Encinitas Debt Settlement Lawyers — 2 found

Compare debt settlement lawyers. Read client reviews, see Avvo Ratings, and contact them directly.

Lawyers with

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  1. Encinitas Debt Settlement Attorney Donald A Green

    Donald Green

    Client Review: Mr. Green and his employees have been a team that cares about their client. Everything went as pr...
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    Licensed for 12 years - $250-$350/hour
    AVVO
    RATING

    8.1

  2. Encinitas Debt Settlement Attorney Michael Gene Gaddis

    Michael Gaddis

    The Law Offices of Michael Gaddis, APC is a law firm dedicated to helping distressed homeowners save their homes. Helping distressed homeowners was a natural progression for Michael... more
    Licensed for 18 years
    AVVO
    RATING

    6.5

Debt Settlement

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.