...However, it ISN'T true as long as you're pursuing monetary compensation - the attorney simply takes his percentage cut of the settlement when the infringer pays. Not that it matters much to the infringers out there, since they know that most people believe they'll need to pay attorney fees up front, especially when people seen as authority figures like, say, a moderator on a photography forum, says it, so the photographers don't think they can afford to pursue it. Even more so when others chime in and agree that it's true you'll have to pay attorney fees up front just to get started....
Those darn photography forum moderators... always giving out bad advice...

Okay, putting aside the whole "If you actually act on legal advice you got on an Internet forum..." argument, you are correct Buckster, IF you can find a lawyer who will accept this case on a contingency-fee basis, then you shouldn't be out of pocket up front. This may be an area where our two countries differ significantly, and I'm by no means an expert on US copyright law, but in Canada, based on the presentations I've attended by two well respected IP lawyers, most would not accept this as a contingency-fee case because the potential settlement would not be large enough to make it worth while for them, therefore it would an hourly fee with (typically) a ten-hour retainer up-front.
I can only tell you about the things I've learned about this subject after studying several books on it, watching several seminar-type videos, and personally participating in the process of pursuing compensation for my own copyrighted works through legal representation, never on my own, never with me contacting or negotiating with the infringers directly.
Beyond a paper filing cabinet with contracts, agreements, and so forth for each case, I have a database I built and use for tracking and maintaining clarity on the nature and current state of each and every one of the copyright issues I have going on in my world. At present, there are 223 separate cases in my database, each with their own tracking number. More are added as I discover them and initiate the process anew. Most are in some state of progress between initiation and resolution. Last year 33 were resolved satisfactorily with payment to me and my representative.
My representative in these matters and I split the amount the infringer pays, 50-50. So, when the infringer pays $5000.00, for example, my rep and I each deposit $2500.00. Of those 33 settled cases from last year, the lowest amount an infringer paid was $50, which my rep and I split, for $25 each. Like it or believe it or not, that's the actual lowest number in my database.
Now, that's not much, and one might easily believe that nobody would represent my interests for such a small amount, especially after reading the sorts of things so often found on internet forums like the post I'm responding to here, but there are a couple of factors to consider when looking at that small amount.
1. Neither my rep nor I had any real idea how much we'd end up with when I initiated the process after discovering the infringement. That is always true, every time. In the end, the amount was negotiated between my rep and the infringer, based on several factors, as I've explained in the other thread that I linked to.
2. My rep knows that I and my work represent an ongoing source of infringement cases to pursue. As I mentioned, there are currently 223 cases in my database, and 33 of them were resolved last year alone, with many others still ongoing, or resolved before 2015. Those 33 resolved cases last year yielded almost $16,000.00 for each of us, with the infringers obviously paying twice that.
Copyright attorneys worth their salt who are not trying to shyster their clients don't starve by taking on a case that only yields them $25 in the end, because they make up for it with cases that pay many times that amount. That's true whether it's many cases from me, or many cases from many copyright owners and, again, one never knows what that final dollar amount will be, being up to negotiation between the parties, or a judge if it goes all the way to Federal Court. Even those that may initially
appear to be worth very little can turn out to pay quite large sums, or vice-versa, and there's no way to know for sure in advance.
The broad brush strokes regarding attorneys, representatives, payments up front, big bucks to pursue infringement, that lawyers won't take on small-fry cases and all the rest of the stuff commonly seen on internet forums by people who talk like they know something, but have never actually pursued an infringement case themselves - are debunked quite handily by my own experiences with it all, and especially by the numbers I see flowing into my bank account month after month.
Don't believe me on these issues? No skin off my wallet. Another check arrived Saturday. I'll be depositing it today.