Tips For Finding The Right Debt Collection Attorney
Finding a consumer rights attorney to handle your debt collection case is one of the first things you want to do after being contacting by a debt collector. Having a lawyer on your side to negotiate with creditors and debt collectors on your behalf can go a long way in reducing the amount of debt you allegedly owe or making the debt disappear altogether. But finding the right attorney is not always easy, particularly if you’ve never had to hire one before. Here are some helpful hints for choosing the right attorney.
Know Your Needs
Before you can select an attorney, you need to understand your needs and the way in which you want your case handled. For instance, you may want work-out a payment plan for an alleged debt, or you may want to fight the debt in court. By understanding your circumstances, you will have a clearer understanding of what type of personality you need in your consumer rights attorney. You may also have specific ideas as to whether your lawyer is male or female, old or young, etc. These types of preferences are perfectly normal. You want to find an attorney who will satisfy your needs and with whom you feel comfortable working.
Know How Much You Want To Spend
Before you can select an attorney, you should know how much money you can spend on an attorney or how much money you are willing to pay your lawyer from the award you receive. It is not uncommon in debt collection cases for lawyers to only charge you court and litigation costs, hoping to recover attorney’s fees from the debt collector when he or she wins your case.
Sometimes, if you are suing a debt collector for FDCPA violations or other damages, your attorney will take your case on a contingency fee basis, meaning he or she will receive a percentage of the amount you obtain from a settlement or jury award. The percentage that attorneys charge varies depending on the size and type of firm, experience of the attorney(s) and how specialized the lawyers are. The more experienced and specialized an attorney is, the more likely they will charge a higher percentage. However, there are laws that cap how much your attorney can take of your award. Make sure to discuss the contingency rate(s) with any attorneys that you consult about your case.
Consult Relatives And Friends
The unfortunate reality is that you probably have a friend or family member (or both) who has also needed the assistance of a consumer rights attorney. Talk to these individuals and get their opinion as to the performance of their attorney, and see if they have any recommendations for you. This is likely the best way to find the attorney that’s right for you, because your family and/or friends experienced the attorneys’ conduct and performance firsthand and will be honest with you. Of course, only consult relatives and friends whom you can trust.
Always ask as many questions as possible when meeting with an attorney for the first time. Most initial consultations with a consumer rights attorney are free, so you have nothing to lose. At least that’s our philosophy at Fitzgerald & Campbell, APLC. Take advantage of your first meeting and ask the important questions, such as how long the attorney has been practicing, what niche or specialty areas they practice, whether they are familiar with the judge(s) that will likely decide your case, and the types of clients they have represented or cases they have pursued in the past. You can never be too informed when it comes to selecting an attorney.
If you are being harassed by a debt collector or have any other issue with creditors and third party debt buyers, you need the help of an experienced debtor rights attorney—like those at Fitzgerald & Campbell, APLC—to review your case and discuss your options with you. Our attorneys have decades of experience representing clients in all types of consumer defense cases and we are here to help you!
Call us today for a free consultation at (855) 709-5788, or email us at email@example.com.