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Debt Settlement Attorney

What You Should Look For In a Debt Settlement Attorney?

Unsecured debt can be rather easy to deal with or, in some cases, can be an absolute disaster when you can’t pay it off in full every month. We buy things on credit cards with the idea that we’ll simply pay it back later, but sometimes our plans don’t work out that way and we wind up with accumulated debt that we don’t know how to handle. Even when we had the best of intentions and sometimes even the income to pay off the card at the end of the month, times change and things happen and the credit card debt begins to build when we want nothing more than for it to go away completely.

You may have already tried to get rid of the debt by paying it and when that didn’t work, consolidating it – but maybe your income wasn’t low enough to do so. Finding debt relief is difficult in some cases, and when you’ve considered other options such as counseling and bankruptcy, turning to an experienced and professional settlement attorney may be the choice you have to make for yourself. If this option is on the table for you and your family, learning a little more about what you should be looking for and what kind of attorney you need can help you determine whether debt settlement is right for you.

Can You Use a Debt Settlement Attorney?

Is a debt settlement attorney right for you? Like all attorneys, debt settlement lawyers have limited power over what they can do. Most debt settlement attorneys will work incredibly hard on your behalf, fighting to improve your financial situation when it is otherwise quite poor. You can pay them renegotiate interest rates as well as amounts owed on your credit cards and other unsecured debts, and some will even help you work on refinancing your debt.

However, very few debt attorneys will offer their services for cheap, and they are almost always expensive. They can also not work with secure debt such as house loans or student loans, but they can help negotiate your medical bills, department store debt and almost any credit card you could have possibly opened in your name, and if you have a lot of secured debt like car and house loans, most times attorneys will not take your case as it is likely you will fall into bankruptcy anyway – but they can help you get through that if you’d like, too.

What to Look for in a Debt Settlement Attorney

When choosing a debt settlement attorney, make sure you choose one that’s worth hiring. Start with qualifications any attorney should have. Are they licensed, and if they are, are they licensed in your state? Do they have the proper certifications that are needed to fight for you?
You should also consider their experience and how they’ve done in the past. The only real way to check this out, however, is to ask them, and they don’t necessarily have to be honest – but it’s better to ask at all than to just assume they’ve done good for other people before.

Please also consider accessibility when choosing an attorney. People live busy lives but you should be able to have an attorney that can always be at your service when you need them, which means they should have more than one method of contact so you can keep up on what’s going on and they can inform you multiple ways if something changes in your case.

If you have additional questions regarding settling your debt, contact Symmes Law Group to schedule a free consultation.

  • Richard Symmes

    Hi, Richard here.

    Book a time on my calendar to receive a calendar invite along the option to schedule a Phone, Office or Zoom consultation.

    You may also fill out the contact form to get in touch and get a copy of my free e-book Guide to Living Debt Free in Washington State, Bankruptcy and Other Alternatives.