debt consolidation, credit pay offs, etc.

[jw]

Originally Posted by mikejet

Contact the credit card companies directly and try to settle on your own. You can get good results if you have the cash on hand to make a lump sum payment.

A lawyer is better at helping than those consolidation companies. Many of those companies ask for a fee upfront regardless if they can help or not.

What makes a lawyer any different?

[mikejet]

Originally Posted by jwbbud

What makes a lawyer any different?

They'd be better at helping you with your rights and working with a company. My coworkers have successfully used lawyers to help them renegotiate their home loans, they should be able to help with debt too.

Of course the hard part is being able to afford a lawyer when you are in debt.