Recent Blog Posts

Florida Debt Negotiators Can Be Of Great Help

Florida Debt Settlement Lawyer — Mon, 21 Nov 2011 18:10:00 GMT

As major Florida debt encounters are rapidly rising, a revolutionary wave has emerged in the industry of Florida debt settlement. Profession of debt settlement has gained a lot of popularity and these professionals are the true destiny of those in debt. These professionals provide detailed knowledge of Florida debt settlement options to the debtors, assist in choosing the most suitable option of debt relief and provide the benefit of mental satisfaction to the debtors.

Florida Debt settlement lawyers work by contacting the creditors of their respective clients, and try to convince the lenders to make negotiations in debt payment. Debt settlement lawyers may be successful in making the creditors agree to cut down the debt payment even to 90%. They may also succeed in getting reduction in associated high interest payment for their clients.

Debtor's compliance and trust plays the major role in successful efforts of debt settlement lawyer. Debtor must provide his complete financial details to his appointed debt settlement organization, which includes details of all his debt, income, property, expenses and saving. Once the Florida debt settlement attorney is aware of all financial facts of his client, he can design the most convenient debt payment plan for him, which will not burden his monthly budget and help him get debt relief soon.

Though the lavish facility of credit card brings the sense of freedom of spending, but its use often leads to heavy debt loads. In the past decade, credit card availability accelerated on a wide scale in Florida, and credit card provision was not cautiously restricted to those with good income and high credit scores. Those with low credit scores were provided credit cards at very high interest rates, and soon became a victim of debt loads. They borrowed more loans from other lenders to pay their previous loans. This lead to a vicious cycle of more and more burdening debt loads.

When the debtors become exhausted of making high debt payments every month, they finally approach Florida debt settlement attorneys in a state of confusion, with a new hope. Hiring the Florida debt settlement attorneys and selecting the best Florida debt settlement option with the assistance of Florida debt settlement attorney; is much better than filing bankruptcy. Though filing bankruptcy will lead to debt elimination, but it badly affects the credit scores. Chapter 7 of filing bankruptcy also makes the debtor loose his property via auction to clear creditor's pending payment.

Unfortunately, many Florida credit counselors do not seem to fulfill debtors' expectations. On the other hand, to avoid unnecessary filings of bankruptcy, Government has passed new laws. These laws demand provision of complete documented property and income details from the debtor, and details of his income. On the bases of these details Florida court decides whether a debtor qualify for filing bankruptcy or not.

Selecting The Right Debt Settlement Attorney

Florida Debt Settlement Lawyer — Thu, 10 Nov 2011 23:25:00 GMT

The most important part of debt settlement, is hiring the right Florida debt settlement attorney. If you have taken up the option of debt settlement to get rid of your debt, you have to make sure that you have selected the right debt settlement attorney. There are various debt settlement attorneys in the market; all of them are not the best. Some are old and some are new but all these attorneys do not have what is needed to be the best in the business. A debt settlement attorney is specially trained to help you navigate the legal system and settle your unsecured debt for less.

A Florida debt settlement attorney will stop all of the harassing telephone calls, take care of all necessary communications with the creditors and collection agencies to get your life back on track. Keep in mind that settling unsecured debt will negatively impact your credit score, but it's often a better route than declaring bankruptcy.

When you are beyond the help of credit counseling, debt settlement is an excellent solution. The amount you will pay in attorney fees is well worth reducing your unsecured debt in less than half and having the opportunity of getting your life back on track.

When selecting a Florida debt settlement attorney you have to consider that a debt settlement attorney is recognized as successful when he/she has had real results. In other words, they are strong negotiators with a proven track record. So make sure that the attorney you have selected has a proven track record and years of experience. Take your time and research the Florida debt settlement attorney you have chosen.

BEWARE! Debt Settlement companies use aggressive advertising to promote their company and to attract clients. These are not licensed attorneys. They make promises which they cannot keep. Do not fall for such traps, these companies are of no help and these companies will further increase your debt problem instead of solving it. Debt Settlement is a very technical and complex process and companies that promise to solve your debt issues in a very short period of time are the fake ones.

