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Once you have exhausted all of your options to get out from under your debt burden, you may feel like there’s no hope. At the Law Offices of Lance Denha, PA we invite you to meet with us about bankruptcy and other options that you may not have considered. Contact us to arrange a free consultation today. Allow us to help you stop creditor harassment immediately. There is a lot of misinformation regarding the new bankruptcy laws. Many people believe they are no longer eligible for debt relief under the new bankruptcy laws. The truth is, most people with serious debt problems can still file bankruptcy under Chapter 7 or Chapter 13 of the U.S. Bankruptcy Code. Selecting the right Florida bankruptcy lawyer is an important decision. Our attorneys have extensive experience in all areas of debt relief:
Under the new bankruptcy laws, you must first pass a means test to file Chapter 7 bankruptcy. If your current monthly income is below the Florida adjusted median income, then you automatically qualify. However, even if your income is above the Florida adjusted median income, you may still qualify after expenses such as car payments and retirement plan contributions are deducted from your income. We will clearly explain the bankruptcy process and the difference between Chapter 7 versus Chapter 13 bankruptcy.
Chapter 13 bankruptcy is a debt repayment plan. When you file Chapter 13 bankruptcy, we would create a plan to pay off a percentage of your debts over a three- to five-year period. Many people file Chapter 13 bankruptcy to protect assets they would otherwise lose by filing Chapter 7 bankruptcy.
Before you consider debt consolidation, debt settlement or bankruptcy call the The Law Offices of Lance Denha, PA.
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Federal and state laws exist to protect you against bill collector abuse. We can enforce your rights, attempt to eliminate your debt and in some cases collect damages.
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The Federal Fair Debt Collection Practice Act (FDCPA) prohibits abusive, unfair and deceptive collection practices. The statute provides a list of potential violations and gives you powerful rights against bill collector abuse.
Collection agencies and debt collectors are required to provide you with a notice of your rights within 5 days of the first communication with you. The rights are listed in the FDCPA.
Normally we first write a letter setting forth your demand that the debt collector stop communicating with you. If we notify the debt collector that you refuse to pay the debt, the letter also serves as a cease communications notice. The debt collector can no longer communicate with you except to notify you that he is exercising specific rights.
You also have the right to demand that the debt collector prove you owe the money. The process is known as debt validation. Debt collectors must notify you of this right and if you request validation in writing within 30 days of receiving your notice of rights then the debt collector must either validate the debt or cease collection efforts.
Have your fair debt collection rights been violated? In some cases the The Law Offices of Lance Denha, PA may be able to sue on your behalf to attempt to collect damages.