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Debt Relief Archives

How to recognize debt settlement scams

As a Florida resident who feels like you are drowning in debt, you may be looking for just about any type of assistance you can get. You may, too, find that you are increasingly becoming a target of debt settlement companies who may make all kinds of promises in an attempt to get you to work with them. At Kingcade Garcia McMaken, we recognize that some debt settlement companies are little more than scams, and we have helped many clients facing overwhelming debt pursue safer solutions that meet their needs.

How do I find a good credit counseling agency?

Since good credit counseling can save you from a possible stint in bankruptcy court, you want to find the best credit counselor for you in the state of Florida. Still, with the variety of choices available, you might feel lost. Some people may also feel panicked because of their mounting debt and decide to go with the first counselor they come across. However, Nerdwallet suggests you will be better off if you undertake some careful preparation before making a commitment to any counseling agency.

Is it true that federal student loans won't be forgiven?

You may have accrued significant student loan debt, figuring it would be no problem to repay it once you began your career. Unfortunately, like many Florida residents, you encountered unforeseen financial troubles and you are having difficulty staying afloat, let alone paying down your student debt. You might be considering filing for bankruptcy, but you've heard that student loans are not eligible for a bankruptcy discharge.

Choosing the right debt relief option for you

Floridian residents who are in a financial bind may be tinkering with the idea of looking into debt relief options. There are many benefits to different methods of relieving debt, but there can be potential drawbacks as well. A person should be aware of both before making a decision.

How to avoid calls from harassing debt collectors

If you are one of the many Americans who are behind on your credit card, house, medical bill or car payments, you may have been contacted by a debt collector. While many times they appear as annoying phone calls periodically during the day and/or night, debt collectors may use a number of ways to get you to make a payment on your late account. The Fair Debt Collection Practices Act prohibits collectors from calling excessively, using profane language, using scare tactics, posing as attorneys or saying that you owe more than your actual debt amount. However, there are many stories of debt collectors going beyond what is allowed and harassing people.

Recognizing illegal debt collection practices

If you, like so many others across Florida, are facing increasing pressure from debt collection agencies, you may be searching for ways to end the harassment and regain control over your finances. Debt collectors will often resort to a broad range of tactics to try to get you to pay up, but in some cases their methods cross the line and become illegal. At Kingcade Garcia McMaken, we recognize how stressful it can be when debt collectors continuously contact you, and we have helped many clients facing similar circumstances find solutions that meet their needs.

Use caution when getting subprime credit cards

Many people in Florida and across the country sigh a breath of relief once their bankruptcy is discharged. With a clean slate, they are finally able to rebuild their credit and create a new financial identity. Hopefully, this new financial start is not marred by overwhelming credit card bills and overdue expenses. One common path people take on their way to rebuilding their credit is applying for a credit card, with the intentions of paying off the balance every month. Although this can be a great way to increase one's credit score, people should take extreme caution when getting another credit card after filing for bankruptcy.

Only the best credit counseling services provide free resources

When bills keep piling up, you may feel overwhelmed and wonder how to survive today when you cannot seem to get past yesterday. Some Florida beachcombers who find themselves under a growing pile of debt can only blame their personal spending habits and uncontrollable use of credit cards.

What can credit counseling accomplish?

If you live in Florida and are finding it increasingly difficult to stay on top of your finances, you may be considering setting a meeting with a credit counselor. A credit counselor is someone who offers credit counseling, debt management or financial education services for consumers in need, and credit counselors often help people regain control over their finances or work through common financial obstacles.

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