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WAGE GARNISHMENT AND HOW TO STOP THEM TO SETTLE CREDIT CARD DEBT

SOUTH FLORIDA DEBT SETTLEMENT LAWYERS

DEBT SETTLEMENT ATTORNEYS

You do not have to file for bankruptcy in order to get out of debt.

If you were recently sued for credit card debt and the bank or credit card company obtained a judgment against you, the next step may be to garnish your wages.

Once a judgment is entered in favor of the creditor, they have different options available to them to collect on the judgment, which is good for 7 years and renewable twice. Which means that a judgment can last for over 20 years.

A wage garnishment allows the judgment creditor to take up to 25% of your income, on every single paycheck to satisfy the debt.  The judgment will go incurring interest at the yearly rate permissible  by law and therefore, the garnishment could last for many years depending on the amount of debt.

Florida law permits however many borrowers to stop garnishments.  Florida law allows for certain exemptions, such as

  • Head of household

If you are the primary bread winner for the home and have dependents that rely on you for over 50% of their care, then your wages may be exempt from garnishment.

This requires a hearing on the Motion to Quash the Writ of Garnishment and evidence presented to the Judge to show you are head of household.

Many other exemptions exist in order to avoid a garnishment.

At the Law Offices of Jacqueline A. Salcines, we have been helping borrowers and stopping writs of garnishments for over 18 years.  Once the garnishment is stopped, we can work to negotiate the forgiveness of debt with each creditor separately so that the creditor does not try other means to collect on the judgment.

There is no need to file for bankruptcy.

 

At the Law Offices of Jacqueline Salcines, PA, our attorneys have over 18 years experience and extensive  knowledge on settling debt, defending lawsuits involving the collection of debt, and getting borrowers back on their feet, without the necessity of filing for bankruptcy.  We are here to help and protect your rights.

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.

About the Author:

Jacqueline A. Salcines, Esq. is the Owner and Managing Partner of the Law Offices of Jacqueline A. Salcines, P.A. Real Estate and Business Law Group. With over 17 years experience including holding a dual degree in Accounting, her broad knowledge of DEBT SETTLEMENT serves to aggressively protect and defend our firm’s clients.

Call us today to set up a  free consultation to discuss your specific needs. We are here for you!

Main office 305 | 669 | 5280. Or email the attorney directly: J.Salcines@Salcineslaw.com

TRUST |  COMMITMENT  | RESULTS

Jacqueline A. Salcines

Jacqueline A. Salcines

JACQUELINE A. SALCINES, ESQ.
706 S. DIXIE HIGHWAY
SECOND FLOOR
CORAL GABLES, FL 33146
TEL. 305 669 5280

Email:  J.Salcines@Salcineslaw.com

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SHOULD YOU USE DEBT SETTLEMENT COMPANIES ?

SOUTH FLORIDA DEBT SETTLEMENT LAWYERS

DEBT SETTLEMENT ATTORNEYS

If you are facing insurmountable debt, be it from a credit card, a HELOC Home equity line of credit loan, student loans, or other debt, you have probably thought about filing for bankruptcy?  You have probably thought you have no options.  But, there are options. And Many of them do not involve filing bankruptcy or ruining your credit further.  What is the difference between debt consolidation and debt settlement?

Debt consolidation often involves a licensed company that gathers all your credit card debt and bundles it all together. Then the debt consolidation works with the different creditors to lower your interest rate with each creditor.  Once complete, the borrower pays the consolidation company a monthly amount which includes the monthly fee to the consolidation company for their services, plus the monthly amounts to each creditor.  Paying off the debt could last between 15 to 20 years since the balance is not forgiven.  Rather, the interest rate and late fees are negotiated down.

