The Debt Fighters – Florida Debt Relief Attorneys

The firm was founded in 2012 as the Ziegler Diamond Law, PL. While the name has changed, the mission has not – to help consumers eliminate serious debt. We feel a consumer is best served by evaluating all of their options to find the option that will save money, providing first-class representation, and providing affordable fees:

Debt Relief Programs

1. 1. Chapter 7 bankruptcy attorneys – Chapter 7 is considered the “liquidation” form of bankruptcy. In chapter 7, the filer is not required to commit to a payment plan to eliminate their debt. However, in some instances, if the filer owns belongings beyond certain allowances (called “exemptions”), they may have to give up the “extra” belongings or pay extra into the bankruptcy to get the bankruptcy order wiping out the debt (called the “discharge order”). There is an income qualification for chapter 7 called the means test.
   2. Chapter 13 and Chapter 11 bankruptcy attorneys – Chapter 13 and Chapter 11 are known as the “reorganization” chapters of bankruptcy. Chapter 13 is a payment plan form of bankruptcy with payments that last from 3-5 years. While there are several factors that go into calculating the payments, in general, the payments are based on what the filer can afford to pay; which is set out in the “disposable income test” under the bankruptcy code.

Chapter 13 can also provide some benefits that chapter 7 does not offer – a chapter 13 can sometimes remove or “strip” a junior mortgage on real estate, it can allow a filer to catch up on a mortgage that is behind, and under the chapter 13 “super discharge,” it can eliminate some specialized types of debt.

1. 1. Debt Consolidation attorneys – Filing for Bankruptcy isn’t alway the best debt relief option. Particularly for high income earners and those with significant assets, bankruptcy in some instances may be a bad fit if the potential filer doesn’t meet the qualifications, if the payment plan would be too high under the bankruptcy calculation or if they would have to give up too many assets. For those individuals “Debt Consolidation” (or group debt settlement) provides an alternative for resolving debts that are behind.

The basic structure of debt consolidation is the client pays a monthly payment plan that fits their budget and we settle the debt on their behalf. Unlike the national debt settlement companies, our debt negotiation process is facilitated by a licensed attorney who can offer legal advice and represent you in court. And best of all, there are No Upfront Legal Fees for debt consolidation. Turn high interest debt into reduced settlements.

1. Foreclosure Defense attorneys – In many instances, we are able to avoid bankruptcy altogether. Particularly where someone has been sued by a mortgage company, the same court rules apply as in any other legal proceeding. We may be able to challenge the bank in court, and communicate with them to reach a beneficial conclusion, such as a loan modification, a deed-in-lieu, a judgment with agreed-upon terms, or other options.

Affordable Legal Fees

We have affordable legal fees and payment plans that fit nearly every budget. We offer a free consultation. Call today to see your options.