If creditors are harassing you for money you don’t have and payments you can’t afford to make, you may be wondering what the options are. With help from a debt relief lawyer, it may be possible to settle the debts for a lower amount than what you owe, easing some of the financial burden. If you’re considering handling these negotiations yourself or turning to a debt settlement company, consider the following reasons to hire an attorney instead.

Why You Should Hire a Debt Relief Lawyer

1. Legal Advice

Debt settlement companies don’t have your best interests in mind, nor are they qualified to provide legal advice. A debt relief lawyer, however, can tell you whether settling your debts is a good solution or if bankruptcy might be a better route. Not only will they help you make this difficult decision, but they’ll also offer you sound guidance throughout the entire process.

2. Confidentiality

Lawyers are required to keep their clients’ information confidential, which protects you in the event of a lawsuit. If you work with a debt settlement company, they aren’t bound by the same legal requirements, leaving you vulnerable if a creditor decides to sue. When you choose a lawyer, you will feel confident you’re protected by attorney-client privilege.

3. Stop Harassment

What spurs most debtors to seek relief is the constant phone calls, letters, emails, and even in-person visits from their creditors. While they have the right to attempt to collect their money, they cannot harass you. A debt relief lawyer can advise you as to the means available to stop such harassment and hopefully alleviate a great deal of stress. Additionally, they can look for other ways the creditor may have violated the Fair Debt Collection Practices Act and use that information in their negotiations.

4. Skilled Negotiation

Maybe you negotiated with a car salesman before or requested a higher salary or more vacation time before accepting a job, but negotiating with creditors is more difficult and intimidating. Even if you think you can handle it, consult with an attorney first, as they can offer you advice. Generally, you’re better off letting them handle all the negotiations, as they’ll work to find the solution that most benefits you.

5. Proper Defense in a Lawsuit

Unfortunately, some creditors may sue you before you’re able to settle the debt or file for bankruptcy. To avoid judgments that involve wage garnishment, vehicle repossession, and other consequences, you’ll want a debt relief lawyer on your side who can provide the proper legal defense.

You don’t have to face your creditors alone. Working with skilled debt relief lawyer Robert A. Schwartz in Rochester, NY, will provide you with adequate protection while alleviating some of the stress you’re experiencing. With over 30 years of experience in debt relief, bankruptcy, real estate, and foreclosure, you can trust him to work diligently to settle your credit card debt. Learn more about his practice online, or call (585) 351-2929 to schedule a free evaluation.