Lexie Zirschky is an associate attorney in Barker Martin’s Portland office. She focuses her practice on the firm’s Collections Services Program, helping condominium and homeowner’s... more
Lexie Zirschky is an associate attorney in Barker Martin’s Portland office. She focuses her practice on the firm’s Collections Services Program, helping condominium and homeowner’s associations to recover unpaid assessments and effectively enforce their governing documents. Prior to joining Barker Martin, Lexie clerked for the Honorable Katherine Weber in Clackamas County Circuit Court, and wor... 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.