Alternatives To Bankruptcy

Many people wrongly think that bankruptcy is the only way to get a new financial start when the bills have piled up and debt has gotten out of control. Many people are in fact good candidates for Chapter 7 or Chapter 13 bankruptcy protection, but for those who don't qualify or wouldn't benefit from bankruptcy, other options may be available.

Our Florida Panhandle Firm Will Look At Every Option Available To You

Pensacola collection defense attorney Robert N. Heath has been aggressively representing people in the Panhandle for more than 30 years. During that time, he has learned that just because a client doesn't meet the requirements for bankruptcy — or it wouldn't be the best option in his or her case — that doesn't mean that there aren't ways to break the cycle of debt.

Unfortunately, in their quest to get their money as quickly as possible, many collection agencies engage in questionable and even outright illegal tactics. The federal Fair Debt Collection Practices Act (FDCPA) governs what collection agencies can and cannot do when trying to collect debts. For example:

  • Creditors cannot call you before 8 a.m. or after 9 p.m.
  • If you hire an attorney to represent you, they cannot contact you; they must contact your lawyer
  • Collection agencies cannot harass you, use profanity or make threatening statements to you
  • Debt collectors cannot contact your employer or call you at work if you tell them not to

If a creditor violates the Fair Debt Collection Practices Act, it can be liable for monetary damages to you, and be required to stop all intimidating practices. By pursuing this option, we can help end creditor harassment and reduce the overall debt you owe ... without having to file for bankruptcy.

Contact Robert N. Heath, P.A. | Free consultation *| You Pay Zero Attorney's Fees To Us

There is no reason to delay getting legal help and learning about alternatives to bankruptcy: Your initial consultation with our firm will be free, and we will seek attorney's fees from any collector that violated the law. Email us or call 850-502-2117 to arrange to speak with Pensacola lawyer Robert Heath.

* Free Consultation for most credit card cases and Insurance claims only.