For a FREE consultation contact the Carman Law Firm today (561) 392-7031

Debt Settlement & Attorneys to the Process

Florida Debt Settlement Lawyer — Wed, 09 Nov 2011 14:35:00 GMT

Now a day's debt settlement is a point of discussion for many concerns. In general debt settlement offers debtors an option to repay, at a substantial discount, their unsecured debts i.e. credit card, utility bills, etc. In this article we are going to discuss about the debt settlement, how it reliefs individuals and how an experienced debt settlement attorney can be a helpful to the settlement process.

Debt settlement is available for those who are forced into economizing and must default on their payments to unsecured creditors. Regrettably, hundreds of families find themselves in a financially frustrating plight with no foreseeable resolution. The process of settling these outstanding debts is a daunting and stressful situation. Individuals who need such services can rest assure that there are very talented debt settlement attorneys available to them which charge a nominal fee to settle these debts.

If you know that negotiating and settling your debt on your own is not right for you, then you'll need to hire an experienced debt settlement attorney. BEWARE! There are lots of non-attorney debt settlement companies popping-up all over the country and not only are most scams but they charge exorbitant fees as they service you. In most of the cases they charge the debtors a percentage of their total debts or sometimes a percentage of their discount amount. So either way it's best to hire a licensed Florida Debt Settlement attorney.

For a FREE consultation contact the Carman Law Firm today (561) 392-7031

The In And Out Of Debt Settlement

Florida Debt Settlement Lawyer — Tue, 08 Nov 2011 16:50:00 GMT

Individuals living in Florida have been facing the problem of debt for a long time period. They have been unable to repay their loan bills and have fallen short of payment of monthly loan installments. Due to non-repayment of loan, a creditor keeps calling the borrowers and disturbs their mental peace. These activities cause emotional and social problems in the lives of debtors. This stimulates the debtor to take measures to solve their financial issues. The first method that these debtors think of using is bankruptcy. Bankruptcy is not the ultimate solution; bankruptcy does not help the borrower or the lender. In such circumstances the best option is debt settlement.

If you plan to take up the option of debt settlement, you have to first hire a reliable debt settlement attorney. A reliable debt settlement attorney is one who has been working in the field for a long period of time and has helped various debtors gain debt relief through debt settlement. This attorney will contact your lender and will negotiate with them. They negotiate for a discount in the amount of money a debtor has to pay and they even negotiate for a relaxed loan repayment schedule. These attorneys are well aware about the ways of obtaining a huge discount on the amount of money owed by a debtor. One of the techniques used by them is the threat of bankruptcy. The attorney informs the lenders that if they do not agree to negotiate, then the debtor will resort to filing for bankruptcy. This will stimulate the creditor to award a huge discount to the debtor. The amount can be discounted by 50 to 60% and the interest rate charged on the discounted amount is even very low. At times the debtor even obtains a long period of time to repay the loan amount.

Debt negotiation sounds to be the best and the easiest way of solving the problem of debt but it comes with some negative effects. One of the downside of debt settlement is that the debtor's credit score is negatively impacted. It is not as negatively impacted as in the case of bankruptcy. This problem is solved as soon as the debtor pays of the entire loan amount by using the method of debt negotiation.

Debt settlement is even a positive measure for the lender as he does not end up losing all his money which he might have to if the debtor files for bankruptcy. This is one of the reasons due to which a lender gets ready to negotiate with the negotiating attorney.

For a FREE consultation contact the Carman Law Firm today (561) 392-7031

Why is Debt Settlement the best option?

