bankruptcy and helped explain every step of the way. He worked hard with me to get all of my things sorted out and done right. Did a good job of getting the paperwork filed on time. Since dealing with him with the bankruptcy. If I have any questions or small requests for paperwork. He is always happy to help me with what is needed. Very great job.
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19 Mar, 2021 by Jenni
William has been my lawyer for years to deal with my bankruptcy and was very patient and kind through a difficult time. He is also prompt on taking or returning calls. I would highly recommend him to anyone questioning the bankruptcy process.
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05 Feb, 2021 by Shawn
I struggled for years with the concept of beginning the bankruptcy process. I wish I had consulted with William sooner than I did! He talked me through the logistics of bankruptcy, walked me through the legal process and eased my discomfort with confronting my financial situation. Most importantly I was given peace of mind throughout the experience and was very thankful for that.
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27 Jan, 2021 by Gregory
William Nickolai has been my Lawyer for my chapter 13 bankruptcy now for a few years. William is very detailed in your case from start to finish. His staff is out of this world they are very friendly and very detailed in anything you need know about your case from court dates to monitoring what's going on with your case and making sure everything is good on your end. I have recommended William Nickolai to family and he has taking very good care of them in their case's
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13 Mar, 2024 by Anonymous
Matthew McKenna responded to a question I posted and he was kind enough to speak with my mother and give her a website link for some help. Hopefully, this will lead to getting everything resolved and his help in the matter is greatly appreciated.
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14 Feb, 2024 by Ahmad
When i had no idea where to look or who to talk this man helped me out. I got into a bad situation where i had no clue how to handle it and i called him and he walked me through it
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30 Aug, 2016 by Michael
I've hired Mrs. Collins a few times over the years, and have received top notch service. More importantly, when I needed a specialist in another field, she said so, and said she'd help me find one. I highly recommend her.
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30 Aug, 2016 by Anonymous
Ms. Collins is always prompt and professional. She explains legal procedures in terms that make sense and does a thorough job of answering our questions and explaining our options to us. Highly recommended.
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14 Nov, 2015 by Dan
I had a legal sitution that festered for over five years. Complicating the matter was that I received a judgement in another state and my opponent sought to evade payment in Wisconsin. This mattered little to Mr. Thill. He quickly registered our judgement in Wisconsin and began proceedings. What impressed me the most was that Mr. Thill kept at it no matter what my opponent attempted, tried, or said. Equally impressive was that Mr. Thill kept me informed every step of the way and often asked for my input. If you are in a needs collection situation I would highly reccomend Brian Thill. Feel free to contact me if you have any questions.
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20 May, 2015 by Anonymous
I had recently had an unfortunate matter involving property and family. Sadly the situation could not be resloved without the need for legal intervention. Attorney Brian Thill provided me with uncompromising professionalism, compassion, and impressive legal knowledge. He always kept me informed, and I never felt as though I was "out of the loop". The outcome of the matter was succsessful One can never really claim a "win" in such a situation, but Attorney Thill did a remarkable job of being able to make myself financially whole, while limiting the harm to the contra party. A fine line which few can walk.
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08 Apr, 2015 by Brett
Nate does a fantastic job!!! He has helped me with several lawsuits that I was out of options on. When you don't know where to turn, he will find a way to figure things out. Both personally and professionally, he is by far my most trusted adviser and his energy is contagious.
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07 Dec, 2008 by Anonymous
Although he appears to be very young in looks, he is the best attorney we've ever worked with. He is extermely friendly and empathized with our situation. More attorneys should be more like him.
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03 Aug, 2016 by Pat
Susan LaCava is such an advocate for the home owner! When my bank tried to grab my house with an escrow scam, Susan’s skill and experience made a huge difference when negotiating a settlement. She knows when to push hard and when to settle. She saved my home. And, while this was an extremely stressful time, I must admit that it was amusing to watch her train the pompous corporate attorney that worked for the bank.
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29 Sep, 2015 by Justin
