Garnishment

If you have fallen behind on your bills and collection lawsuits have been filed against you, it is important to understand that once a creditor obtains a court judgment against you collection efforts will begin.

As soon as your Chapter 7 or Chapter 13 has been filed, the automatic stay is effective and prohibits any further collection activity. This includes any pending garnishments, which are immediately halted. It also means that you will begin to receive the full amount of your paycheck again. In many cases, the debt linked to the garnishment is discharged, which means you are no longer responsible to pay it when you emerge from bankruptcy.

Defense Against Debt Collection

Are you being harassed by a debt collector? There are laws that limit what debt collectors can say or do. Under the Fair Debt Collection Practices Act (FDCPA), debt collectors cannot harass a person when collecting certain types of debt.
If you have been harassed by a debt collector, contact our Melbourne office to schedule a free initial consultation.

Real Estate

Whether buying, selling, or both, real estate transactions are major financial points in the lives of most people. For the average person, a home is the most expensive thing they will ever buy, and will be the most significant investment in their entire life.

We can help guide you through your real estate purchase or sale, including obtaining title insurance (we do not sell title insurance) and evaluating the risk of waiving any exceptions, condominium/homeowner’s association disclosures, and handling closing

Business Organizations

If you sell anything but your labor (and maybe even that), you are a business. If have help, you are a business organization, and if you do not set the terms for that organization, the law will impose terms upon you.

Litigation

Have you been served with a lawsuit? Has someone failed to fulfill their obligation to you under an agreement, or slandered you? Our office handles civil litigation for both plaintiffs and defendants, including contract disputes for individuals and businesses of all sizes, evictions, foreclosures, accounts, even libel and slander.

Credit Card Debt

Credit Card Debt can feel like quicksand, and debt collectors can make you feel less than human. Even when you are doing your best to stay on top of all the payments, sometimes there just is not enough there to pay everyone. We may be able to negotiate with your creditors to settle your debt, stop harassing phone calls, challenge debts that are invalid or unenforceable, and make credit bureaus remove inaccurate information from your credit report.

Foreclosure Defense

Mortgage foreclosure is a serious matter that will have lasting consequences on your credit and could result in a substantial deficiency judgment. If you have been served with a foreclosure lawsuit and need to speak with an attorney about foreclosure defense, contact our office.