Miami Debt Relief Attorney

We’ve all heard the TV commercials airing on our Florida airwaves that advertise debt consolidation or fly-by-night ways to reduce your debt. Unfortunately, most of these are Florida debt relief scams run by con artists or disreputable credit agencies who promise more than they can deliver. If you fall for their pitch, you could lose hundreds of dollars in fees and find yourself in worse financial shape than you already are.

Here’s the bottom line: there is no quick fix to get rid of debt. But there is relief. That’s where the expertise of Julia Kefalinos, a Miami debt relief attorney, is invaluable. She will help you make educated decisions and make the best choices for your financial future.

Debt settlement, also known as debt negotiation, debt relief or debt reduction, is a relatively new way for dealing with your debt problems. In a debt settlement program, by negotiating with a creditor, an attorney can help you pay off your debt for less than you owe. Although Chapter 7 or Chapter 13 may be an option, it is definitely not your first debt relief option.

In fact, Julia Kefalinos considers declaring bankruptcy as the last resort. She will work with you to develop the best debt relief option based on your financial situation.

Debt Settlement Can Help You:

• Avoid bankruptcy
• Avoid foreclosure
• Settle unsecured debt for less
• Reduce interest rates
• Lower your monthly payments
• STOP the harassing collection calls and letters

Types of Miami Debts You Can Settle:

• Credit card debt
• Collection amounts
• Medical bills
• Unsecured personal lines of credit
• Unsecured personal loans
• IRS collections

Fortunately, debt settlement in Florida is much easier than debt settlement in other states. Florida has highly favorable debtor laws that give Florida consumers a lot of rights and protection when it comes to past due unsecured accounts like medical bills, credit cards, repossessions, and personal loans. There are too many debt relief laws to explain, but an example is given below.

What If You Decide to Do Nothing About Your Debt?

Wishing your debt away is not realistic. Spending sleepless nights pacing about your debt is not an option. Ignoring your monthly payments and deciding to let your debt go into default is never a good idea. While some of the smaller creditors may decide to simply go away after a series of aggressive collection calls and letters, most of the larger creditors will not. Each account may be submitted to civil court for a judgment against you. Debt didn’t get there on its own. It won’t go away on its own, either.

Julia Kefalinos — Trusted Miami Debt Relief Attorney

For more than two decades, Julia Kefalinos has been helping people in Ft. Lauderdale, Miami, West Palm Beach and throughout Florida, solve their financial problems through her deep understanding of Florida’s debt relief laws and experience in Florida courtrooms.

Let Julia Kefalinos take the debt out of your life so you can get back to it. Contact us at (305) 856-2713 whether you need help with debt relief, Chapter 7, Chapter 13, loan modification, loan analysis or mortgage fraud.