The best type of lawyer for you to consult with and possibly retain would be an attorney that practices law in the area of consumer debt defense work. You can contact the county bar association in the county where you reside for a possible referral or simply go online to see which attorneys in your community practice this type of law.When you meet with the attorney for the consultation, be prepared to bring all paperwork concerning your topic of concern (copies help) in order to make the best use of your and the attorney's time.