Debt Negotiation in Florida » Debt Negotiation Florida

Florida Debt Negotiation: The Fair Debt Collection Practices Act

joe — Mon, 11 Jan 2010 23:29:09 +0000

One of the most important steps to take if you are suffering from overwhelming debt is to get help. Florida residents have the option of talking with an experienced Florida attorney. That attorney will be familiar with the Fair Debt Collectors Practices Act (FDCPA). The act starts out with this statement:

“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 27 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.

Credit Card Debt on the Rise

joe — Thu, 05 Nov 2009 02:41:29 +0000

Here is a chart from a blog post on Business Builder.com. All of us need to become good money managers so we don’t get caught in debt spiraling out of control. There’s such a thing as “good debt” and “bad debt.” Good debt will help you make more more, while bad debt is usually used to purchase a depreciating item.

Here’s the link to the full blog post.

Credit Card Debt Relief Helps Stop Foreclosure

joe — Wed, 15 Oct 2008 04:59:16 +0000

There are some great Debt Relief Florida programs in place to help people suffering from overwhelming debt burdens. This family is a prime example of what is happening across the country because of the slow real estate market and general recession at this time (Fall of 2008). As congress struggles to bail out the banks and get credit liquidity back in place, ordinary citizens are suffering by loss of jobs and loss of business. This family has a business which services the Realtors and builders, but because this industry is suffering, it has the trickle down effect negatively impacting many other small businesses. Because of loss of income, they were late on some credit card payments which raised all their credit cards to an unmanageable level. Making the minimum payments and paying the mortgage along with other basic living expenses has become impossible. With the help of Fresh Start Law Group’s personal attorney-assisted negotiation, this family is now on track to pay off their nearly $100,000 debt in 50 months. After Contacting Debt Negotiation Florida and consulting with the attorney, the client will have a new affordable monthly savings payment and will be reducing their debt amount by about 58%. They will now have a better chance to keep their home and not go into foreclosure.

Debt Relief Florida

joe — Tue, 07 Oct 2008 22:48:33 +0000

Do you find yourself under the burden of overwhelming credit card debt? Has the interest rate been raised on your credit card? Will you ever be able to pay off your credit card (s) in your lifetime? Would you like to find out how long it will take to become debt free and how much you’ll pay in interest by making the minimum monthly payments?

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.

Debt Negotiation Sarasota

joe — Sun, 28 Sep 2008 16:59:16 +0000

Debt negotiation Sarasota is now available with local representatives to provide a free consultation to determine which option is best for your individual needs, whether that is debt management, credit card counseling, debt negotiation or bankruptcy. Our attorney with 25 years of debt management experience will recommend the best alternative to get you moving toward a debt-free life once again.

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 Negotiation Florida

joe — Fri, 26 Sep 2008 16:13:24 +0000

Debt Negotiation Florida is dedicated to helping Florida residents with their debt challenges. Many Florida residents are suffering with overwhelming credit card debt, medical debt or judgments sometimes with interest rates as high as 30%. Debt Negotiation Florida offers the following affordable debt relief options:

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 (941-587-5300) for a free consultation. Learn what your options are so you can chart your own course to a debt free life.