DEBT SETTLEMENT IN FLORIDA

Many borrowers when faced with a credit card lawsuit for unpaid credit card debt believe that they have no defenses or ways out or around the debt. Quite the contrary.

Faced with insurmountable credit card debt, or unsecured debt from other creditors, often borrowers find themselves without options.

A lawsuit to collect unpaid credit card balances can be scary. However, by hiring a knowledgeable attorney who is well versed in these credit card lawsuits, we are able to many times have the debt completely erased or written off, or often negotiated for pennies on the dollar.

The first line of business is to make sure the creditor who is suing for the debt has the correct paperwork and has followed the provisions under the Fair Debt Collections Practices Act.  If they have not, they may face strict penalties or the dismissal of their suit.

At the Law Offices of Jacqueline A. Salcines, P.A., we have been assisting borrowers with their unpaid credit card debt and unsecured debt for over 16 years.  We know how overwhelming it can be to face an unknown, not knowing how you are going to pay your bills and afraid of what the creditor can do. You have rights and those rights are best protected when you hire us.

There are main differences however between what we do and what credit counselors do.

CREDIT COUNSELOR V. DEBT SETTLEMENT

A credit counselor adds up all your existing debt and negotiates the debt with each creditor so that the interest rate is typically reduced, the card is frozen or cancelled and no principal or balance forgiveness is made off that credit balance.

What we do is negotiate the debt.  Often if you are judgment proof and do not have assets that the creditor can attach to, they will negotiate for pennies on the dollar. Then we cancel the debt.  Not a 10 year plan, but forgiveness of the balance.

And if you are served with a lawsuit for an unpaid credit card debt, we defend you in court as well.   Often, creditors do not file the requisite documents and paperwork, nor post bonds to have their cases heard. But consumers do  not know how to go about getting these cases dismissed.  Our extensive experience working with creditors and borrowers places us in a position to extensively negotiate for you. So that you end up paying only a small portion of the debt.

Allow us to go to work for you and negotiate your debt.

We offer free phone consultations, and a no cost review of your case. 

Call us today.   305.669.5280 and see how we can help you.

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