Steve Berg demonstrated patience and compassion in working with my wife and I and helped us save our home. We are forever grateful to Steve and the other lawyers at Todd C. Esser & Associates. Thank you!
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30 Oct, 2017 by Rich
I was totally impressed. We had a closing waiting for a letter and she took care of it with no hassles. Saved hard ache for a number of people.
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06 Dec, 2021 by Bridget
I had a lot of credit card debt, and I managed to pay every month, but I could never get ahead. When my income went down during the pandemic, I knew I was a hare's breath from having my debt overwhelm me. As a responsible person, I was embarrassed and scared about filing for bankruptcy. The decision to file was hard, but, with Kirk's help, actually filing was MUCH easier than I ever could have hoped. My initial contact was with another lawyer at his firm, but I was assigned to Kirk for my first meeting. He is calm, funny, non-judgmental, efficient and absolutely reassuring. From the first meeting where we discussed my financial situation, he made me feel I was making the right decision. He told me what was going to happen and what records I needed to provide. He always answered my questions quickly, and I know he did a LOT of work on his end to make my Chapter 7 bankruptcy happen. I really trust him - he's dedicated to providing good service and doing the job right. If you're considering bankruptcy to discharge debt, but you're scared of what it will take, talk to Kirk. My bankruptcy is now filed, the price was very reasonable, my house is still mine, and I feel like I have my life back. I really can't recommend Kirk highly enough.
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02 Aug, 2022 by Clarissa adams
Have had the pleasure of being represented by this amazing Lawyer in 2005. Whenever I have any legal questions he's the only person I call and he actually answers my call even now in 2022.
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10 Apr, 2019 by Pam frinzi
Superstar
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17 Sep, 2024 by Kayla dubois
We had a fantastic experience working with Lotfi Legal regarding our immigration process! I came to our initial consultation with a complex situation and many questions after having done my own extensive research. Atty Fuchs found a path through to meet our goals that we didn't realize was available to us, which ultimately saved us many years and thousands of dollars compared to paths other attorneys were recommending. We worked together to file our applications quickly and were lucky to have full resolution of our case in a short timeframe. We couldn't be more grateful! It can be difficult to know who to trust regarding immigrations concerns and I cannot recommend Lotfi enough.
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09 Sep, 2024 by Mozhdeh fallahazad
Shabnam Lotfi and her team appeared in our lives when all hope seemed lost for our Petition for Alien Relative case. They expertly guided us through a seemingly complex process, providing clear explanations and personalized attention. Their extensive knowledge, keen insight, and compassionate heart made all the difference. Thanks to their exceptional service, we now have high hopes of reuniting with our loved ones soon.
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09 Sep, 2024 by Anahid eht
All I could ask for. Thank you Shabnam and the amazing team. Highly recommended.
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14 Oct, 2024 by Chelle belle
I had initially contacted another law office, however, they wouldn't return my calls or respond to emails to set up the consultation, so, I contacted Sapinski Law Offices and I'm glad I did! From start to finish, everything was explained, any questions I may have had were answered and most importantly, I had no stress during the process! I highly recommend Sapinski Law Offices. Thank you!
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11 Oct, 2024 by Chris aasen
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15 Jul, 2024 by Brent berning
As a fellow bankruptcy attorney, I highly recommend this office and the professionalism you will receive with Sapinski Law Office, S.C!
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06 Feb, 2024 by Steve shelleh
Very knowledgeable super friendly thank you for an excellent job .
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04 Apr, 2023 by Gurpreet chauhan
I know him since 2008 . He is the best and honest lawyer I ever met and price are so reasonable. Very professional and down to earth person .
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05 Sep, 2022 by Beetle juyce
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03 Dec, 2019 by Lori
After twice being denied by disability application. Both my son, and I turned to Wade Pittman. What we needed was Honesty, the knowledge, and the expertise to have our questions answered so we could understand. Wade explained clearly in detail , he was very friendly, and our questions were answered. Wade always welcomed us in person as the office Highly Recommend.
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04 Sep, 2019 by Anonymous
