I am a native of Baton Rouge and understand the values held by fellow residents and... more
I am a native of Baton Rouge and understand the values held by fellow residents and business owners in southern Louisiana. I opened my firm in 1992 on the principle that people have the right to get a fresh start from the heavy burden of debt. Over the past two decades, I have successfully represented thousands of clients in personal bankruptcy cases as well as business related bankruptcy cases... 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.