If you have ever searched for “debt attorneys near me,” We know at The Dellutri Law Group, PA, that significant debt—and the inability to pay those debts—can wreak havoc in a person’s life. Seemingly insurmountable debt can not only cause you considerable financial stress but also affect your marriage and relationships, your work, and even your health. Before you know it, you’ve got creditors calling you nonstop, at every hour of the day, and the next thing you know, you’ve been hit with a lawsuit.
If you’re being sued on debt, you may have no options. We’re here to tell you that that’s simply not true. There may be one or multiple defenses to every allegation you face. Remember, you have rights if you are being accused of breaching a contract or are otherwise facing a debt-related lawsuit. One of those rights is to work with a qualified debt defense attorney who can help you file a strategic debt defense lawsuit based on your unique situation.
Instead, ask yourself:
- What if you could learn about your debt defense options for free? Would you want to learn more about protecting yourself, your family, and your assets?
- Are you interested in speaking to an attorney who sues creditors and debt collectors—even other attorneys—who cross the line or harass customers?
- What if suing the creditors or debt collectors meant they had to pay you and your legal fees?
If you’re interested in learning more, ask yourself this last question: What are you waiting for? You receive a free consultation when you contact the Florida debt defense attorneys at The Dellutri Law Group, AP. During this session, we’ll review your options and which debt defense solution will likely be the best for you.
Your Partner in Debt Defense with Complimentary Strategy Sessions
When choosing a debt defense team, it’s important to remember that not all attorneys are the same. While many attorneys offer a “free consultation,” ask yourself—what exactly does this consultation entail? Can you ask your questions and receive a full explanation of your options? Will you get a detailed road map of how to proceed with your debt defense? Or is this just a way for a law firm to lure you in for a high-pressure pitch as to why you should hire their attorneys?
We believe in doing things differently at The Dellutri Law Group, PA. We don’t even like the phrase “free consultation” because we believe it implies that that’s all you get—a single meeting with an attorney or law firm staff member and nothing else. Instead, we offer “complimentary strategy sessions” because that’s precisely what they are! During your session, you’ll receive a form requesting details of your income, assets, and debts, among other things. Contact our expert team of attorneys when you need a debt collection defense attorney in Florida.
This can be intimidating, but it allows us to get a clearer picture of your situation and narrow down some of the issues we should focus on with you. You will also spend 30 minutes speaking to one of our Florida debt defense attorneys about your individual needs and how your specific case will be handled should you choose to work with us. The attorney will also discuss the reasons behind the action you are facing and the various possible defenses available to you. You can request additional time, but any time over 30 minutes will be billed accordingly.
When you leave your free consultations, you will have a clearer understanding of your situation, your options, and how our team can help you. And, perhaps most importantly, we offer this at absolutely no cost or obligation to you. Why do we do this? Because we believe that you shouldn’t have to navigate a lawsuit on your own. Everyone should be treated with respect and dignity regardless of their debt situation. We understand that, sometimes, unforeseeable events—like divorce, the loss of a job, or even an automobile accident—can leave good, hardworking people in challenging situations. We aim to help you start on the road to a fresh, new beginning.
If I Default, Will It Hurt My Credit Score?
One of the significant concerns clients have with pursuing bankruptcy, a short sale, a deed-in-lieu of foreclosure, or foreclosure is its impact on their credit score. Defaulting on a loan is not an easy reality for anyone. Still, the overwhelming increase in unemployment rates, the slowing economy, and falling home values have created insurmountable hardships for many Americans, who are left with no other alternatives.
Creditors continue to prey on the consciences of honorable consumers who want to pay their debts but simply do not have the means to do so. Although alternatives such as bankruptcy and short sales provide consumers with an avenue to “start fresh” or the option to sell a home for less than what is owed on the loan without a deficiency, it is by no means an easy way out of existing financial obligations.
Such options come with consequences that should be carefully weighed against their benefits. Homeowners have been led to believe that because foreclosure is so devastating to their credit scores, almost anything else is better; however, this is simply a myth, and understanding how credit scores are tallied can help put some financial issues in perspective.
FICO (Fair Isaac Corporation) has identified little difference between short sales, deeds-in-lieu of foreclosure, or foreclosure on credit scores. When applying for a loan in the future, specific lenders may look more favorably upon a short sale than a foreclosure, but the credit scoring system sees all these defaults as equally bad. Based on the analysis of the information that lenders share with credit bureaus about various forms of mortgage default, they all bear approximately the same weight when determining future risk.
In essence, the number of late payments—not the type of default—dramatically affects your credit report.
Contact Our Florida Debt Defense Lawyers Today
We know that being sued on debt or facing the threat of foreclosure can be incredibly overwhelming and stressful. But know that you have the option of fighting back! We want you to be prepared at The Dellutri Law Group, PA. Our Florida debt defense attorneys will not hesitate to sue creditors who use dishonest and unlawful practices or debt collectors harassing you day and night.
While we have more than 20 years of experience in this arena and use this experience to the advantage of our clients, we also know that every case has its own unique set of challenges. You can trust that our team will provide you with the personalized representation and guidance you need and deserve.
Contact The Dellutri Law Group, PA today to schedule a meeting with our debt defense lawyer in Florida!
