Debtor and Creditor Lawyers
4,662 verified debtor and creditor attorneys across the United States. Find experienced Debtor and Creditor counsel to evaluate your case, explain your options, and represent you through every stage of the legal process.
Legal matters can be emotionally difficult unless one has an aggressive, intelligent, and vigilant lawyer who understands the legal system and who can...
Mr. Easa Ronny Mousa is a lawyer practicing trusts and estates, adoption, advocacy and 23 other areas of law.
Cheryl S. Davis practices at The Law Offices of Cheryl S.
Counselor Jorge Delgado has been practicing law since 2005, when he was licensed as an attorney in New York and New Jersey. He obtained his Juris Doct...
My name is Jeremy T. Cranford.
Phi Beta Kappa. Recipient, Law School Honor Scholarship, Washington & Lee University.
W. Trent Steele was born in Staunton, Virginia, but has been a lifelong resident of South Florida.
William John Scott is a lawyer practicing debtor and creditor, personal injury, professional liability and 4 other areas of law. William received a M....
When the World Is On Your Shoulders, We've Got Your Back! Personal professional legal experience you can count on when you need it the most with well ...
Kai Eric Jacobs is a lawyer practicing appellate practice, arbitration, business and 12 other areas of law. Kai received a B.A. degree from Tulane Uni...
Eric Schlimgen, a Black Hills native has been practicing since 2016 with measurable success. He prides himself on a deep tradition of excellence, ensu...
Scott M. Janowitz is a lawyer practicing advocacy, appellate practice, bankruptcy and 14 other areas of law.
Anthony Asebedo is a lawyer practicing bankruptcy, workouts, debtor and creditor and 1 other area of law. Anthony received a B.A. degree from Californ...
Mr. Cory Brian Kravit is a lawyer practicing commercial real estate, business, civil litigation and 11 other areas of law.
Richard M Coan is a lawyer practicing consumer bankruptcy, business bankruptcy, real estate law and 7 other areas of law. Richard received a B.A. degr...
Carl Joseph Asprinio is a lawyer practicing adoptions, airbag injury, assault and 63 other areas of law. Carl received a B.S. degree from University o...
Mr. August J Stanton III is a lawyer practicing commercial litigation, appellate, real estate and 5 other areas of law.
Jacob D. Thomas is a civil litigation and construction lawyer in McKinney, TX, who has been helping individuals and businesses with their legal needs ...
Ronald J. Eisenberg is a lawyer practicing contracts, business litigation, civil litigation and 67 other areas of law.
Mr. Joel Alexander Bello is a lawyer practicing divorce, child custody, parenting time and 20 other areas of law.
James Thomas Young is a lawyer practicing bankruptcy, business law, civil practice and 10 other areas of law. James received a B.S. degree from Indian...
Joel S. Beck is a lawyer practicing dui/dwi, misdemeanors, traffic violations and 4 other areas of law.
Gary Ian Masel is a lawyer practicing civil and commercial litigation, creditors rights, creditor rights and 12 other areas of law. Gary received a de...
MEMBER: American Bar Association, American Bankruptcy Institute, Virginia State Bar (Executive Committee, Bankruptcy Court Committee, Family Law Secti...
If you have financial problems, I would be happy to discuss whether bankruptcy is an option for you. Just call or message to set up a free, no-obligat...
Mr. Robert Anthony Hartsoe is a lawyer practicing business law, partnership law, construction law and 19 other areas of law.
Barry B Johnson is a lawyer practicing probate & trust, banking, business and 9 other areas of law. Barry received a B.S. degree from Jacksonville Uni...
Mr. James Salvatore Giardina is a lawyer practicing advocacy, civil litigation, construction law and 11 other areas of law.
Marc Alan Fishman is a lawyer practicing real estate law, commercial collection law, matrimonial law and 24 other areas of law. Marc received a B.A. d...
Mr. Gary H.
Autumn Nicole Hancock is a lawyer practicing adoption, advocacy, arts and sports and 41 other areas of law. Autumn has been licensed for 16 years.
Jeff J Ricke is a lawyer practicing civil litigation, commercial litigation, debtor and creditor and 2 other areas of law. Jeff received a B.S. degree...
Andrew Harvey Graulich is a lawyer practicing workers compensation, personal injury, debtor and creditor and 14 other areas of law. Andrew received a ...