When I first began looking for legal representation, I was upfront about my extraordinary circumstances. The dozen or so attorneys I contacted either ignored me, referred me elsewhere or told me I didn't qualify. Attorney Wade Pittman responded quickly and assured me I had access to the financial protections I needed. With Wade's knowledge and insight I was able to protect what I worked hard to earn, dismiss my case early and secure enough funds to get back on my feet. Wade always treated me like a priority and responded quickly to every message. He understands the statutes like he wrote them himself. Call him now. You worked hard for what you have and Wade will go to bat and guide you through the legal protection you deserve.
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19 Jan, 2018 by Monte
Wade is outstanding. I contacted him in total panic. He completely reassured me and had our bankruptcy case filed within three weeks of contacting him. Much of that time was merely getting my own paperwork in order. I plan on keeping him on speed dial for any future legal needs. Highly recommend.
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26 Apr, 2024 by L
We had an exceptional experience with Attorney Usman, who made the entire process surprisingly easy and eliminated all our fears. He was not only knowledgeable and smart but also personable, kind, and relatable. He answered all our questions thoroughly, responded to our calls and emails almost immediately, and always took his time during our office visits to ensure we understood everything. Another plus was that he rolled his fees into the bankruptcy filing, so there were no upfront costs. We appreciated his quick and efficient handling of our case and highly recommend his services to anyone facing similar financial challenges.
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19 Mar, 2024 by Anonymous
Zeshan was really great he walked me through every step and made sure I was comfortable.
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19 Mar, 2024 by Anonymous
Z was an amazing help to my husband and I with regards to our bankruptcy case. He was very helpful and answered all questions we had. He stood by us thru the whole process and helped us understand what was happening as it went along. I would recommend him to anyone that needs assistance regarding getting in trouble with outstanding debt
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17 Oct, 2024 by Adriana malitz
Mindy has been great to work with. She is willing to work around our schedules and is very responsive. She always made us feel comfortable and is down to earth. With the help of Mindy my son’s charges were dismissed. We will forever be grateful for her!
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20 Jul, 2024 by Morad moslam
Attorney Cherella took my case & was there for me when I really needed him. He was always quick to reply or call back & I really felt like he had my back from day one. Thank you so much for your services, Mr. Cherella, I appreciate everything you have done for me
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08 Jul, 2024 by Joshua redlin
Chris is awesome, he has helped me and people I know over the years.
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17 Oct, 2024 by Adriana malitz
Mindy has been great to work with. She is willing to work around our schedules and is very responsive. She always made us feel comfortable and is down to earth. With the help of Mindy my son’s charges were dismissed. We will forever be grateful for her!
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20 Jul, 2024 by Morad moslam
Attorney Cherella took my case & was there for me when I really needed him. He was always quick to reply or call back & I really felt like he had my back from day one. Thank you so much for your services, Mr. Cherella, I appreciate everything you have done for me
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08 Jul, 2024 by Joshua redlin
Chris is awesome, he has helped me and people I know over the years.
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10 Sep, 2024 by Greg hammond
I cannot recommend this firm highly enough. I have personally worked with both Joe Bugni and Marcus Berghahn, and they have exceeded all expectations. They are highly knowledgeable and effective, fighting for outcomes that would not have been possible otherwise. Beyond their legal expertise and tenacity, Joe and Marcus have shown remarkable compassion and genuine care for our situation. These are top-notch lawyers and exceptional human beings. I am profoundly grateful to both of them!
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05 Sep, 2024 by Alene bridges
Joe Bugni is amazing! Trinity as well. I'm so thankful for meeting such wonderful people and finding thee BEST lawyer around. Thank you Joe!
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05 Sep, 2024 by Marlo mall
By far the best!! This law firm is honestly amazing!! Joseph Bugni and paralegal Trinity are beyond fantastic at their jobs. They care more about helping people than the money, and it clearly shows. I promise you'll never go to another firm again!
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02 Aug, 2024 by Hank
Hello, I hired Bakke Norman Law firm to handle my divorce and I feel like the result was worse than I could have gotten representing myself. I do not recommend this law firm. Just because they have a low price does not mean you will stillbe fairly represented. I may even seek legal recourse, this can't continue. I never write reviews but couldn't believe how Deanne treated me yesterday. Thank you
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12 Jan, 2024 by Kenneth knipfer