At the Law Offices of Jacqueline A. Salcines, we engage in debt settlement.  We negotiate the forgiveness of debt with each creditor separately. That means, if you owe one creditor $20,000. we work closely with that creditor to negotiate the payment of the balance due for pennies on the dollar. We work closely with our client in order to preset the most beneficial financial worksheet possible to put you in the best position to negotiate.  Then we get your debt cancelled with either a lump sum payment or payment plan.  This is immediate and the debt is cancelled instead of leaving you with 15 to 20 years of payment

You do not have to file for bankruptcy in order to get out of debt.  New programs exist for mortgage modifications as well as for debt settlement to wipe away credit card debt.

At The Law Offices of Jacqueline A. Salcines, PA, we can assist to Stop debt collectors and:

  1. Negotiate complete payoff of your debt for pennies on the dollar;
  2. Defend your foreclosure suit and negotiate HELOC balances for pennies on the dollar;
  3. Negotiate deficiency lawsuit balance;
  4. Defend credit card collection lawsuits and negotiate with the bank’s attorney in the same case;
  5. Stop garnishments of wages and negotiate sums due.

At the Law Offices of Jacqueline Salcines, PA, our attorneys have over 18 years experience and extensive  knowledge on settling debt, defending lawsuits involving the collection of debt, and getting borrowers back on their feet, without the necessity of filing for bankruptcy.  We are here to help and protect your rights.

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.

About the Author:

Jacqueline A. Salcines, Esq. is the Owner and Managing Partner of the Law Offices of Jacqueline A. Salcines, P.A. Real Estate and Business Law Group. With over 17 years experience including holding a dual degree in Accounting, her broad knowledge of DEBT SETTLEMENT serves to aggressively protect and defend our firm’s clients.

Call us today to set up a  free consultation to discuss your specific needs. We are here for you!

Main office 305 | 669 | 5280. Or email the attorney directly: J.Salcines@Salcineslaw.com

TRUST |  COMMITMENT  | RESULTS

Jacqueline A. Salcines

Jacqueline A. Salcines

JACQUELINE A. SALCINES, ESQ.
706 S. DIXIE HIGHWAY
SECOND FLOOR
CORAL GABLES, FL 33146
TEL. 305 669 5280

Email:  J.Salcines@Salcineslaw.com

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Debt negotiation or debt consolidation?

SOUTH FLORIDA DEBT SETTLEMENT LAWYERS

DEBT SETTLEMENT ATTORNEYS

Often times I get calls from potential clients asking me whether my firm engages in debt consolidation.  Many borrowers facing credit card and mortgage debt do not know the difference between debt consolidation and debt settlement.

Debt consolidation often involves a licensed company that gathers all your credit card debt and bundles it all together. Then the debt consolidation works with the different creditors to lower your interest rate with each creditor.  Once complete, the borrower pays the consolidation company a monthly amount which includes the monthly fee to the consolidation company for their services, plus the monthly amounts to each creditor.  Paying off the debt could last between 15 to 20 years since the balance is not forgiven.  Rather, the interest rate and late fees are negotiated down.

At the Law Offices of Jacqueline A. Salcines, we engage in debt settlement.  We negotiate the forgiveness of debt with each creditor separately. That means, if you owe one creditor $20,000. we work closely with that creditor to negotiate the payment of the balance due for pennies on the dollar. We work closely with our client in order to preset the most beneficial financial worksheet possible to put you in the best position to negotiate.  Then we get your debt cancelled with either a lump sum payment or payment plan.  This is immediate and the debt is cancelled instead of leaving you with 15 to 20 years of payment

You do not have to file for bankruptcy in order to get out of debt.  New programs exist for mortgage modifications as well as for debt settlement to wipe away credit card debt.

At The Law Offices of Jacqueline A. Salcines, PA, we can assist to Stop debt collectors and:

  1. Negotiate complete payoff of your debt for pennies on the dollar;
  2. Defend your foreclosure suit and negotiate HELOC balances for pennies on the dollar;
  3. Negotiate deficiency lawsuit balance;
  4. Defend credit card collection lawsuits and negotiate with the bank’s attorney in the same case;
  5. Stop garnishments of wages and negotiate sums due.