John Charles Caraker is a lawyer practicing bankruptcy, bankruptcy chapter 7, consumer bankruptcy and 17 other areas of law. John received a B.S. degr...
Mr. Dale E Workman is a lawyer practicing appellate practice, assault, cannabis law and 22 other areas of law.
Karl E. Manne (J.D.
David Howard Abrams is a lawyer practicing probate & trust, trusts and estates, advocacy and 29 other areas of law. David received a degree from Georg...
Peter James Widing Brackney is a lawyer practicing bankruptcy law, consumer bankruptcy, consumer rights and 9 other areas of law. Peter received a B.S...
With decades of experience, David P. Leibowitz is a leading bankruptcy attorney based in Chicago, presiding over the Law Offices of David P.
Jason Ward Johnson is a lawyer practicing bankruptcy & creditors' rights, banking & financial services, real estate finance and 12 other areas of law....
Mr. James Suarez is a lawyer practicing appellate practice, commercial litigation, business litigation and 11 other areas of law.
Mr. Jonathan Alan Semach is a lawyer practicing bankruptcy, debtor and creditor, business and 4 other areas of law.
Mr. Robert Joseph Dill is a lawyer practicing probate & trust, advocacy, alternative dispute resolution and 24 other areas of law.
Siamak Vaziri is a lawyer practicing personal injury, accidents, aids litigation and 139 other areas of law. Siamak received a B.A. degree from Univer...
Ms. Rebekah Steely Brooker is a lawyer practicing bankruptcy, business law, business litigation and 64 other areas of law.
Christopher Bopst is a lawyer practicing business and commercial, constitutional law, labor and employment and 10 other areas of law. Christopher rece...
Mr. Jeffrey B.
Recipient, American Jurisprudence Award for Advocacy.
Mr. Gary W.
Mr. Eric N.
Colton Randle Langford is a lawyer practicing expungements, personal injury, family law and 21 other areas of law. Colton has been licensed for 3 year...
“I found my law firm on two driving principles: Professional Quality, and Personal Care. I know that each case I handle represents a very important is...
Dana Lynn Kaplan is a lawyer practicing bankruptcy, bankruptcy chapter 11, bankruptcy chapter 13 and 5 other areas of law. Dana received a B.A. degree...
Amanda Sue Johnson is a lawyer practicing homeowners association law, estate planning, real estate contracts and 20 other areas of law. Amanda receive...
Robert James Mara is a lawyer practicing bankruptcy chapter 7, bankruptcy chapter 13, bankruptcy reorganization and 24 other areas of law. Robert rece...
Dennis graduated from the University of New Mexico with a B.A. in History in December of 1989 and from the University of New Mexico with a Juris Docto...
Claudia J. Joseph is a lawyer practicing arbitration transactions, civil litigation, contracts and 23 other areas of law.
Peter Ordower has been practicing law since 1980, earning accolades as a Leading American Lawyer in commercial litigation for his exceptional legal sk...
Attorney Scott M. Hutchinson has counseled thousands of people regarding their Chapter 7 and Chapter 13 bankruptcy options.
Mr. Gonzalez has legal experience representing clients with their consumer financial services litigation and other civil litigation issues.
What is Debtor and Creditor?
Debtor and Creditor is the branch of law that governs the rights, obligations, and disputes that arise within its subject matter. In the United States, debtor and creditor sits at the intersection of statutes enacted by Congress, the regulations issued by federal agencies, the laws passed by all fifty state legislatures, and the body of judge-made decisions known as the common law. Because every state writes its own version of the rules, the way debtor and creditor works in one jurisdiction can look noticeably different from how it works in another, and that is one of the main reasons attorneys in this area focus their practice geographically — to stay fluent in the local statutes, court rules, and judicial preferences that shape outcomes.
At a practical level, Debtor and Creditor attorneys spend their time on three categories of work. The first is advice and prevention: counselling clients on how to structure transactions, draft documents, and conduct business so that legal risk is minimised before a dispute ever begins. The second is transactional execution: producing the contracts, filings, notices, and registrations that the law actually requires to make a decision legally binding. The third is contested representation: defending or pursuing a client's interests when a dispute escalates to negotiation, regulatory enforcement, arbitration, or litigation in court.
