Miami Debt Settlement Lawyer

Dealing with debt collectors and collection agencies is no small task.

At Jacqueline A. Salcines, P.A., in Coral Gables, we have been providing legal representation on debt settlement matters to Florida consumers for over 20 years. Dealing with debt collectors and collection agencies is no small task. We understand that many consumers are facing very difficult economic times with losses of income, unemployment, reduction in pay, medical issues, layoffs, high mortgage payments, and high credit card interest rates. As a result, you may have been forced to stop paying your credit card or unsecured debts.

Debt collectors and collection agencies count on two things

Third-party debt collection agencies, as well as their attorneys, are governed under the Fair Debt Collection Practices Act (FDCPA). This act is in place to protect you. If a bill collector calls you to collect an unpaid debt and demands payments, make sure you know your position in that conversation. In many cases, debt collectors do not follow the rules and laws put in place to protect consumers. Debt collectors fail to provide documentation and paperwork to validate your debt settlement, as well as to conduct abusive and harassing phone calls and other misrepresentations.

Our strategic debt solutions services can help you stabilize your finances through a range of potential options, including:

• Defend a collections lawsuit in court, including litigation involving Dyck O’Neal collections efforts. We review the details and record to determine if the bill collector has made crucial legal mistakes that could lead to dismissal of the debt collection lawsuit and a write-off of your debt.
• Negotiate the balance and obtain a payment plan to cancel the debt
• Negotiate a short payoff — lump sum for pennies on the dollar

Our attorney and legal professionals also provide services for clients interested in:

• Alternatives to foreclosure, including short sales and loan modifications
• Deed in lieu of foreclosure
• Foreclosure defense litigation

We work closely with our clients to provide sound legal advice

Whether you are being harassed by your creditors or simply have excessive debt, we work closely with our clients to provide sound legal advice while obtaining the best possible outcome for your debt settlement. Contact our office to consult with attorney Jacqueline A. Salcines personally if you are buried in debt related to:

• Credit cards
• Mortgages
• Second mortgage and home equity lines of credit
• Medical and hospital expenses
• Auto loans
• Fast pay advance paycheck loans

Our attorney and legal professionals also provide services for clients interested in:

• Alternatives to foreclosure, including short sales and loan modifications
• Deed in lieu of foreclosure
• Foreclosure defense litigation
• Foreclosure defense litigation

Our goal is to meet the needs and objectives of our clients with integrity. Let us put our experience to work for you today. To request a free consultation with our debt solutions lawyer, please send us a message online or call 305-669-5280. We serve businesses in the greater Miami area and throughout South Florida.