DEBT SETTLEMENT IN FLORIDA

Faced with insurmountable credit card debt, or unsecured debt from other creditors, often borrowers find themselves without options.  Whether filing a bankruptcy is best to get rid of all the credit card debt or registering with a credit counselor.  When that credit card lawsuit is filed and served, borrowers often take matters into their own hands and don’t know that by ignoring the suit, they face default and ultimately a judgment. A credit card judgment could then result in a garnishment of wages or freezing of bank accounts, even the levying of a vehicle.

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.