Being in debt can feel like a prison. Bills seem to get bigger and bigger no matter how much you pay. If you only pay the minimum payments, balances never seem to go down. And the minute you are late, ridiculous penalties are applied to your accounts, only causing you to sink deeper into the hole. And to make matters worse, bill collectors begin their game. The calls and letters never seem to stop. You may feel you have no choice other than to declare bankruptcy.

This is where we can help. By hiring our firm, we will protect you from the harassment. We will help you get your life calmed down so we can evaluate your situation without the tension the collectors bring. We can create a plan to resolve your debt without resorting to bankruptcy. Bankruptcy is not our area of the law. In our experience, very few folks need bankruptcy. If we evaluate your situation and it appears to us that you may need to discuss your situation with a bankruptcy attorney, we will be honest and tell you.

If you are in the process of being sued by a creditor and wish to negotiate a payment plan, we can help. We will combine our legal strategies designed to win the lawsuit with your wish to pay the debt. We use our legal strategies to gain the most leverage possible before we begin negotiating a payment plan or lump sum settlement.

We begin the process by informing each creditor that you are represented for the purposes of their debt. This should stop the collection calls immediately. If it does not, we will use the full power of the both Florida and Federal law to enforce your rights to be free of collector harassment once a law firm is hired. This benefit alone can be worth the cost of hiring the firm.

Once we have calmed down the situation, you can sit down with one of our office staff to create a plan to repay your debts. We can help you evaluate the types of creditors that you have, create a custom plan to negotiate with each of them, and begin to repair your good credit.

We are contantly amazed at the companies that call themselves "debt negotiators" or "debt settlement companies." These companies offer no assistance whatsoever if a lawsuit is filed. Our office can represent you in the event a lawsuit is filed, separate and apart from our negotiation strategies.

Contact us for a Free Consultation and we can explain your rights and options.

Consumer attorneys Patrick Vincent and Scott Cedola defend the rights of consumers throughout Florida. Their main office is located in Tampa. They currently accept cases in Hillsborough, Pasco, Pinellas, Polk, Brevard, Volusia, Seminole, Palm Beach, Broward, Miami-Dade, Lee, Sarasota and Manatee County.