Jason M. Rapa, Esquire is the founder of Rapa Law Office, P.C. Jason practices... more
Jason M. Rapa, Esquire is the founder of Rapa Law Office, P.C. Jason practices together with his brother Matthew J. Rapa. Together they provide services not only in the Poconos and the Lehigh Valley but throughout the State of Pennsylvania. Jason focuses his practice in the areas of Bankruptcy, Consumer Protection and Personal Injury law, while Matthew focuses on Criminal Defense, Consum... view profile
I have been practicing law since 1998.I started as a collection attorney, handling... more
I have been practicing law since 1998.I started as a collection attorney, handling insurance subrogation cases for the most part. Finding it very non-fulfilling, I switched sides and began to practice consumer law. I started with vehicle Lemon Law cases in 2005 and then branched into credit card lawsuit defense about a year later. My office currently handles 35-40 credit card defense cas... 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.