At the Law Offices of Jacqueline Salcines, PA, our attorneys have over 18 years experience and extensive  knowledge on settling debt, defending lawsuits involving the collection of debt, and getting borrowers back on their feet, without the necessity of filing for bankruptcy.  We are here to help and protect your rights.

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.

About the Author:

Jacqueline A. Salcines, Esq. is the Owner and Managing Partner of the Law Offices of Jacqueline A. Salcines, P.A. Real Estate and Business Law Group. With over 17 years experience including holding a dual degree in Accounting, her broad knowledge of DEBT SETTLEMENT serves to aggressively protect and defend our firm’s clients.

Call us today to set up a  free consultation to discuss your specific needs. We are here for you!

Main office 305 | 669 | 5280. Or email the attorney directly: J.Salcines@Salcineslaw.com

TRUST |  COMMITMENT  | RESULTS

Jacqueline A. Salcines

Jacqueline A. Salcines

JACQUELINE A. SALCINES, ESQ.
706 S. DIXIE HIGHWAY
SECOND FLOOR
CORAL GABLES, FL 33146
TEL. 305 669 5280

Email:  J.Salcines@Salcineslaw.com

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How can you stop creditors from harassing you?

SOUTH FLORIDA DEBT SETTLEMENT LAWYERS

DEBT SETTLEMENT ATTORNEYS

Even if you are already in foreclosure, it is not too late to contact u s

If you are a debtor in South Florida and struggling to pay a large amount of credit card or mortgage debt, you are not alone.  On the heels of the foreclosure crisis, many debtors had to either stop paying their mortgages, their credit card debt, or both.  Florida residents facing the threat of harassing calls from collection agencies sometimes face uncertain times.  However, at the Law Offices of Jacqueline A. Salcines, PA we want to provide you with all the information possible to stop the harassing calls, stop the debt collectors, and settle this debt.

You do not have to file for bankruptcy in order to get out of debt.  New programs exist for mortgage modifications as well as for debt settlement to wipe away credit card debt.

Plus, once you hire an attorney, there are countless ways to get creditors to leave you alone. Merely by hiring us, debt collectors and collection agencies are no longer legally able to contact you.

At The Law Offices of Jacqueline A. Salcines, PA, we can assist to Stop debt collectors from:

  1. initiating foreclosure actions
  2. starting collections lawsuits
  3. starting garnishments

 

Even if you are already in foreclosure, it is not too late to contact us.   At the Law Offices of Jacqueline Salcines, PA comes in, our attorneys have extensive  knowledge on settling debts, fighting foreclosure and debt collection lawsuits and getting rid of these harassing creditors.  Plus, we can settle your debt for pennies on the dollar.

At the Law Offices of Jacqueline A. Salcines, P.A., we have been assisting borrowers with their debt settlement solutions  for over 17 years.   You have the right to settle your debt for potions of what you owe.  We are here to help and protect your rights.

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.

About the Author:

Jacqueline A. Salcines, Esq is the Owner and Managing Partner of the Law Offices of Jacqueline A. Salcines, P.A. Real Estate and Business Law Group. With over 17 years experience including holding a dual degree in Accounting, her broad knowledge of DEBT SETTLEMENT serves to aggressively protect and defend our firm’s clients.

Call us today to set up a  free consultation to discuss your specific needs. We are here for you!

Main office 305 | 669 | 5280. Or email the attorney directly: J.Salcines@Salcineslaw.com

TRUST |  COMMITMENT  | RESULTS

Jacqueline A. Salcines

Jacqueline A. Salcines

JACQUELINE A. SALCINES, ESQ.
706 S. DIXIE HIGHWAY
SECOND FLOOR
CORAL GABLES, FL 33146
TEL. 305 669 5280

Email:  J.Salcines@Salcineslaw.com

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