Why You Should Hire A Debt Relief Lawyer

As a citizen of the US, you may have debts, but that doesn’t mean you lose all your legal rights. In fact, if you’re dealing with collection agencies or other types of debt collectors, you can preserve those rights by hiring a debt relief lawyer. 

While these legal professionals can present you in court if you’re sued, you don’t need to wait for a lawsuit to strike to hire one. You have plenty of options available early in the process, which a debt relief lawyer can help you pursue.

What Does A Debt Relief Lawyer Do?

Debt relief lawyers specialize in assisting individuals handling large amounts of debt. Some legal professionals offer a wide array of debt relief services, while some specialize in different subcategories of this field, including consumer protection, bankruptcy, or debt settlement. 

Generally speaking, a debt relief lawyer can help you deal with debt collectors. Due to their experience and knowledge, they can negotiate on your behalf with lenders to set up a settlement agreement that works for both parties. 

For instance, they may negotiate a single lump sum payment that is less than the full amount, which settles the debt for good and puts a stop to any collection proceedings. 

This may apply to unsecured debts such as medical bills, payday loans, and credit cards. 

When Should You Hire A Debt Relief Lawyer?

Before hiring a debt relief lawyer, you should consider your financial situation. In most cases, you want to hire a lawyer when the situation is urgent or you’re not sure how to pay back your debts. 

Here are some instances when getting legal help is necessary:

• Lender has started legal action against you to recover your debts
• You were sued, resulting in the lender winning the court motion and attempting to garnish your bank account or wages
• Lender is harassing you with non-stop emails or phone calls despite your objections
• You want to learn how to approach your due debits while also protecting your credit score and possessions from foreclosure and repossession

If you have the funds, you can be proactive about the matter and hire a lawyer as soon as your debt spirals out of control. This way, you can avoid the mental torture and settle the debt as early as possible. 

Benefits Of Hiring A Debt Relief Lawyer

The biggest advantage of hiring a debt lawyer is that you’re protecting your rights. Most legal professionals specializing in this field have multiple years of experience handling matters with debt collectors and lenders. 

As such, they can advise you on the most beneficial strategies to settle your debt with minimal financial burden. 

This also extends to their expertise in negotiations. Most regular people are ill-prepared to work out the right settlement with the lender, especially if they already experienced harassment. Plus, a lawyer can also step in to represent you in court if push comes to shove and no other options are remaining. 

Equally important, by hiring legal counsel, you can avoid intimidation tactics that collection agencies love to resort to. The sheer act of hiring a professional is enough for these agencies to stop pushing you around or even trying to trick you.

In some cases, debt collectors and lenders may end up breaking the law while recovering the debt. A lawyer can easily identify these violations and potentially use them as leverage in negotiations, or start legal action against the debt collectors if you suffered any damages.

Lastly, with a lawyer handling your case, you don’t have to waste unnecessary time handling the paperwork. This helps eliminate any confusion and circumvent potential technical errors that could lead to problems later. 

How To Choose A Debt Relief Lawyer

If you’re looking to hire a lawyer, there are some important considerations you need to be aware of. 

First things first, steer clear of anyone who is offering to onboard you without a consultation or is unwilling to meet you in person. Reputable legal professionals usually offer free consultations and case evaluations, which you can use to gauge if they’re a good fit for you. 

Although appearances aren’t everything, the way your attorney makes you feel is a good indication of the experience you’ll have moving forward. In other words, the more comfortable you are in their presence, the better the match. 

When you’re at their office, keep a close eye on the paralegals and other members of the legal team. You’ll most likely communicate with them regularly, so you want to make sure that you’re comfortable interacting with them as well. 

Next, you want to ask the lawyer about the types of cases they handled in the past. For instance, if you have an outstanding IRS debt, you should inquire if they have experience dealing with the IRS. 

It’s also useful to ask them about their results. After all, why pay for legal services if there’s no guarantee that they’ll deliver on their promises? Naturally, lawyers aren’t fortune tellers. However, an experienced lawyer will have the data to back up their claims and they’ll be happy to refer you to past clients who can attest to the quality of their work. 

The last thing you should inquire about is the fee structure. No law firm is alike, so ask them to provide an estimate. Some lawyers charge upfront fees, while others will charge you at the end of their tenure. 

Others may even work on a contingency fee, which means they’ll only charge you if they provide you with a favorable settlement. 

Overcome Your Debts With The Law Offices Of Mary E. King

A debt relief lawyer can be a lifesaver and a beacon of hope for those who are in over their heads with debt. A lawyer helps you find a favorable debt relief program, negotiate with the lender on your behalf, and represent you in court if the other party takes legal action. These are all things you may not be able to do on your own, or rather, wouldn’t be able to do effectively. 

For IRS tax debts, you can’t go wrong with the Law Offices of Mary E. King. For twenty years, we’ve been assisting clients with their tax debt relief, and we like to say that we helped them negotiate a second chance in life, so to speak. 

With us at the helm, you can rest assured that someone is doing everything in their power to get you out of trouble - and we’ve got the track record to back this up. 

Schedule a free consultation by calling 941-906-7585 or filling out our contact form.

Note: 

The information in this blog post is for reference only and not legal advice. As such, you should not make legal decisions based on the information in this blog post. Moreover, there is no lawyer-client relationship resulting from this blog post, nor should any such relationship be implied. If you need legal counsel, please consult a lawyer licensed to practice in your jurisdiction.