Debt Resolution

This encompasses all management phases of debt and asset protection, including the review of state exemptions and exemption forms if applicable.

Consumer Issues

Miscellaneous issues like attempting to recover a security deposit from a landlord, trying to collect a debt that is owed to a client, or dealing with a mechanic or car dealer.

Estate Planning

Draft wills or revocable living trusts, financial and healthcare powers of attorney, living wills/advance directives, and any related documents.

Appeals

I handle state and federal civil appeals to the appellate courts

(NC clients only).

Options for Resolving/Dealing with Debt – Doing Nothing

This is an option, primarily for elderly clients, but it can be for anyone with a fixed income, like Social Security or Social Security disability or with income which is exempt from garnishment (see my articles on exemptions).  The individuals who choose this option...

Options for Resolving Debt – Litigation

Litigation attorneys will probably take issue with what I am about to suggest, but where lawsuits are brought in a timely fashion, i.e., before the statute of limitations has expired, and there is no question that the debt belongs to the debtor, and any required proof...

Options for Resolving Debt – Debt Resolution

There are several ways to resolve a debt:  (1) by paying the debt in full, (2) by settlement of some type; or (3) by way of bankruptcy.  Which you choose again depends on your circumstances and when you pay – either pre- or post-judgment. If you have the means to pay...

Options for Resolving Debt – Bankruptcy

This article is intended to provide a general overview of the bankruptcy process.  For more information about bankruptcy in general, you can use the links on my website to go to some other websites. NOTE:  I AM NOT A BANKRUPTCY ATTORNEY AND THIS DOES NOT CONSTITUTE...

Debt Management

Debt management is a subset of debt consolidation.  Like debt consolidation, a debtor takes several credit card bills and reduces them to one monthly payment at a lower interest rate.  For many debtors who have lost a job or suffered a reduced income and are trying to...

Debt Resolution

Debt resolution, also known as debt settlement or debt negotiation conjures up many negative connotations.  In fact, many attorneys who post on various legal advice sites frequently mention scam in the same sentence as debt settlement.  And they would not be far from...

Georgia Exemptions

In Georgia, there are two sets of exemptions, constitutional and statutory.  The exemption laws were enacted just after the Civil War and have not kept pace with modern times.  Georgia allows you to exempt up to $5,000 worth of your personal property (non-cash) and...

North Carolina Exemptions

To collect on a judgment in North Carolina, a creditor is required to have the sheriff serve the debtor with two pieces of paper – one is a “Notice of Rights to Have Exemptions Designated” and the other is a “Motion to Claim Exempt Property.”  These are very very...

Pennsylvania Exemptions

While Pennsylvania does not have wage garnishment, see 42 Pa.C.S.A. § 8127, Pennsylvania is the least generous of all the states when it comes to exemptions.  There is no homestead exemption in Pennsylvania like there is in other states.  Nor is there an exemption for...

Payday Lending in North Carolina

In 2001, the payday lending laws were allowed to expire.  Payday lenders tried to circumvent the law and in 2006, the NC Attorney General was able to work out a deal with payday lenders who thereafter ceased doing business in North Carolina.  You can read about it...

Patricia B

Ms. Hunter responded to my appeal for assistance regarding a situation I had no experience dealing with. From the moment we began discussing the matter, I felt her genuine concern and trusting reassurance. Ms. Hunter could not have been more generous with her time, perspective and input. She guided me through understanding how a more rational and professional approach to resolving the matter would benefit me rather than immediately “lawyering up.” At the onset of our discussion, I felt she was truly listening to me. She was incredibly patient. Her objectivity and perspective helped me navigate through the intense emotion and anxiety this matter gripped me with. I felt an immediate sense of relief and peace of mind within the very few minutes of our discussion. Even though Ms. Hunter tends to clients from three separate states, during the time she gave me, I felt like I was her only client. I simply cannot express the depth of my gratitude to Ms. Hunter for her superb counsel, wisdom, expertise and rational approach in resolving the matter she helped me with.

Kathy T.

I would like to take the time to thank Ms. Rachel Hunter for assistance in a Civil Summons matter. She was a Godsend for me. Knowledgeable, compassionate, and beyond that a willingness to serve above and beyond. I could not have made it without her and her timely advise and giving nature. I am truly blessed to have had the pleasure of knowing her. Please do not hesitate to reach out to her in your time of need. She will give it to you straight and not let you down! This is something we rarely see in our day and time. I am more than grateful! Be Blessed

Joe S.

Rachel took the time to help calm my nerves regarding my debt issues. She is very knowledgeable. She shows even people who suffer from mental illness can be helped through tough times with creditors. I would recommend her greatly to anyone needing the help to fix their credit problems. She makes things understandable and easier to deal with. I will be using her for any upcoming legal matters.

JLS

Honest, compassionate, knowledgeable and highly-competent. If you are suffering with credit issues, be pro-active and call Rachel. In short order, you will have a game plan worked out that is an organized approach providing you with your best options for resolution of your debt problem. Then, you can expect Rachel to step up as an effective and articulate representative on your behalf in communicating and negotiating with any creditor. Rachel fills an important niche for credit sufferers. You can do no better.

Marjorie Y.

A brilliant attorney who leaves no stone unturned.  Knowledgeable in her specialties, she negotiated with a huge bank for us in a short sale final balance due for a fraction of what the bank wanted and it would not negotiate with me.  There were many mitigating circumstances.  She also referred me to an attorney in my state to ascertain my situation within the existing parameters of my state’s laws; the consultation was lengthy and informative and cost me only $50.  Her initial letter to the bank was so powerful, that it brought immediate response, when I could get no one in any department to answer me.  The banks are dishonest and played a great part in the economic collapse we are still immersed in.  Rachel is a champion of righting those wrongs and her mission is helping Americans who have been hurt by banking villains.  Furthermore, Ms. Hunter was able to negotiate a notification to credit bureaus of a change in status of how the bank reported the circumstances of my short sale.  We are most fortunate to have found Rachel Lea Hunter, Attorney.

Michael

Ms. Hunter advised as to how to file $5,000 constitutional exemption from Judgment creditors in Fulton County Ga. Her Petition sailed through when I filed it. She did not charge me as I’m senior on SS.  Unique lady in this day and age.

Bob

Do not hesitate to contact Rachel Hunter when you need sound advice with your summons or other legal matter.  I found her name while reading through several blogs and they all spoke highly of her so I reached out to her via email and I am so glad I did.  She was everything I could have hoped for including caring and compassionate.

Mark

I feel as though Ms. Rachel Lea Hunter would be a good choice for a person seeking fairness and knowledge in assisting them with their problem.  She seems to me to be an experienced lawyer, capable of providing a comprehensive analysis on a given situation.  Ms. Hunter is prompt in answering your question, and I also believe her to be honest and very personable in how she relates to you.  Sincerity is always desirable in an attorney.