The clients who hire Debtor and Creditor lawyers range from individuals navigating a single life event to multinational corporations with complex regulatory exposure. What unifies them is the need for an experienced lawyer who knows the relevant code sections, has appeared in the relevant courts, and can translate the strategic options into language a client can act on. AttorneyQnA currently lists 4,662 verified debtor and creditor attorneys across the United States, each with a public profile showing their bar admissions, years in practice, and the kinds of matters they have handled — with the deepest concentration of practitioners in Alabama.
When do you need a Debtor and Creditor attorney?
Most people contact a debtor and creditor lawyer for one of two reasons: something is about to happen that they want done correctly the first time, or something has gone wrong and they need it fixed before it gets worse. The earlier you involve counsel, the more options you usually have, and the lower the cost of getting to a resolution tends to be. The scenarios below are the ones we see most often on AttorneyQnA from prospective clients searching for debtor and creditor representation.
Once your signature is on a contract, settlement, lease, or release, your bargaining leverage drops sharply. A short pre-signature review by a debtor and creditor lawyer is the cheapest insurance you can buy.
Cease-and-desist letters, regulatory notices, and demand letters all start clocks. Missing the response window can convert a manageable problem into a default judgment or formal enforcement action.
Statutes of limitations, filing windows, and appeal periods are jurisdictional — courts cannot extend them as a favour. If you can identify a date that matters, you need a lawyer before that date arrives.
The moment opposing counsel appears, the conversation moves out of normal English and into procedural language. Continuing unrepresented usually means losing ground you cannot recover later.
Forming an entity, choosing a venue, structuring a deal, or selecting a remedy each has long-term consequences. A consultation at the planning stage is far cheaper than redoing it after the fact.
Multi-state matters bring conflict-of-laws questions that change which statutes apply and which court has authority. An attorney licensed in the right jurisdiction is not optional.
If any of the situations above describes where you are right now, the next step is a focused consultation. Use the Ask a Lawyer tool for short written questions, or browse the 4,662 debtor and creditor attorneys listed above to book a paid consultation directly.
How to choose a Debtor and Creditor attorney
The single biggest factor in choosing a debtor and creditor lawyer is fit with your specific matter. A lawyer with twenty years of debtor and creditor experience but no exposure to your particular sub-issue can easily be a worse choice than a five-year associate who has handled the same problem repeatedly. We recommend running every prospective lawyer through the same five-step checklist before signing an engagement letter.
- Bar admission in the correct jurisdiction. Confirm the lawyer is admitted in the state — and where relevant, the federal district — where your matter sits. The lawyer's profile on AttorneyQnA shows every bar admission on file, and the underlying state bar's "lawyer lookup" tool will confirm active standing in under a minute.
- Direct experience with your fact pattern. Ask plainly: "How many matters like mine have you handled in the last three years, and how did they resolve?" An honest answer reveals more than years-in-practice alone.
- A written fee agreement. Whether hourly, flat fee, contingent, or hybrid, the engagement letter should specify what is included, what triggers additional charges, and how disputes are handled. Avoid lawyers who resist writing the terms down.
- Communication cadence. Decide upfront how often you expect updates, who your day-to-day contact will be, and what response time is reasonable. The number-one complaint filed with state bar grievance committees is not malpractice — it is non-communication.
- Conflict check + reputation pulse. Make sure the lawyer has run a formal conflict check, then spend ten minutes reading independent reviews and any public disciplinary history. The state bar's website is authoritative for the second; the lawyer's AttorneyQnA profile collects the first.
Once you have a shortlist, schedule consultations with two or three. Lawyers vary widely in temperament, and the right strategic match for your case is sometimes the second or third lawyer you meet — not the first.
How much does a Debtor and Creditor lawyer cost?
Legal fees in the United States are not regulated by a uniform schedule, so what you pay a debtor and creditor lawyer depends on the billing model the lawyer offers, the complexity of your matter, and the local market. There are four billing structures used in this practice area; most engagements use one, but hybrid arrangements are increasingly common.
1. Hourly billing
The default model for most non-contingent matters. Rates for debtor and creditor attorneys in the U.S. typically range from $150–$250/hour in smaller markets to $400–$700/hour in major metropolitan areas, with senior partners at large firms commanding $900/hour and above. Hourly billing is fairest when the scope of work is genuinely unpredictable, but it creates an incentive structure that the client has to monitor.
2. Flat fee
Increasingly used for well-defined transactions — incorporations, will drafting, single-issue filings, uncontested matters. A flat fee tells you exactly what the deliverable will cost, and the lawyer absorbs the risk of unexpected complexity. Ask whether the flat fee includes filing fees, third-party costs, and any post-filing follow-up.