Ben was a godsend in helping us navigate the medicaid application process, as well as setting up our wills and Power of Attorney documents, and establishing a trust. I highly recommend him for any Elder care needs. He truly cares about you, and explains everything in language you can understand. I can't say enough about how impressed and grateful we are for his help.
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30 Oct, 2023 by Jessie botello
Ben Wright was a great help for information on Medicaid and how trusts work. My mom and I went to find out information about applying for Medicaid for my dad and how the trust on my grandparents house worked, and he was very patient and answered all of our questions. He also had a lot of suggestions and questions for us. I highly recommend him for anyone who is trying to apply for Medicaid or if you have questions or even if you are denied to see if you can appeal. He is very friendly and knowledgable.
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23 Apr, 2024 by Latonia young
Hamza is the best. He’s patient and straight to the point. He made my experience very easy. I was so nervous and he made me feel at ease. He will communicate with you every way possible to get the job done I’m a happy client. Thank you Hazma.
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18 Apr, 2024 by Rick wirch
Everything was explained well. They were very easy to work with.
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18 Apr, 2024 by Subrina mcelroy
Chris has been a great lawyer to work with helpful kind and respectful very knowledgeable with my case yes l would recommend him and this law firm for your personal/Business needs
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10 Sep, 2024 by Greg hammond
I cannot recommend this firm highly enough. I have personally worked with both Joe Bugni and Marcus Berghahn, and they have exceeded all expectations. They are highly knowledgeable and effective, fighting for outcomes that would not have been possible otherwise. Beyond their legal expertise and tenacity, Joe and Marcus have shown remarkable compassion and genuine care for our situation. These are top-notch lawyers and exceptional human beings. I am profoundly grateful to both of them!
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05 Sep, 2024 by Alene bridges
Joe Bugni is amazing! Trinity as well. I'm so thankful for meeting such wonderful people and finding thee BEST lawyer around. Thank you Joe!
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05 Sep, 2024 by Marlo mall
By far the best!! This law firm is honestly amazing!! Joseph Bugni and paralegal Trinity are beyond fantastic at their jobs. They care more about helping people than the money, and it clearly shows. I promise you'll never go to another firm again!
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25 Sep, 2024 by Shaquanne woolfork
Attorney Laster is by far one of the best attorneys in the area. She treats all her clients like family and makes sure they get the best outcome possible. We’ve now used her twice for representation and she’s exceeded expectations both times. Thank you for all your hard work. You are appreciated!
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27 Aug, 2024 by Darlene riva
Promise everything and do nothing. Never return phone calls and never tell the truth
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26 Aug, 2024 by G37s ree
Best lawyers got my case dismissed and they kept in contact with me all time in if I ever need questions you can call in they will answer all them 10/10
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03 Apr, 2017 by Beth
Working with Deborah was easy. She made us feel comfortable when we already had a stressful situation. She answered our questions and helped us move from step to step with ease. We weren't proud of what happened to us but she never made us feel like we were anything but good people who needed her help. I would highly recommend her. She is very personal and we have enjoyed working with her.
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25 Mar, 2017 by Shanta marie macfarling
First let me say Deborah was so kind to take my phone call on a Saturday morning and I was just calling to leave her a message. Deborah displays excellent customer service and satisfaction, she is kind and patient with every question that I need answered and I can always hear and feel a warm smile on the other end of the phone. I am in awe of her talent, compassion and commitment to those she services. I am always reassured that my decision to file bankruptcy, chapter 13 was the right decision for me and putting my financial rebuild in the capable hands of Attorney Deborah Stencel at Miller & Miller law offices.
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24 Mar, 2015 by Anonymous
I picked her based on the reviews, but If I could redo this process, I certainly would and wouldn't choose this attorney for something this important and life-altering. She was evasive, not very informative, and since working with her, I am no more informed than I was prior to hiring Deborah. She rarely responds to correspondences too, even with the various modes of communication these days. There seemed to be a correlation between the timeliness of her responses versus getting payment. After receiving payment, she was difficult to make contact with. I regret hiring her for something so important.
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FAQs
Questions? We have answers

