Income tax can, in some instances, be discharged in a personal bankruptcy. In order for income taxes to be dischargeable, the tax returns had to have been filed at least two years prior, and the same amount of time would have to have gone by before they can become dischargeable.

Income tax can, in some instances, be discharged in a personal bankruptcy. In order for income taxes to be dischargeable, the tax returns had to have been filed at least two years prior, and the same amount of time would have to have gone by before they can become dischargeable.

What Are The Exemptions For Bankruptcy In Florida?

In a Chapter 7 case, in order to obtain the benefit of the discharge, meaning the wiping out of the debt, the tradeoff that the federal government has set is that a consumer is limited on the amount of assets they can keep. The exemptions are the list of property that comes from state and federal law, which says which things you are allowed to keep. In Florida, the abbreviated list includes your homestead or primary residence, a certain allowance of personal property, which includes basic household goods, a limited allowance of vehicle equity, retirement funds, and some other assets. In cases outside of Chapter 7, such as Chapter 13, you are allowed to keep all of your assets, but the exemptions may affect your monthly repayment plan.

Sued By Mel S. Harris and Associates, LLC? Here’s What To Do

In the past, Mel S. Harris Associates was known throughout the debt collection world for unscrupulous debt collection activities on behalf of their clients. They faced multiple lawsuits from individual consumers and the federal government for numerous violations of the Fair Debt Collections Practices Act (FDCPA).

As a result, Mel S. Harris Associates is no longer in business and does not practice law in 2022. Continue reading to learn more.

Important Notice: Mel S. Harris And Associates is Closed

Have you found an old collections letter or received phone calls from companies claiming to be Mel S. Harris and Associates? In that case, based on public data available online, you should know they are permanently closed.

That means the phone number is no longer operational, most of its principal owners no longer practice law, the website is down, and its accounts are serviced by other debt collection law firms, including Stephen Einstein & Associates, P.C.

The former contact information for Mel S. Harris Associated includes:

Address: 5 Hanover Square, 8th Floor, New York, NY 10004- 2614 (office is closed)
Phone Number: 1-212-571-4900 (no longer in operation)
Site: MelHarrisLaw.com (website is down)

What if A New Debt Collector Owns My Debt?

Suppose you once owed this business but are unsure who currently owns your debt. In that case, it’s in your best interest to consult with your debt attorney before providing sensitive information and payments to unknown debt agencies. We can help. Contact us for a free consultation with a debt law firm you can trust.

Why Did Mel S. Harris Associates Go Out of Business?

A once proud debt collection law firm, the debt collection team at the office of Mel S. Harris Associates successfully recovered millions of dollars on behalf of its clients for years. However, in many cases, the debt collection services they offered throughout the U.S. violated consumer protection laws.

Eventually, lawsuits brought by people and government agencies revealed the numerous occasions where this business conducted illegal debt collection work, and its owners closed the firm soon after that.

How To Settle A Debt With Mel S. Harris Associates, LLC

Since Harris Associates is no longer in operation, it’s impossible to settle a debt with them. However, in our experience, a debt company can die, but the debt will still live on years later.

With that in mind, if you want to get rid of your personal debt obligations (regardless of how long you’ve owed it, within the statute of limitations), we’re here to help you meet your needs.

Generally, we recommend clients work with a debt attorney with experience negotiating fair settlements and protecting consumer rights. However, listed below are the basic steps (long and short-term) you should take when you’re looking to work towards a fair debt settlement.

Steps to Work Towards a Debt Settlement

Get as much information as you can about your personal debts
Create a realistic plan for debt repayment and settlement proposals
Negotiate with debt collection service companies for a fair repayment plan
Contact a debt attorney for debt collection services (i.e., debt relief, bankruptcy, etc.)

Whether you’ve come to our site because you’re looking for help to stop debt collector harassment or you need the experience of a debt law firm, we’re here to help. Continue reading to learn how our team can help you build your credit, stop harassing phone calls, and negotiate the best possible outcome in your case.

Contact Us To Speak With a Debt Attorney About Your Consumer Rights

At Ziegler Diamond Law – Debt Fighters, our team assists consumers in solving complicated debt problems, build credit, and create a sustainable plan for their future. We offer debt relief services in the following areas, but not limited to:

Bankruptcy
Debt legal defense & debt settlement
Debt relief options
Collection harassment claims

Give us a call or schedule an appointment for a free consultation with an experienced debt lawyer in Florida today.

Call Now for a Free Case Evaluation
Clearwater: (727) 538-4188 | Tampa: (813) 225-3111

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Home > Sued By Mel S. Harris and Associates, LLC? Here’s What To Do

Clearwater: (727) 538-4188 Tampa: (813) 225-3111

Mt. Dora: (352) 600-1326

Sued By Mel S. Harris and Associates, LLC? Here’s What To Do

Important Notice: Mel S. Harris And Associates is Closed

What if A New Debt Collector Owns My Debt?

Why Did Mel S. Harris Associates Go Out of Business?

How To Settle A Debt With Mel S. Harris Associates, LLC

Steps to Work Towards a Debt Settlement

Contact Us To Speak With a Debt Attorney About Your Consumer Rights

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(727) 538-4188

TAMPA LOCATION

(813) 225-3111

ALTAMONTE SPRINGS LOCATION

(352) 600-1326