Debt Consolidation Lawyer in Florida

Our Debt Consolidation Lawyers in Florida Can Help You.

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An accident, medical expenses, or a loss of a job can lead to financial disaster. Each day, more bills come in, some are months past due or have been sold to collection agencies. You struggle to keep up with your mortgage and utility bills because you’re trying to pay on credit cards or medical bills, or you find yourself in a home you can no longer afford. If this sounds familiar, or you are experiencing significant financial difficulties, schedule a free consultation with a debt consolidation lawyer at Stiberman Law today.

How a Debt Consolidation Lawyer Can Help You

You may be afraid that there are only two solutions to your current financial struggles: continue to try and pay what you can and face wage garnishment and even foreclosure, or file for bankruptcy and lose everything. While filing for bankruptcy is the right choice in some cases, our clients often come out with minimal if any loss of property, plus there are several avenues we can explore to help you get out of debt more easily and quickly.

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Short Sale on Your Home

If you are behind on your mortgage payments, the bank may be considering beginning foreclosure proceedings. However, before this occurs, we can explore a short sale. This allows you to sell your home for less than the amount you owe on the mortgage in order to avoid foreclosure and get out from under high payments.

When the buyer gets an offer, the mortgage lender must approve the offer before the sale of the house can go through, but once complete, they will forgive the remaining balance. While this affects your credit, the financial consequences are significantly less serious than foreclosure.

Debt Negotiation

When the debt is coming from medical bills, credit card bills, or even private student loans, our debt negotiation lawyer can step in on your behalf. Often, we can negotiate lower payments or a lump sum settlement that is less than what you owe, allowing you to get out from under high payments and hefty interest rates.

In other cases, we can consolidate your debts into one monthly payment so that all your creditors are satisfied. This option comes with the following benefits:

  • One monthly payment that is often lower than the sum of your current payments;
  • All creditors and judgements are satisfied;
  • No more wage garnishment, debt collection letters or harassing phone calls.

Filing for Bankruptcy

While many people balk at the idea of bankruptcy, in some cases it is the best way to wipe the slate clean of unsecured debt, like medical bills and credit cards.

  • Chapter 7 Bankruptcy liquidates your debts and assets, selling non-exempt valuables to pay off your creditors, and the rest of your eligible debt is discharged in less than six months. This option is not available to everyone due to strict income guidelines.
  • Chapter 13 Bankruptcy restructures your debt, allowing you to pay one monthly payment based on your disposable income for three to five years. At the end of the payment period, your eligible debts are discharged. This method can be used to get out from a second mortgage on your home without having to sell the property.

Tax Debt

Tax debt is a problem facing thousands of Florida residents, but there are ways to deal with overwhelming tax issues. Older debts on owed taxes can be discharged through bankruptcy. However, there are also payment plans and settlement options available, too. We can help you make the right choices to avoid legal issues or having a tax lien placed on your property.

Experienced Debt Consolidation Attorneys in Florida

If you need to stave off the foreclosure through Debt Consolidations, our attorneys can help you.
We offer comprehensive mortgage Debt Consolidation services by our experienced attorneys.

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22+ Years Of Experience

More than a decade of experience handling complex Debt Consolidation filings in Florida.

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Free Initial Consultation

Get real answers to your Florida Debt Consolidation questions so you can make fully informed decisions.

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100+ 5 Star Reviews

You don’t have to take our word for it. Our clients rave about the speed and quality of our work.

Why Choose Stiberman Law as Your Debt Consolidation Attorney

Why Choose Stiberman Law as Your Debt Consolidation Attorney

At Stiberman Law, we have been helping people get out from under debt, avoid foreclosure, and move forward with confidence since 1998 and have over a decade of experience in complicated debt consolidation filings in Florida. Robert Stiberman is a top rated Debt Consolidation Lawyer serving Miami, Fort Lauderdale, Boca Raton, and West Palm Beach.

You will sit down with a debt consolidation lawyer who will go over your debts, income, and other important information. Working with you, we will create a strategy that will give you the best overall outcome. In some cases the solution is debt consolidation or selling your home in a short sale, while other circumstances are best solved by filing for bankruptcy and having debts discharged. Our law firm always has our clients best interests in mind and will work on your behalf to secure the best option, and we offer affordable payment options so you can get the assistance you need, when you need it most.

Schedule a Free Consultation
with a Debt Consolidation Lawyer in Florida

If you’re struggling to keep up with bills, you’ve fallen behind on your mortgage, or you worry about being sued for a debt, we can help. Schedule a free consultation with a debt consolidation lawyer in Florida today by calling (954) 932-7804 or filling out the form below and get back on the path to financial freedom and security. We proudly serve all of South Florida, including Miami, Hollywood, Fort Lauderdale, Boca Raton, and Palm Beach.

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