Florida Debt Settlement Lawyer — Sun, 06 Nov 2011 15:38:00 GMT

Every state across our great country has been negatively affected by the recent credit crises. People living in Florida are one of the victims of these crises. People have tried various instruments to solve their debt issues. They have refinanced their home loans and have even tried to pay high interest rates for new loans but their problems have increased rather than decreasing. Credit counseling services have been quite helpful but these services have not proved to solve the entire problem. One of the best option in such circumstances is Debt Settlement, this method of solving debt related issues have worked out for many.

Debt Settlement is even recognized as Debt Negotiation, this method is used to help those who have failed to pay their monthly loan installments. Debt Settlement is even considered better than filing for bankruptcy. Following are the differences between the effects of using Debt Settlement and bankruptcy.

When an individual files bankruptcy his credit score is negatively affected. His credit score clearly shows that he has selected the option of bankruptcy. This is a sign of warning for creditors that the individual does not has the capability of managing his finances and if he is awarded with a loan in future, he might not be able to repay the loan amount. On the other hand if an individual selects Debt Settlement, his credit score is even damaged, but this damage is not as harsh as the damage done by bankruptcy program. The credit report of a person who has selected the option of debt negotiation is considered better because the person is at least trying to repay the debt amount.

One of the downsides of debt settlement is that the lender might try to contact you again and again to get his payment. This might ruin your mental peace, but you can control this kind of activity. To control this activity you need to hire an experienced Florida Debt Settlement Attorney. When a third party debt collector receives a cease & desist letter from your attorney, they must stop calling you and respect your privacy. Doing this on your own with this kind of letter does not stop the original loan lender.

By using an experienced Debt Settlement Attorney you receive easy and fast relief from your debt issues and your future remains secure. On the other hand if you use bankruptcy, the probability of getting future loans decreases. In case of credit counseling option, relief is slow paced.

I Highly Recommend the Carman Law Firm!

Admin — Mon, 06 Jun 2011 16:23:00 GMT

I am a middle class professional who due to illness and unemployment fell on difficult times and unfortunately fell severely behind on several credit cards. As I was recovering the thought of dealing with my debts and collection agencies was completely overwhelming to me and causing me an enormous amount of stress as I had never encountered this before and felt terrible about it.

While I was searching the internet for a solution to my problems I fortunately came across the website for Carman Law Firm. I called them and spoke with them about my issues and after the first contact I felt so relieved. I began the process of paying back my debts at unbelievably lower rates that this law firm had negotiated for me.

Dealing with the team at the Carman Law has been an incredible experience. They kept to their word on everything. It was so refreshing to deal with an organization that is not only pleasant and professional but very efficient with a great deal of integrity.

I would highly recommend to anyone who finds themselves in a similar situation to mine to utilize their services. It has been one of the best decisions I have ever made. I will be eternally grateful to them. They are a pleasure to deal with.

Diane M.
Clearwater, Fl.

Recent Carman Law Firm Credit Card & Unsecured Debt Settlements

Admin — Sat, 04 Jun 2011 18:15:00 GMT

The Carman Law Firm continues to successfully negotiate FULL settlement of unsecured debt for its clients.

Here are just a few of the settlements for this week;

Bank of America - Amount Due $26,400.00 - Settled at 10%/$2,641.00
American Express - Amount Due $3,341.00 - Settled at 20%/$669.00
Discover Card - balance due $2,376.00 - Settled at 16%/$376.00
Bank of America - balance due $17,000.00 - Settled at 10%/$1,660.00
SunTrust - balance due $53,000.00 - Settled at 17%/$9,000.00
American Express - balance due $78,301.93 - Settled at 23%/$17,910.00.

"If You're Struggling To Pay your Bills and Buried Deep In Debt, you too just might Be Able To Get Substantial Debt Relief…. And Without Filing Bankruptcy."

Are you buried in debt with nowhere to turn?

Act today because quite frankly, tomorrow may be too late…

Consider hiring the Carman Law Firm

The Carman Law Firm can assist those in need of debt and mortgage relief. With many options available and trusted answers to questions that someone might have about regarding credit card debt, short sales, loan modification, foreclosure and strategic default.

