Chances are, getting harassed by a Florida debt collector is not your idea of a good time, but if this has become your new reality, it may serve you well to learn how to best communicate with them. At Kingcade Garcia McMaken, we recognize that some debt collectors rely on unethical tactics in their efforts to get you to pay up, and we have helped many clients facing increasingly overwhelming debt work to find solutions that fit their needs.
When Florida residents finish their college degrees, they may not realize how many loans they took out until they have to repay that money. Many students may feel overwhelmed when they think about making these payments. However, people may have more options than they realize.
Florida residents like you suffer from debt for various reasons. When in debt, you may also battle with creditors or debt collectors. At Kingcade, Garcia, McMaken, bankruptcy attorneys, we can help you defend yourself against creditor harassment.
If you struggle to pay your bills in Florida due to large amounts of debt and would prefer to avoid bankruptcy, you may have received recommendations to seek help in the form of credit counseling. Credit counseling may help, but only to a certain point.
If you are in debt in Florida, and you are unable to see a way out, speaking with a credit counselor is a good idea. Counseling can help you in a number of ways, including setting up a budget to get you out of debt. However, choose a credit counselor wisely, as some can add even more debt to your bottom line.
As a Florida resident facing mounting debt, you may feel as if you spend the majority of your day dodging creditors and fielding threats. You may, too, be considering filing for bankruptcy in an attempt to get your financial affairs back in order. Should you decide to move forward with the process, you may be able to obtain temporary protection from creditor harassment through something known as "automatic stay."
New parents may be very excited to welcome a child into the world, but they may also be going through a number of hardships, including financial strain. From pregnancy-related costs to job loss and other financial matters, there are many reasons why new parents may struggle with debt. In fact, some may have been in debt for years. Unfortunately, these financial hardships can cast a shadow over a time that should be very special and hopeful, and it is important for parents who are struggling with debt to have a clear idea of different options that may be open to them.
Residents in Florida who are experiencing debt challenges may often not know where to turn. Some people immediately think bankruptcy is their only option while others may even be too afraid to seek any type of help at all. While bankruptcy may be the right option for some people, it does not mean that it is the only solution to debt problems. Consumers may find that working with a credit counselor can offer the assistance they need.
As one of many Floridians who are currently facing monumental credit card debt, you may have concerns about whether your creditors can garnish your wages at work until they get everything you owe them. Wage garnishment often occurs when you have unpaid credit cards, child support or student loan payments, and it can prove embarrassing and problematic.
If you are like many people across Florida who are going through a divorce, you may be looking forward to making a clean break from your former partner and getting a fresh start. Doing so can prove more complicated, however, if the two of you share considerable credit card debt, which is common among many American couples. So, what, exactly, happens to that credit card debt when you and your one-time partner split?