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Robert N. Heath, P.A.
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Credit Card Debt Archives

Floridians with balances on credit cards are not alone

Being in heavy credit card debt might lead Floridians to feeling isolated. The sense that they are drowning in their financial challenges can be overwhelming. That belief that they are by themselves in their issues with credit cards and the inevitable creditor harassment can force them to make decisions the might not want to make like considering bankruptcy. However, there are alternatives available and the first step is to realize that there are others - many others - in the same circumstances throughout the U.S.

Non-bankruptcy ideas to clear financial challenges in Florida

The word bankruptcy is like a stop sign for many Floridians who have no interest in taking that step to clear their financial challenges. For many, bankruptcy is a viable alternative, but if a person wants to find another way to get out of debt, there are ways to do it without having to move forward with the personal and financial turmoil that often accompanies any form of bankruptcy. Having an idea of the options available is the first step.

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.

Legal help in dealing with credit cards and massive debt

Floridians who are in tough financial straits and are not interested in filing for bankruptcy might think they are at the mercy of credit card companies and debt collectors who will simply not leave them alone. They call constantly and engage in creditor harassment, allude to what can happen to a person's credit and property if they do not pay off their credit cards and generally make their lives difficult. What debtors might not be aware of is that they have certain protections available to them and can get the creditors to back off if they hire a qualified debt lawyer who understands how to handle credit card debt.

Is there a time limit for collectors to pursue consumer debt?

When confronted by financial challenges, many Floridians are left unaware that there are some debts that they are no longer obligated to pay. This will not stop certain unscrupulous debt collectors from trying to get something from the debtor, but time-barred debts have a statute of limitations. It is against the law for a creditor or debt collector to sue a debtor for failing to pay time-barred debts.

The Fair Debt Collection Practices Act stops unfair practices

Pensacola residents who are confronted with financial challenges and are the subject of constant various forms of contact from debt collectors might not realize that there are limits to what these collectors can legally do. The Fair Debt Collection Practices Act (FDCPA) has rules against unfair practices. There are certain tactics that the debt collectors are not allowed to use to try and collect on a debt. These are known as unfair or unconscionable means. Knowing what they cannot do is vital to being fully protected under the law.

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