3. Contingency
Where it is permitted by the rules of professional conduct — most often in plaintiff-side debtor and creditor work involving monetary recovery — the lawyer is paid a percentage of the proceeds, typically 33% before suit is filed and 40% after. The client pays nothing if there is no recovery. Contingency fees align the lawyer's economics with yours, but the percentage compounds across time, so very strong cases sometimes do better on hourly billing.
4. Retainer / subscription
A monthly fee that buys a defined block of access or hours. This is common for businesses with ongoing debtor and creditor needs — contract review, employee questions, regulatory check-ins. A subscription smooths out spending and gives the lawyer a reason to know your operation in depth.
Whichever model you choose, ask for an itemised written estimate before the engagement begins, and ask explicitly what is not covered. Surprise expenses are the most common source of attorney-client friction.
Frequently asked questions about debtor and creditor
How quickly can a debtor and creditor lawyer review my matter?
Most lawyers can schedule an initial consultation within 1–3 business days. Urgent matters — pending deadlines, time-sensitive notices, court-ordered hearings — should be flagged in your first message; many lawyers reserve emergency consultation slots for that reason. If you need a written answer faster, the Ask a Lawyer tool typically returns answers in under 24 hours.
Do I need a debtor and creditor lawyer in my exact city, or anywhere in my state?
Bar admission is the controlling rule: any attorney licensed in your state can represent you in that state's courts and agencies, regardless of which city they're based in. Practical proximity still matters for in-person meetings, local court familiarity, and access to the local bench and bar. For state-level filings and remote-friendly matters, an attorney elsewhere in the same state often works fine.
Will an initial consultation cost me anything?
Many debtor and creditor attorneys offer a free 15- to 30-minute initial consultation; others charge a flat consultation fee that may be credited against the engagement if you hire them. The lawyer's profile lists the consultation policy. Free does not always mean better — a fee-based consultation is sometimes the sign of a lawyer who treats their time, and yours, seriously.
What documents should I bring to the first meeting?
Bring every contract, notice, letter, filing, or written communication connected to the matter; a written timeline of events with dates; the names and contact details of every other party involved; and any deadlines or hearing dates you are already aware of. Even an incomplete file is more useful than a verbal summary alone.
Can I change lawyers if I am not happy with mine?
Yes. Clients can discharge their lawyer at any time, for any reason, by written notice. Your case file belongs to you and must be transferred to your new counsel. Any unpaid fees through the date of discharge remain owed; any unearned advance must be refunded. If you are mid-litigation, the court typically must approve the substitution, but approval is routine.
How long does a typical debtor and creditor matter take?
It depends almost entirely on whether the matter is transactional or contested. A transactional matter — a contract, a filing, a single-step transaction — can resolve in days to weeks. A contested matter — anything involving disputed facts, court intervention, or regulatory action — typically takes months at minimum, and complex cases can run multiple years. Your lawyer should give you a realistic outside estimate at intake.
Are debtor and creditor lawyer fees tax-deductible?
It depends on the nature of the matter and current tax law. Fees connected to producing or collecting taxable income, managing investment property, or operating a business are often deductible; fees for personal matters generally are not. Because rules change, confirm deductibility with a tax professional for the year in which the fees are paid.
What is the difference between debtor and creditor and the related practice areas?
Debtor and Creditor overlaps with several adjacent areas — see the related-practice-area grid below for direct links. Choosing the right lawyer often means picking the one whose primary focus matches the heart of your problem, even if multiple labels could technically apply. When you are unsure, list your situation in your own words to two lawyers from neighbouring areas and ask which one of them is the better fit; honest lawyers will tell you.
Find debtor and creditor attorneys by state
Each state link below opens the debtor and creditor roster for that jurisdiction, with the local statute of limitations, court-system overview, and verified attorneys.
Debtor and Creditor Law Firms
Main Law Firm
Winter Park
Walton Law Firm
San Marcos
Bruner Law Firm
Fort Walton Beach
J&Y Law Firm
Los Angeles
West Law Firm
Charleston
John T. Floyd Law Firm
Houston
Debtor and Creditor by State
All states →Find debtor and creditor attorneys in every US state. Each state link opens a hub with verified attorneys, the state filing deadline, and a free attorney match.