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How to stop the phone calls?

By Florida Law Advisers, P.A. |

When a Chapter 13 or 7 case is filed an automatic stay is instantly put into effect. The automatic stay is a federal law which stops all collection activity, including phone calls and notices from creditors.

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Accurate Credit Reports?

By Florida Law Advisers, P.A. |

Monitor your credit reports closely and report errors or accounts that require updating. The Fair Credit Reporting Act allows for every person to receive one free credit report every 12 months.

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Wipe out late fees

By Florida Law Advisers, P.A. |

If the debts are eligible for discharge, the entire balance can be wiped out. Therefore, late fees, penalties, and legal fees would all be removed under the discharge.

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Fair Debt Collection Practices Act (FDCPA)

By Florida Law Advisers, P.A. |

The FDCPA prohibits creditors from engaging in unscrupulous or abusive behavior. Further, under the Florida Commercial Collection Practices Act, creditors found guilty of engaging in prohibited collection activities can be subjected to stiff penalties and required to pay your legal expenses.

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