Debt: Lawyer or Free Debt Advisor?
When the mountain of debt gets bigger and bigger, the first step of the person concerned leads to free debt counseling and often ends in a queue. The demand at these advice centers is so high that indebted people often have to put up with long waiting times.
As an alternative, it is possible to seek advice from a lawyer for debt. These lawyers are mostly specialized in the relevant areas of law and can react faster than the free debt counseling.
When should a debt attorney be contacted?
In certain cases, it is important that debtors act quickly so that on the one hand the debt does not continue to grow and on the other hand they do not face other difficulties, such as an apartment termination.
A debt lawyer or debt counseling service should be contacted as soon as possible in the following cases:
- Rent, gas, heating or electricity can no longer be paid for.
- Those affected can no longer pay their bills.
- The bailiff has announced himself.
- There is a threat of a wage or account attachment.
- The monthly expenses usually exceed the income.
- You have been sent a notice of payment or enforcement notice.
Debt advice from a lawyer: what are the costs?
People who already have no money and are struggling with debts understandably shy away from making further financial commitments. And a debt the lawyer incurs costs. But such advice also helps those affected to get their financial problems under control and one day to be able to lead a debt-free life again. However, the legal procedures for this are not free of charge.
In the following cases, those affected can have a counseling assistance certificate issued:
- People with a very low income, e.g. B. recipients of ALG II, social assistance
- Debtors who are only left with the subsistence level because of a garnishment
- Other cases in which the applicant after deduction of rent, maintenance payments, etc.
Spending an income remains that is low. In these cases, the person concerned must provide evidence of his income and expenses to the application office. Based on chapter 7 bankruptcy, the permitted income limit is calculated accordingly. The counseling aid certificate must be applied for at the local court at your place of residence. The lawyer can use this certificate to settle the consultation fees directly with the court.
This certificate includes the following services:
- Legal advice
- Legal representation
- Correspondence
- Out-of-court dispute resolution
Apply for the counseling certificate before the lawyer advises you on debt and how to reduce it. It is also possible to apply for this retrospectively with the help of the lawyer. In that case, however, you run the risk of having to pay the legal fees yourself if the advisory assistance is refused.
If you are not granted advice, the lawyer can explain exactly what costs you will have to pay. Sometimes the initial consultation with a debt attorney is free. The lawyer will then also explain the costs to you. Good lawyers break down their fees and the method of payment so that you always know what payments to expect.
How Does a Debt Lawyer Help?
Lawyers who advise on debts and how to reduce them usually follow the following steps:
1. Initial meeting
In an initial meeting, the client’s specific financial problems are discussed. In this conversation, he also learns from the lawyer what costs will be incurred in the event of an assignment.
2. Appointment
The debt attorney will only act for you after you have hired him.
3. Development of a solution strategy
A common solution strategy is then developed. This often means that the lawyer works towards a debt settlement. This is an out-of-court settlement attempt with the creditors.
4. Implementation of the strategy
If it is specifically about a bankruptcy case, those affected can also turn to a specialist. A bankruptcy attorney can assist and advise insolvent persons in necessary proceedings.
Attorney Debt Fighters is admitted to the bar for more than 20 years.
We are also active as a court-appointed professional supervisor and estate administrator. Since 2014, we have also been a “specialist lawyer for inheritance law” besides bankruptcy attorney. We are happy to offer you my help and support in the indicated areas of law. You can rely on many years of professional experience, continuous training and absolute commitment to the matter.
Please note, after the Pandemic thrived, we also offer consultations by phone or as a video call.
Lawyer for inheritance law and wills
Advice on drawing up the will, drafts of wills in the form of individual wills, inheritance contracts or, in the case of spouses, in the form of a joint will. After the inheritance, questions arise regarding the valuation of the estate, the enforcement and defense of compulsory portion claims and the dispute between communities of heirs. We also offer our clients the advice on drawing up a power of attorney or living will.
Lawyer for family law and maintenance law
In family law, the activity consists in particular in the assertion or defense of maintenance claims, the implementation of the divorce, proceedings of the right of contact with the children or the regulation of parental custody.
Real estate law attorney
Real estate law describes the problems and legal disputes that can arise around the property. The activity consists of advice on the purchase/sale, the drafting of property purchase agreements and support in the execution of these agreements. Likewise, claims for damages from incorrect contracts and the reversal of such agreements. In addition, the regulation of rights to the land such as housing rights, real burdens or rights of way.
Feel free to contact Attorney Debt Fighters
Attorney Debt Fighters is set to free and relax minds of those who are in problem with the legal cases, such as bankruptcy, family and separations, business matters, among others. We urge you to discuss with us your needs and complications, and let us take care of the rest. Call us now at (727) 477-8752 to get instant consultation.