Plantation Debt Settlement Negotiations Attorneys Taking Back Your Future
Debt settlement can be important to recovering from poor financial circumstances. At Light & Gonzalez, PLLC, our Plantation debt settlement negotiation lawyers help our clients recover from tough situations. It’s important to have a lawyer willing to fight for you in your settlement negotiations to help you get into an arrangement you can afford.
We are based in Plantation and serve clients throughout South Florida, including Broward County, Miami-Dade County and Palm Beach County. Our lawyers will work with you toward your most desired outcome. Some of our services include:
- Credit card debt litigation
- Negotiate credit card debts
- Discharge credit card debts
- Post-judgment relief
- Chapter 7 bankruptcy
Don’t be surprised if a lawyer answers the phone personally when you call, since we strive to provide outstanding, personalized service.
Do You Want To Settle Your Debt?
We are a firm geared toward litigation – we never back down from a fight. However, if our client would like to settle their case, we use our litigating and negotiating skills to try to put our client in the best position to settle. If you are interested in settling, we will try to negotiate down your debt. If your creditors won’t agree to an arrangement that you can afford, we’re prepared to defend the matter through litigation.
It is important to have a lawyer working for you who can put forward a full defense to the claims the bank or debt collector has brought against you. Negotiating from a position of strength is important to achieving your desired outcome. Contact us today, and we will thoroughly explain the entire negotiation process from beginning to end.
Exploring Every Option Available To You
We will always recommend that you explore every option you have available to you so you can make the most informed decision. We are happy to thoroughly discuss the pros and cons of all options that are available to you for your credit card debt action. It is our job to help you through one of the most difficult times of your life, and our Plantation debt lawyers will do everything we can to make the process as smooth and transparent as possible.
Discharge Your Credit Cards With A Plantation Credit Card Debt Lawyer
Credit card debt is generally unsecured and therefore generally dischargeable through bankruptcy. Bankruptcy is not a great option for everyone, and we always recommend that our clients explore all their options prior to filing for bankruptcy. Perhaps the best thing about bankruptcy is that creditors know a debtor can often discharge a debt completely, leaving them with little to nothing. This alone provides creditors and debt collectors an incentive to negotiate a credit card debt down to something that a consumer can afford to pay. Our Plantation debt settlement negotiation lawyers can explore your options for lowering or discharging unsecured credit card debts.
Prepared To Fight Your Creditors In Litigation
Almost everyone who comes to see us is interested in resolving their outstanding debt amicably. In certain circumstances, though, it takes credit card litigation to bring the bank or debt collector to the table for negotiation. At our firm, we are litigators first and foremost. Our litigation strategies have resulted in some of the following results for our clients:
- Reduction in the principal balance of the debt owed
- Loan modification and repayment arrangements with lowered interest rates
- Mutual walk-away (bank agrees to satisfy the debt in exchange for both parties bearing their own attorney’s fees and costs)
- Dismissal of lawsuit and release of debt with additional monies paid to our client
We are not a debt settlement/consolidation firm that collects payments from you to distribute to your creditors. We are litigating attorneys who fight for our clients in court to achieve their most desirable outcome.
Tenacious Defense Against Debt Collection Lawsuits
It is important to know your legal rights if a debt collector or creditor is seeking money from you on an alleged debt. Our Plantation debt settlement lawyers may be able to help you bring several defenses to the collection and/or enforcement in their matter to help put you in a strong position to settle your case. Some of the common defenses that may be raised in credit card debt defense matters are:
- Standing (the company filing suit does not own the debt)
- Statute of limitations (varies from state-to-state)
- Failure to attach essential documents to their lawsuit, which was filed against you
- Incorrect amount alleged as being due and owing
- Judgement obtained against you was VOID
- Failure to comply with state and federal debt collection laws
To know what defenses may apply in your circumstance, you should meet with an experienced debt litigation attorney.
Get Help Today From A Plantation Debt Settlement Negotiation Attorney
At Light & Gonzalez, PLLC, we will discuss all of the options you have available. Our experienced lawyers will work with you to try to achieve your goals, whether you would like to try to negotiate down your debt or if you want to fight the bank through litigation. To make a consultation with a qualified debt negotiation and settlement lawyer, please call us at 754-778-9911 or send us an email.
