After a first career as an English teacher, I graduated from law school in 2005. I... more
After a first career as an English teacher, I graduated from law school in 2005. I am interested in law involving consumers and residential clients, including real estate, bankruptcy, and disability law. I pride myself on working diligently for every client, explaining legal matters simply and clearly, and staying regularly in touch with my clients.
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.