Rafael Gil III was born in San Juan, Puerto Rico in 1975. He is married to the... more
Rafael Gil III was born in San Juan, Puerto Rico in 1975. He is married to the former Kimberly Phipps of Dothan and has 3 children. He graduated from AuburnUniversity with a Bachelor of Science Degree in Pre-Law, with an Associates Degree in Criminal Justice in 1997. He received his Juris Doctor from FaulknerUniversity, Jones School of Law in 2000. He is licensed in Alabama and the Federal Cour... view profile
If you owe a large amount of money on unsecured debts, you may require the services of a debt settlement lawyer. Unsecured debts include medical bills, student loans, credit cards, store and gas cards, personal loans, collection accounts, and bounced checks. For these sorts of debts, lenders will usually accept less than the full amount if it's clear you don't have the money to pay them (especially if the original amount has continued to grow with interest, late charges, and collection costs). A debt settlement attorney can negotiate with the lender and objectively present the facts in your case. Oftentimes, unsecured debt lenders would rather settle with you than take a chance on getting nothing if you file for bankruptcy. If the negotiation is successful, the creditor may even be convinced to take the settled debt off your credit history.