Ridgewood Debt Settlement Attorneys — 2 found

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  1. Ridgewood Debt Settlement Attorney Justine A. Zeppone

    Justine Zeppone

    Client Review: I contacted Ms. Zeppone about a work related matter and asked her to review some information that...
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    Licensed for 11 years
    AVVO
    RATING

    6.3

  2. Ridgewood Debt Settlement Attorney Stephen Todd Raff

    Stephen Raff

    Paterson, NJ Debt Settlement Attorney
    Licensed for 16 years
    Not yet reviewed
    AVVO
    RATING

    6.6

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.