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Jann C. Washington, Esq.

Attorney at Law

If you need help settling your debts, or are unsure about whether negotiating settlements is appropriate, I can provide you with practical legal advice after fully analyzing your situation. Having worked for a debt buyer in the past, and with my knowledge of foreclosure defense and bankruptcy, I can advise you as to the best options in handling your debt. I can also represent you if a creditor files a lawsuit. I will go over all of your options with you. I will help you figure out if you really should try to settle your debts or whether you should do something else, like file for bankruptcy, for example.

WHAT DO I DO IF I'VE BEEN SUED?

As if being in debt isn’t enough of a stressor already, now you’ve learned that you’ve been sued by the bank! As tempting as it may be to ignore the lawsuit, don’t. Doing so will very likely lead to a default judgment being entered against you. Default judgments, as you may know, can grant your bank permission to garnish your wages and your bank accounts.


Because navigating through the trial process can be a very scary and complicated experience, many people choose to hire an attorney to represent them in the matter. I can help you through the process and get you a better outcome than if you ignore the matter completely.

WHY HIRE A DEBT SETTLEMENT LAWYER?

If you are considering debt settlement as a way to rid yourself of unwanted debt, you have at least two options: you can hire someone to do it or you can try to do it yourself.


Doing it yourself is almost always a bad idea. The old axiom: “the lawyer who represents himself has a fool for a client” applies to those who attempt to negotiate their own debt. Not everyone can do their own car repairs. Not everyone can fix their own appliances. You hire a professional because the result matters to you. It is the same with debt settlement. Even worse, your bank and credit card company have spent thousands of hours identifying the best methods to extract more money from you than you want to give them. Lack of knowledge in a negotiation is a very bad thing: people that try to do it themselves don’t know what they don’t know. Because all creditors are not the same (some will accept less than others and some will demand far more than people read about on the internet), a DIY debt settler will often accept offers that could have been far better and reject offers that will not get any better, often leading to litigation.