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In recent months, Florida residents have seen a troubling surge in aggressive debt collection tactics. From relentless phone calls at all hours to threatening messages and even workplace harassment, debt collectors are crossing lines that many don't realize are actually illegal. If you're facing these intimidation tactics, you're not alone—and more importantly, you're not powerless. As consumer rights attorneys in Florida, we've witnessed firsthand how collection agencies have become increasingly bold in their pursuit of payment, often trampling consumer rights in the process. But here's the good news: Florida offers some of the strongest legal protections against abusive debt collection… Read More

Chapter 13 bankruptcy in Florida typically takes 3-5 years to complete from initial filing to final discharge. The bankruptcy process begins immediately upon filing your bankruptcy petition and involves specific deadlines that must be met to ensure successful completion of your repayment plan. Understanding the Chapter 13 bankruptcy timeline is crucial for Florida residents considering this debt relief option. Unlike Chapter 7 bankruptcy, which liquidates assets for quick debt discharge, Chapter 13 allows you to keep your property while paying creditors through a court-approved payment plan over several years. Pre-Filing Requirements: Setting the Foundation Before you can file your bankruptcy… Read More

Falling behind on mortgage payments can feel overwhelming, but you’re not alone in this struggle. Over 6 million Americans are currently behind on mortgage payments, making this a widespread financial challenge that many homeowners face. If you’re asking yourself “can you sell your house when behind on payments,” the answer is yes—and acting quickly could save your financial future. The key to success lies in understanding your options, the foreclosure timeline in Florida, and choosing the right selling strategy for your situation. Whether your home is worth more than you owe or you’re facing an underwater mortgage, there are viable… Read More

When filing for bankruptcy, the difference between dismissal and discharge can determine whether you achieve financial freedom or remain trapped in overwhelming debt. These two outcomes represent opposite ends of the bankruptcy spectrum—one provides lasting relief while the other leaves you exactly where you started, often in a worse position than before. Understanding bankruptcy dismissal vs discharge isn’t just academic knowledge; it’s essential information that could save your financial future. The bankruptcy process can lead to either outcome, and knowing what separates success from failure can help you navigate the bankruptcy system effectively and secure the debt relief you desperately… Read More

According to a 2021 report, the average American is $90,460 in debt. Common types of consumer debt include credit card bills, medical bills, and student loans. A recent survey reports that 47 percent of Americans carry a monthly balance on their credit cards. 70% of those people say they cannot pay it off this year. Despite debt being so common, we live in a society that stigmatizes those who owe money. People with consumer debt, whether from credit card bills, medical bills, or other sources, are often so ashamed they do not seek the help they need. When people feel… Read More

Being sued by Chase for credit card debt can feel overwhelming, but understanding your options and taking prompt action can significantly improve your outcome. When that lawsuit notice arrives, you face a pivotal moment that will affect your financial future. Ignoring it isn’t an option – but with the right approach, you can navigate this challenge and potentially negotiate a more favorable resolution. This guide walks you through exactly what to do when facing a Chase credit card lawsuit, from understanding the legal process to building an effective defense strategy. Understanding the Lawsuit Process When Chase Bank decides to sue… Read More

Customers take out a loan or lease, as opposed to paying cash, for the vast majority of car and truck purchases. Loans or leases account for more than 80% of new vehicle transactions, and a substantial portion of used cars and trucks as well, although less than half #ZDLaw #DebtFighters #debtattorney #bankruptcyattorney https://cars.usnews.com/cars-trucks/advice/average-auto-loan-interest-rates

  After her husband of 44 years died two years ago from Covid-19-related respiratory complications, Susan thought she could begin to grieve the loss of her best friend.“Medicaid paid everything off. Everything was good,” the resident of Springfield, Ohio, who asked not to be fully identified due to her outstanding legal matters, says. Then her attorney called her to say the Medicaid bill needed to be paid.#ZDLaw #DebtFighters #debtattorney #bankruptcyattorney https://www.theguardian.com/us-news/2025/mar/07/ohio-medical-debt-repayment-non-profits  

According to Bankrate’s January 2025 data, Florida is the state with the most expensive average annual cost for full coverage car insurance, at an average of $4,171 each year, which is 58% higher than the national average of $2,638. #ZDLaw #DebtFighters #personalinjuryattorney #autoaccidentattorney https://www.floridatoday.com/story/news/2025/02/13/why-car-insurance-expensive-florida-cheap-insurance-rates/78452091007/

A 25% tariff on imports from Canada and Mexico would increase the price of auto insurance in New Jersey by $72, to $2,710, by the end of 2025, warns a recent report by Insurify, which compares the prices of different insurance policies. #ZDLaw #DebtFighters #personalinjuryattorney #autoaccidentattorney https://www.northjersey.com/story/news/transportation/2025/03/11/trump-tariffs-could-raise-auto-insurance-rates-nj/82233421007/