“There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.”

For the complete text of the Act, go to this site.

After you do your due diligence studying your options, keep in mind that an attorney is the only one who can legally help you in the State of Florida.  Some debt relief companies are either out-of-state or don’t use attorneys.  If you live in Florida, it might be wise to use a Florida attorney.

It is for this reason that our firm, Fresh Start Law Group, LLC, focuses on Florida residents.  And because the attorney is licensed with over 25 years of experience in Florida, he is able to be a great asset in helping you to resolve your debt problems in the most expedient fashion possible.  Florida debt settlement can be achieved with help from professionals.

Feel free to contact our office for a free consultation.

Here’s the link to the full blog post.

Webinar scheduled for Mon, Wed, Fri, Sat & Sun at 9pm EST. Tues, Thur at 2pm EST.

Register for the webinar by clicking on the image below.

Consumers are being bombarded now by television and print ads about settling their debts. Companies sometimes promise to eliminate your debts, stop harassing creditor calls, and other statements. These are not guarantees. Creditors have every right to legitimately collect on their debts. However, they are not supposed to be abusive in the process, like call you at work or in the middle of the night.

The world of banking and credit card company policy is changing rapidly in these tough times, and not necessarily in the favor of the consumer. In addition to broad changes, even states have different protections for their citizens. That’s why it’s a good idea to do your homework if you are going to use the services of a debt settlement Florida company. It also might be prudent to find a company that uses experienced attorneys to recommend your best options, and preferably an attorney in your own state.

You should be able to find a company that will provide a free consultation and point you in the direction of best alternatives. Ultimately, you are responsible for your financial future. Some of the options will include credit counseling, debt management, debt negotiation (aka, debt settlement) or bankruptcy. Only careful study of the laws governing each of these options will guide you down the right path for you.

Don’t be afraid to ask for help. Don’t feel bad that it may take you a few years to dig out of the financial hole you’re in. The important thing is to learn from the experience so it won’t happen again. Most people have some financial challenges in some point in their life. Even millionaires have lost the money game along the way. Most of all, do whatever it takes to start getting rid of your consumer debts and start earning interest instead of paying interest. There is a difference between good debt and bad debt. Good debt is when you use the bank’s money to create an asset or earn more interest than you are paying the bank; bad debt is when you borrow money to buy a depreciating “doo-dad” and pay the bank interest.

Contact the folks at Debt Settlement Florida if you have unsecured debts you need help with.

Here’s an example: let’s say you have a credit card debt of $15,000 at 23% interest. You pay the minimum payment of $320/month. How long will it take to pay it off completely and how much extra interest will you pay? There are many calculators out there to use, but here’s what the CNN calculator will tell you: it will take 99 years to pay off the debt and you will pay $103,726! This is definitely a wake-up call to face your debts and what you can do about it.

If you have suffered a hardship in your life such as a death of a spouse, loss of a job, or illness, you may have some options through debt management, credit counseling or debt negotiation. It just depends on your individual circumstances. Contact one of the debt consultants to find out what your options are.

Here is the link to the CNN Money Calculator. Go find out for yourself how long your credit cards will take to be paid off.

It is always best to meet face-to-face with debt consultants, rather than conducting business solely over the phone with out-of-state companies. Our friendly staff are here to help you get out of debt and stay out of debt. Our company, Fresh Start Florida, takes great pains to provide personalized service in time of a debtor’s great need.

Fill out the form on the Contact Us page to see if you qualify.

• Debt management programs;
• Credit counseling;
• Debt negotiation; and
• Bankruptcy programs.

You might be asking: which is the best option for me? We work directly with Fresh Start Law Group’s attorney who will review your information free of charge and then recommend which debt relief option is best for you. The program you select will be an affordable monthly payment spread over a 12 to 50 month period of time. In all cases, bankruptcy will be considered an option of last resort. Here are the benefits of our program:

• Free consultation with a local attorney;
• Harassing calls minimized under FCDPA guidelines;
• Experienced legal counsel;
• Provides a way to pay your debts;
• No new loans required;
• Personalized debt-relief program which may include:
  • Negotiation of payment terms;
  • Negotiation of interest rates;
  • Negotiation of interest charges; and
  • Credit card debt negotiation.

Debt Negotiation Florida works with practicing consumer advocacy attorneys with over 25 years of experience. We are concerned that people are making uninformed decisions regarding their finances. Out of desperation people are spending thousands of dollars buying debt reduction services from out-of-state companies. Some of these companies make promises of eliminating debts and creditor calls. This is simply false!

Take advantage of this opportunity by calling us today for a free consultation. Learn what your options are so you can chart your own course to a debt free life.