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31 Jul, 2024 by S.m.
Went to court with them and got a signed document by the NYS Supreme Court agreeing to a smaller settlement with monthly payments. Was told I'd get contacted by mail, email, or phone in regards how to pay. Never received a thing. After multiple calls, mind you never a call back, finally got a website and control number. Logged on to pay the amount was the original full amount. Called and got transferred a voicemail. Sent an email as well with the documents from court. If I do not hear back I will be submitting all the documentation to the FTC for negligent practices. You as a company CANNOT supercede the judgement of a supreme court that you agreed to. This seems like a scam to get people to purposefully not pay the agreed terms, so you can come after them again for more money. Update 7/31/24: I called again and spoke with a kind woman named Donna Green. She explained that the website will not reflect settlement amount, and that I only need to make my payments until the settlement amount is reached and not the full amount. I hope this bit of information is helpful for another person. Thank you for the explanation Donna Green.
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21 Jun, 2024 by Kevin
At first they refused to work with me until I called a week later and got a different rep and she agreed to take the payment arrangement I can afford. You can't get a confirmation number if you pay by phone so I started making my payments every month on time online until this month I go to make a payment and the website is totally different. I inputted all the correct info to make a payment on my account and made the payment as well as took a snapshot. This was on the 5th of this month and today the 21st I received a letter stating I defaulted on my stipulation agreement and need to make my payment or there taking me to court. So on the letter I got today they have a totally different website but the website doesn't exist or it says website is not secure and tried from multiple devices. The phone number is totally different from the original paperwork they sent me as well as the website is completely different. I pull up the screenshot of my payment I made this month and oddly the account number doesn't match my account but all my info is correct. If a payment was missed then why would you wait until the end of the month to say something first of all and secondly they immediately threaten you. Technically I don't owe them a thing being they bought my debt from the original creditor and that was there choice to buy it. I didn't borrow from them so I don't owe them anything but to avoid court I decided to just pay it monthly until it's done. The reviews are horrible for this company. I called the original number to speak with someone and the greeting is now for another company. Something doesn't add up with this company and whoever is running this place needs to get it together
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30 May, 2024 by Phil spencer
Don't pay these people. They make deals that you can pay this amount for a charge off that they bought for pennies. You had a contract with the original credit company not Forest and Garbage. They use illegal tactics to scare you. Just throw away any mail you receive from them cause it's junk mail. Use experion or another credit site and dispute all charge offs. You will get much further cause they have to prove you owe money which you did but not to these bozos. Also if they say they couldn't reach you it's a lie they even send out text messages trying to get a reply block them. Look up some youtube vids on this there's alot of info about the tactics they use.
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What a Lawsuit / Dispute Lawyer Can Do for You

A lawsuit or dispute lawyer, often referred to as a litigation lawyer, specializes in handling legal conflicts between individuals, businesses, or organizations. These lawyers represent clients in civil lawsuits, helping to resolve disputes through negotiation, mediation, arbitration, or litigation in court. They can assist with a wide range of disputes, including contract disagreements, property disputes, business conflicts, personal injury claims, and more.

If you are involved in a legal conflict and need representation, a dispute lawyer can guide you through the litigation process - from filing or defending against a lawsuit to negotiating settlements or representing you at trial.

When Should I Hire a Lawsuit / Dispute Lawyer?

You should consider hiring a lawsuit or dispute lawyer when you're involved in a legal disagreement that cannot be resolved informally and may require legal action. Common reasons to hire a lawyer include:

  • Breach of contract: If someone has failed to fulfill the terms of a contract, a lawyer can help you file a lawsuit to seek damages or enforce the agreement.
  • Business disputes: Whether it's a partnership disagreement, shareholder conflict, or a dispute with a supplier or customer, a lawyer can help resolve business-related issues.
  • Property disputes: If you're involved in a dispute over property ownership, boundary issues, or landlord-tenant conflicts, a lawyer can assist in resolving the matter.
  • Personal injury claims: If you were injured due to someone else's negligence and are seeking compensation, a lawyer can represent you in a personal injury lawsuit.
  • Debt collection or defense: If you're being sued for unpaid debts or need to collect a debt owed to you, a lawyer can represent you in court or negotiate settlements.
  • Employment disputes: If you're involved in an employment-related dispute, such as wrongful termination or discrimination, a lawyer can help you file a claim and represent you in court.
  • Defending against a lawsuit: If you've been sued, a lawyer can defend you against the claims, challenge the evidence, and negotiate a settlement or represent you at trial.

Hiring a lawyer early in the process can help ensure that your case is properly managed and that your rights are protected throughout the dispute resolution process.

What Does a Lawsuit / Dispute Lawyer Do?

