Looking for a debt collection attorney but not sure where to begin? There are a lot of debt collection law firms and debt collection agencies available to choose from. What’s best for your individual case, however, isn’t always easily ascertainable from a simple online search. When it comes to search results, first doesn’t always mean best. Sometimes the first spots are debt collection agencies and lawyers with savvy marketing skills or those who purchased keywords or ad space — none of which reflect a debt collector’s ability to collect within the state. The best way to find a debt collection lawyer often varies. Asking your networks for recommendations may help you find a skilled debt collection attorney. But what if no one has a suitable recommendation?
Here are some recommendations for finding an experienced debt collection lawyer.
Consider Your Needs
Before you begin your search for a debt collection lawyer, it’s important to consider your needs.
Debt collection doesn’t always mean litigation. Like a debt collection agency, a debt collection lawyer can send communications on your behalf requesting the monies owed. Because these notices come from a law firm, you may see better results than you would with a debt collection agency.
If you work in a specific industry, you may also want to look for a law firm with experience representing clients in your field.
Another thing you’ll want to determine is the type of client a law firm represents. Law firms don’t just work with creditors, many also represent debtors. A skilled debt collection attorney can help you weigh your options as a debtor and fight against judgments entered wrongly or without notice.
Look for a Reputable Lawyer
Once you have a clear idea of your legal needs, it’s time to start researching potential lawyers. If your networks don’t have any recommendations, you can use a reputable legal directory, like Martindale-Hubbell, to assess a lawyer’s qualifications. Debt collection lawyers can not pay to be listed within a legal directory. However, once they appear on the list, they can pay to enhance their profile.
Another suggestion is to search the court records in the state and look for cases handled by the debt collection lawyer. For example, if you are looking for a New York debt collection lawyer, you can search the lawyer’s name in the New York state courts and review the cases the debt collection lawyer handled.
Check the Lawyer’s Qualifications
Be sure to verify the lawyer’s license before engaging in any work. It’s important to make sure the lawyer you’re considering hiring has a license to practice in your state. You can check the status of a lawyer’s license through a state’s court website.
You should also look for information about the lawyer’s education, experience, and any disciplinary actions taken against them. If your state requires a license to operate a debt collection agency or debt collection law firm, check to make sure the agency or firm has the requisite licenses.
Looking for WBE or MWBE qualifications? Check for those as well. This information can help you determine whether the lawyer is a good fit for your case and if they have the necessary skills and experience to represent you.
Schedule a Consultation
Once you narrow down your list of potential lawyers, it’s time to schedule a consultation with each one. This is a great opportunity to discuss your case and get to know the lawyer. During the consultation, you should ask them about their approach to debt collection in addition to the following questions:
- What is your experience handling cases like mine?
- What is your success rate when it comes to cases similar to mine?
- How often do you communicate with your clients and what is your communication style?
- What is your fee structure?
- Do you have the availability to take on my case?
Evaluate the Lawyer’s Communication Skills
It’s not enough to just ask a lawyer about their communication style. Good communication is essential for a successful lawyer-client relationship, making it necessary that you find a debt collection lawyer who is responsive and communicative. During the consultation, pay attention to how the lawyer responds to your questions and concerns. Do they seem interested in your case and willing to listen to your needs? Do they communicate in a clear and concise manner or do they use legal jargon that you don’t understand? These factors can help you determine whether that lawyer is someone you’re going to want to work with.
Consider the Lawyer’s Fees
The cost of hiring a debt collection lawyer can vary widely, so it’s important to consider the lawyer’s fee structure before you make a decision.
Some lawyers charge an hourly rate, while others may charge a flat fee or a contingency fee — a certain percentage of any money collected. Make sure you understand the lawyer’s fee structure and any other expenses you may incur, such as court costs or filing fees.
Make Your Decision
After evaluating the lawyer’s qualifications, communication skills, and fee structure, it’s time to make your decision. Choose a debt collection lawyer who you feel comfortable with and who has the experience and skills necessary to represent you effectively. Trust your instincts and your research.
For more debt collection best practices, check out our blog.
