James D. Murtha has been a member of the consumer credit industry for over twenty-... more
James D. Murtha has been a member of the consumer credit industry for over twenty-five years, having held key positions in several of the nations leading debt-collection firms. As an expert in FDCPA, FCRA and HIPAA issues, Mr. Murtha has written and taught on the subjects and has successfully litigated cases in defense of consumers rights. In addition to his passion for consumer defense, Mr. Mu... 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.
Debt Settlement Attorneys in cities near West Islip, NY