I grew up in Texas, went to college in Idaho, and have lived in Virginia since 2006. I became a lawyer because I have a passion for helping people solve their problems. I know that... more
I grew up in Texas, went to college in Idaho, and have lived in Virginia since 2006. I became a lawyer because I have a passion for helping people solve their problems. I know that people come to attorneys because they are very stressed; many are facing very difficult times in their lives. Therefore my philosophy is to treat every client as a person, not as "just another case." When not ... 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.