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Robert N. Heath, P.A.
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September 2017 Archives

Debt settlement companies might not overcome financial challenges

Many Florida debtors who are fearful of filing for bankruptcy to clear overwhelming debt might think about using a debt settlement company. Their advertising campaigns are saturating the market with alternatives to filing for bankruptcy and helping to settle consumer debt. It might be an intriguing possibility, but it is imperative to understand how these companies operate. Sometimes it is preferable to get legal assistance before taking a step that can make matters worse.

What are important points about contact from creditors?

A major concern for Florida debtors who are having financial challenges is the constant contact from creditors. The debt is worrisome enough without the stress of those collection calls. Those who are struggling with debt should be aware that they have certain rights and there are things that creditors and debt collectors are not legally allowed to do. With debt collector contact, it is vital to remember that consumers are protected. If their rights are violated, it is the debt collector who can face problems due to their activities in the interest of collecting a debt.

Creditor harassment and disputing or denying a debt

Floridians who are having problems with debt will often be targeted by unscrupulous debt collectors and outright scammers to try and get money from them even if they do not owe what the alleged collector says they do. Some collectors will make claims on debtors that the debtor does not believe he or she owes or would simply like more information about. While having financial challenges can be a fearful time, that does not mean that people who have significant credit card debt should allow themselves to be taken advantage of. Knowing what to do if the debt is not believed to be theirs or they would like more information is vital.

Am I protected from false representations by creditors?

Floridians who are in debt and are unsure of how to get out of it will frequently experience bouts of fear and worry and not know what to do. Making this worse is when creditors and debt collectors contact the debtor and use various tactics to try and coerce them into paying. Certain forms of this constitute creditor harassment and, under the Fair Debt Collection Practices Act, are illegal. When the creditor or debt collector makes these false or misleading representations, it is important for the debtor to know how to recognize it and take steps to put a stop to it.

Understanding the negatives of filing for bankruptcy

When Floridians are overwhelmed by consumer debt, the easy answer they will often get is to file for bankruptcy. The most common chapter for people with credit card debt and other issues related to it is Chapter 7. This is a liquidation bankruptcy that is supposed to clear the debts and give the person a fresh financial start. While that may or may not be fully accurate, it is not a solution to all financial challenges. Once the process is done, many people regret it and wish they had considered and found another alternative.

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