A lawsuit or dispute lawyer provides a wide range of services to help clients navigate legal conflicts and seek resolution. Their tasks typically include:

  • Evaluating your case: Reviewing the facts and evidence to determine the strength of your case or defense and advising you on the best course of action.
  • Filing lawsuits or responding to lawsuits: If you're the plaintiff, the lawyer will file a lawsuit on your behalf. If you're the defendant, they will respond to the lawsuit and build a defense strategy.
  • Gathering evidence: Collecting and reviewing evidence such as contracts, emails, financial records, and witness statements to support your case.
  • Handling negotiations: Negotiating with the opposing party to reach a settlement before the case goes to trial, which can save time and money.
  • Representing you in court: Presenting your case in court if a settlement cannot be reached, including presenting evidence, questioning witnesses, and making legal arguments on your behalf.
  • Exploring alternative dispute resolution (ADR): Suggesting mediation or arbitration as alternatives to a trial, which can be faster and less expensive.
  • Drafting legal documents: Preparing and filing necessary legal documents such as complaints, motions, and responses, as well as drafting settlement agreements if a resolution is reached.

How Are Lawsuit / Dispute Lawyers Paid?

The fee structure for lawsuit or dispute lawyers varies depending on the complexity of the case, the type of dispute, and the lawyer's experience. Common payment methods include:

  • Hourly rate: Many lawsuit lawyers charge by the hour, especially for cases that require extensive preparation, research, and trial work. Hourly rates typically range from $150 to $500 or more, depending on the lawyer’s experience and location.
  • Contingency fee: In certain cases, such as personal injury or breach of contract claims, a lawyer may work on a contingency fee basis. This means they only get paid if they win the case, usually taking a percentage (typically 25% to 40%) of the settlement or damages awarded.
  • Flat fee: For specific services, such as filing a simple lawsuit or representing you in mediation, some lawyers may charge a flat fee.
  • Retainer: In complex cases or long-term litigation, a lawyer may ask for a retainer, which is an upfront payment to secure their services. The lawyer will then bill against the retainer as they work on the case.

Discuss the fee structure with your lawyer during the initial consultation to understand how fees will be handled throughout the case.

How Much Does a Lawsuit / Dispute Lawyer Cost?

The cost of hiring a lawsuit or dispute lawyer depends on the complexity of the case, the lawyer's experience, and the fee structure they use. General cost estimates include:

  • Hourly rates: Lawyers may charge between $150 and $500 per hour, with higher rates for more experienced attorneys or cases requiring extensive trial preparation.
  • Contingency fees: If your lawyer works on a contingency basis, expect them to take 25% to 40% of any settlement or court award. For example, if you win $100,000 and the contingency fee is 33%, the lawyer would receive $33,000.
  • Flat fees: For less complex disputes or tasks, such as drafting a settlement agreement or representing you in mediation, flat fees may range from $1,000 to $5,000, depending on the scope of work.
  • Retainers: Some lawyers require an upfront retainer fee, which can range from $5,000 to $20,000 or more, depending on the case complexity and expected litigation length.

Make sure to ask for a detailed breakdown of fees during your consultation so you know what to expect.

Top Questions to Ask a Lawsuit / Dispute Lawyer

Before hiring a lawsuit or dispute lawyer, consider asking the following questions:

  1. What experience do you have with cases like mine?
    Ensure the lawyer has handled similar disputes and is familiar with the relevant area of law.
  2. How do you charge for your services?
    Clarify whether they charge hourly, on a contingency fee basis, or offer flat fees, and ask for a detailed cost estimate.
  3. What is the likelihood of success in my case?
    Ask for an honest assessment of your case and potential challenges.
  4. Have you handled cases that went to trial?
    If a trial is possible, confirm the lawyer has courtroom experience.
  5. How long will the process take?
    Get an estimate of the timeline for resolving your dispute.
  6. Will you handle my case personally?
    Understand who will manage your case and their level of involvement.

How to Check the Credibility of a Lawsuit / Dispute Lawyer

To ensure you're hiring a reputable lawyer, take the following steps:

  • Check their bar status: Confirm with your state bar association that the lawyer is licensed and has no disciplinary actions.
  • Look for relevant experience: Review their website or professional profile to ensure they specialize in litigation or dispute resolution.
  • Read client reviews and testimonials: Look for feedback on platforms like Avvo, Martindale-Hubbell, or Google.
  • Ask for references: A credible lawyer should provide references from past clients.
  • Check for professional affiliations: Membership in organizations like the American Bar Association’s Section of Litigation can indicate expertise.

What Should I Prepare for My First Consultation?

To make the most of your initial meeting, bring the following:

  • Contracts or agreements: Copies of any signed contracts or relevant agreements.
  • Emails and communications: Any written communication between you and the other party.
  • Evidence of the dispute: Receipts, financial records, photos, or witness statements related to the conflict.
  • Timeline of events: A clear chronology of the dispute, including key dates and interactions.
  • List of questions: Prepared questions about your case, the legal process, costs, and strategy.

Being well-prepared will help the lawyer assess your case effectively and provide you with the best legal advice on how to proceed.

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