What a Foreclosure Lawyer Can Do for You

A foreclosure lawyer specializes in helping homeowners navigate the legal complexities of foreclosure, working to protect their rights and potentially save their homes. Foreclosure lawyers assist homeowners facing foreclosure by negotiating with lenders, filing legal defenses, and representing them in court. They also help with loan modifications, short sales, and other alternatives to foreclosure. Whether you’re behind on mortgage payments or already in foreclosure proceedings, a lawyer can help you explore your legal options and work toward a solution.

If you’re at risk of losing your home, a foreclosure lawyer can provide guidance on how to stop or delay the foreclosure process and protect your financial future.

When Should I Hire a Foreclosure Lawyer?

You should consider hiring a foreclosure lawyer in several situations where you are facing financial difficulties with your mortgage. Common reasons to hire a lawyer include:

  • Facing foreclosure proceedings: If your lender has initiated foreclosure proceedings, a lawyer can help you file a legal defense and explore options for stopping or delaying the process.
  • Loan modification: If you want to modify the terms of your mortgage to make payments more manageable, a lawyer can help you negotiate with your lender and ensure that the modification complies with legal standards.
  • Challenging the foreclosure: If you believe your lender has violated foreclosure laws or the terms of your mortgage agreement, a lawyer can help you challenge the foreclosure in court.
  • Stopping a foreclosure sale: If your home is about to be sold at a foreclosure auction, a lawyer may be able to file for a temporary restraining order or injunction to halt the sale.
  • Short sale or deed in lieu of foreclosure: If you cannot afford to keep your home but want to avoid foreclosure, a lawyer can assist with arranging a short sale or a deed in lieu of foreclosure, where you voluntarily transfer ownership of the home to the lender to avoid foreclosure.
  • Filing for bankruptcy: If you’re unable to manage your mortgage debt and other financial obligations, a lawyer can advise whether filing for bankruptcy might stop foreclosure and help you restructure your debts.

Hiring a lawyer as soon as possible - especially when foreclosure is imminent - can provide you with more legal options to save your home or limit financial damages.

What Does a Foreclosure Lawyer Do?

A foreclosure lawyer provides a variety of legal services to homeowners facing foreclosure, working to protect their rights and help them avoid losing their homes. Their responsibilities often include:

  • Negotiating with lenders: A lawyer can negotiate with your lender to modify your mortgage or create a repayment plan, helping you avoid foreclosure by securing more favorable terms.
  • Filing a legal defense: If your lender is improperly foreclosing or has made errors in the foreclosure process, a lawyer can file a legal defense, challenging the foreclosure in court. Defenses may include violations of foreclosure laws, predatory lending practices, or failure to follow the terms of the mortgage.
  • Representing you in court: A lawyer can represent you in foreclosure proceedings, whether you are defending against the foreclosure, seeking more time to negotiate with the lender, or filing for bankruptcy.
  • Stopping or delaying foreclosure sales: If your home is scheduled for a foreclosure auction, a lawyer can help file a motion to stop or delay the sale, giving you time to explore other options.
  • Advising on bankruptcy: A foreclosure lawyer can assess whether filing for Chapter 7 or Chapter 13 bankruptcy would be beneficial, as bankruptcy can temporarily stop foreclosure and give you time to reorganize your finances.
  • Arranging short sales or deeds in lieu of foreclosure: A lawyer can help facilitate a short sale (selling the property for less than the mortgage balance) or a deed in lieu of foreclosure (transferring the property to the lender), which may allow you to avoid the foreclosure process.

How Are Foreclosure Lawyers Paid?

Foreclosure lawyers typically charge for their services based on the complexity of the case and the legal work involved. Common payment structures include:

  • Hourly rate: Many foreclosure lawyers charge by the hour, with rates typically ranging from $150 to $500 or more, depending on the lawyer’s experience and location.
  • Flat fee: For specific legal services, such as negotiating a loan modification or filing a bankruptcy petition, some lawyers offer a flat fee. Flat fees can range from $1,500 to $5,000, depending on the scope of the work.
  • Retainer: In more complex foreclosure cases, especially those involving ongoing negotiations with lenders or court appearances, a lawyer may require a retainer. This is an upfront payment that is billed against as the lawyer works on your case.
  • Contingency fee (rare): In some rare cases, particularly when suing a lender for wrongful foreclosure, a lawyer may work on a contingency fee basis. This means they only get paid if they win the case or settle on your behalf.

