Prior to obtaining a job in the legal field I worked in Human Resources for a... more
Prior to obtaining a job in the legal field I worked in Human Resources for a security guest service company servicing the needs of MT Bank Stadium and the Baltimore Ravens. In my second year of law school I was asked to become a paralegal at the firm of Scurti, Meiselman Bledsoe working in the field of bankruptcy. I worked with SMB for approximately 10 months and then accompanied Mr. Scu... view profile
Using her combined experience of over 15 years, first as a CPA and now as an... more
Using her combined experience of over 15 years, first as a CPA and now as an attorney, Sonya Smith-Valentine has had a successful legal career winning cases against credit bureaus, credit card companies, banks and collection agencies for unlawful activity. Sonya has built her firm to have a significant presence and practice helping consumers with credit reporting errors, debt collection haras... view profile
I am not the average bear when it comes to being a lawyer. It took me ten years to... more
I am not the average bear when it comes to being a lawyer. It took me ten years to get my undergraduate degree. I didn't go to school for those entire ten years. I worked at various jobs including high school football coach, auction runner, baseball umpire, working in a bread making factory, working as a bouncer at various bars, loading and unloading trucks at UPS, being a soldier (twice), and ... 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.