People find themselves in financial straits for many reasons. Oftentimes we see individuals and families with financial problems that were caused by an accident or medical expenses. We know how stressful it can be to live with debt. Struggling to pay down your credit card balances or keep up with a mortgage can feel like an endless fight. We’re a debt consolidation law firm with the experience and compassion to help.
If your mortgage is your biggest challenge, downsizing through a short sale could allow you to avoid foreclosure and escape crushing debt. If you are struggling with multiple types of debt (credit cards, car loans, medical bills, etc.), filing for bankruptcy could make sense. You also have the option to try and settle your debts with your creditors.
Robert Stiberman is a top rated Debt Consolidation attorney serving in Florida. His law firm, Stiberman Law, is comprised of a team of experienced Debt Consolidation attorneys with a proven track record of working in the law industry.
Our Florida Debt Consolidation attorneys can help you find the best solution for you and your family. You can talk with a debt consolidation lawyer for free by calling our compassionate team today. We’re standing by to help.
No matter how difficult your situation may be, Stiberman Law has the resources and experience to manage your case.
If you’re considering Debt Consolidation, you need to speak with a Debt Consolidation lawyer at Stiberman Law. The consultation is completely free.
We Can Help You To
We know that this is a financially difficult time for you and your family. Financial stress negatively impacts every other aspect of your life. At Stiberman Law, our goal is to help people responsibly deal with their obligations, while protecting your financial future.
You might think that because you’re struggling financially, you can’t afford to hire a debt consolidation lawyer. The good news is Stiberman Law offers affordable payment plans in many cases. This allows you to break down the cost of hiring an attorney into manageable payments.
Did you know that you can contact your credit card companies and other personal loan providers to try and settle your debt for less than you owe? If you’ve experienced a life-altering event, your creditor may accept a smaller lump sum to settle the debt immediately. You may also be able to lower your monthly payments.
Stiberman Law has helped borrowers negotiate reduced lump sum settlements of debt. We’ve also been able to help borrowers setup more realistic, ongoing payment plans. Every creditor is different, and each borrower’s circumstances are unique.
By contacting a debt consolidation expert, you’ll have the opportunity to leverage multiple strategies to get your debt under control.
As property values rise, many homeowners choose to take out a second mortgage. This gives the homeowner access to the equity in their home, without having to sell the property. These second mortgages are secured by the home, just like your first mortgage.
If your property value falls dramatically, your home may not be worth the total balance of your outstanding mortgages. In these situations, you may be able to do a lien strip as part of a Chapter 13 bankruptcy.
The bankruptcy judge can choose to allow you to detach the second mortgage from your home, making it an unsecured debt. Unsecured debts can be placed into your Chapter 13 payment plan, allowing you to resolve this debt as part of your bankruptcy payment plan.
Advanced strategies like these require careful analysis to see if they make sense in your case. Then they need to be carefully submitted to the court and the lender to maximize the chances of success. Contact a debt consolidation attorney at Stiberman Law to find out which strategies make the most sense for your situation.
If you owe money to the IRS, you have a variety of options available to you. Some IRS tax debts can be discharged through bankruptcy. These include income taxes related to a tax return dated more than three years prior to your bankruptcy filing.
There are several stipulations that can make it difficult to discharge tax debts as part of a bankruptcy filing. The IRS has their own programs designed to help struggling taxpayers. Depending on your circumstances, you may be able to make an offer in compromise or setup a payment plan with the IRS.
Tax debt is unique. If you’re struggling to pay past taxes, or the IRS has placed a tax lien on your property, Stiberman Law can help. Our debt consolidation experts will help research your existing debts and then work with you to come up with a plan that makes sense.
If you are facing foreclosure or you are behind on your mortgage payments, you need to speak with a Debt Consolidation lawyer at Stiberman Law. The consultation is completely free.
Frequently Asked Questions
A debt consolidation attorney can help you decide whether you should really try to pay off your debts or whether you should do something else, such as file for bankruptcy, for example.
If you need help negotiating with your creditors, it is usually better to hire an attorney or do it on your own, rather than hire a debt settlement company.
Debt settlement lawyers usually have negotiation skills developed over three years of law school and many years of practical experience, as well as extensive knowledge of debt collection. An attorney or law firm can also represent you if a creditor files a lawsuit against you.
For some clients, bankruptcy may be the answer. An attorney at our firm will help you determine if that is the right option for you.
Why Choose Stiberman Law?
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.
Contact Us Now
Schedule a Free Consultation with a Debt Consolidation Lawyer
You need answers that your family can rely on. You don’t have to continue to struggle with overwhelming debt. Hire an experienced debt consolidation lawyer. We provide compassionate assistance in resolving crushing debt, allowing you to build a better future for your family. Let us put our experience to work for you. We’re standing by to help.
Meet Robert Stiberman
Choosing a law firm to represent you is an important decision. I was admitted to The Florida Bar in 1998 after graduating from the University Of Miami School Of Law in 1996. I began my legal career as a volunteer attorney in the Miami Dade Public Defenders Office. I also worked as an associate for a firm in South Florida that handles real estate related matters. In 2007 I opened my own law practice and in 2009 I began to represent clients in Bankruptcy matters. I am admitted to the United States District Court for the Middle and Southern District of Florida. I invite you to compare my qualifications and experience to those of other attorneys you might be considering.
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