It’s important to discuss fees and payment arrangements with your lawyer upfront, especially if you are facing financial difficulties.

How Much Does a Foreclosure Lawyer Cost?

The cost of hiring a foreclosure lawyer depends on the complexity of the case, the lawyer’s experience, and the amount of time required to resolve the issue. General cost estimates include:

  • Hourly rates: Foreclosure lawyers typically charge between $150 and $500 per hour. For example, a simple case with 10 hours of legal work at $300 per hour would cost $3,000.
  • Flat fees: For straightforward services such as filing for bankruptcy or negotiating a loan modification, flat fees typically range from $1,500 to $5,000, depending on the complexity of the work.
  • Retainers: In more complex or ongoing foreclosure cases, a lawyer may require a retainer ranging from $2,500 to $10,000, depending on the length of the case and the lawyer’s experience.

In addition to legal fees, you may also need to cover additional costs, such as court filing fees or expenses related to property appraisals.

Top Questions to Ask a Foreclosure Lawyer

Before hiring a foreclosure lawyer, it’s important to ask key questions to ensure they have the necessary experience and approach to help you. Key questions to ask include:

  1. What experience do you have with foreclosure cases?
    Ensure the lawyer has experience handling foreclosure cases similar to yours and has successfully helped homeowners avoid foreclosure or negotiate better terms.
  2. How do you charge for your services?
    Clarify whether the lawyer charges by the hour, a flat fee, or requires a retainer, and ask for a detailed estimate of the total cost of their services.
  3. What are my options for stopping foreclosure?
    Ask the lawyer to explain the different legal strategies available for stopping or delaying foreclosure, such as loan modifications, filing a legal defense, or bankruptcy.
  4. What is the likelihood of success in my case?
    Ask the lawyer for an honest assessment of your case and the chances of successfully avoiding or delaying foreclosure.
  5. How long will the process take?
    Foreclosure cases can vary in duration, so ask the lawyer how long they expect the process to take and what factors might affect the timeline.
  6. Will I need to go to court?
    Ask whether your case is likely to settle out of court or if a trial may be necessary. If a trial is possible, ask what steps the lawyer will take to prepare.
  7. What steps can I take to protect my home?
    Ask the lawyer for advice on steps you can take to protect your home, such as making partial payments, negotiating with your lender, or exploring foreclosure alternatives.

How to Check the Credibility of a Foreclosure Lawyer

To ensure you are hiring a reputable foreclosure lawyer, take the following steps to verify their credentials and experience:

  • Check their bar status: Verify with your state bar association that the lawyer is licensed to practice law and has no disciplinary actions against them.
  • Look for foreclosure experience: Review the lawyer’s website or professional profile to ensure they specialize in foreclosure law and have successfully handled cases similar to yours.
  • Read client reviews and testimonials: Look for reviews on platforms like Avvo, Martindale-Hubbell, or Google to see what previous clients have said about their experience with the lawyer.
  • Ask for references: A reputable lawyer should be able to provide references from past clients who have worked with them on foreclosure matters.
  • Check for certifications or memberships: Look for lawyers who are members of organizations like the National Association of Consumer Advocates (NACA) or who have specialized certifications in real estate or foreclosure law.

What Should I Prepare for My First Consultation?

To get the most out of your first consultation with a foreclosure lawyer, it’s important to come prepared with relevant documents and information. Here’s what you should bring:

  • Mortgage documents: Bring a copy of your mortgage agreement, payment history, and any correspondence you’ve received from your lender, including foreclosure notices or demand letters.
  • Financial information: Provide information about your income, expenses, and debts, as this will help the lawyer assess your financial situation and determine the best legal strategy for your case.
  • Previous communications with your lender: If you’ve already tried to negotiate with your lender, bring any emails, letters, or records of phone calls that document these communications.
  • Court documents (if applicable): If foreclosure proceedings have already begun, bring any court documents related to the case.
  • Questions about your legal options: Prepare a list of questions about the foreclosure process, your options for avoiding foreclosure, and how the lawyer plans to help you.

By preparing thoroughly for your consultation, you can help the lawyer assess your situation more effectively and provide the best possible legal advice for protecting your home from foreclosure.

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