Call The Carman Law Firm today at 1-800-763-0775 for an informative and free comprehensive consultation on how the Carman Law Firm can help you.

Carman Law Firm settles 2nd Mortgage of $81,000.00 with Chase Bank for $10,000.00!

Admin — Fri, 03 Jun 2011 18:00:00 GMT

The Carman Law Firm has once again successfully negotiated a FULL settlement of a client's 2 ^nd mortgage for just 12% of what they actually owed!

That's right… just 12% of what they owed and without filing for bankruptcy!

This settlement not only allows the clients to remain in their Palm Beach County home of 15+ years, they are no longer underwater!!!

"If You're Struggling To Pay your Bills and Buried Deep In Debt, you too just might Be Able To Get Substantial Debt Relief…. And Without Filing Bankruptcy."

Combining our experience and working relationships with lenders we were able to avoid the common pitfalls that many consumers encounter while trying to work things out directly with their lender.

The firm is recognized for their skill and integrity having more than 28 years of experience. The firm's personal attention to its clients' needs and desired results produces a customized approach that this firm delivers to each case.

Are you buried in debt with nowhere to turn?

Act today because quite frankly, tomorrow may be too late…

Consider hiring the Carman Law Firm

When you work with us, you will be working with a team who believes in bringing you all the information and skills we can. We consider it our duty to help you analyze your situation, and we will provide you with every detail to ensure you make the most informed decision. We can assist you with settling your credit card debt for pennies on the dollar and provide active credit repair, helping your credit score rise as quickly as possible.

Call The Carman Law Firm today at 1-800-763-0775 for an informative and free comprehensive consultation on how the Carman Law Firm can help you.

Carman Law Firm settles 2nd Mortgage of $85,000.00 for $6,000.00!

Admin — Thu, 02 Jun 2011 17:46:00 GMT

That's right; once again the Carman Law Firm has successfully negotiated a FULL settlement of a client's 2 ^nd mortgage for just 7% of what they actually owed!

That's right… just 7% of what they owed and without filing for bankruptcy!

Do you know why we are always so excited about our settlements…the average attorney debt settlement is usually around 40% of what a client may owe! But not when you're represented by the Carman Law Firm… our average settlement is normally BELOW 25%...

What can we say; it has to be our aggressive representation and experience that make us so successful.

"If You're Struggling To Pay your Bills and Buried Deep In Debt, you too just might Be Able To Get Substantial Debt Relief…. And Without Filing Bankruptcy."

Combining our experience and working relationships with lenders we were able to avoid the common pitfalls that many consumers encounter while trying to work things out directly with their lender.

The Carman Law Firm screens prospective clients by performing a thorough assessment of their finances and analyzing the creditor's loss mitigation guidelines. The firm negotiates directly with the creditor to obtain the best possible solution in each case through a variety of debt settlement strategies.

Are you buried in debt with nowhere to turn?

Act today because quite frankly, tomorrow may be too late…

Consider hiring the Carman Law Firm

Call The Carman Law Firm today at 1-800-763-0775 for an informative and free comprehensive consultation on how the Carman Law Firm can help you.

HAVE A DEBT SETTLEMENT ATTORNEY ON YOUR SIDE

Admin — Thu, 05 May 2011 13:33:00 GMT

DEBT is now a national epidemic and the sluggish economy is not helping.

Is your phone ringing off the hook because of your creditors?

Are collection agencies knocking at your door?

If answered yes, you should immediately consult with a debt settlement attorney.

What is debt settlement?

Debt settlement eats through the mountain of debt you have with your creditors. Having a debt settlement attorney fight for you helps make you a winner out of the experience.

Here are some good reasons why you should have a debt settlement attorney on your side:

Assists you in reducing the principal balance: Hire an attorney so that the creditors agree to maximum reductions in the balance that you owe your credit card companies. A debt relief attorney is usually well aware of the tactics that should be used in negotiating with the credit card companies.
Eliminates all possibilities of collection calls: As a debt attorney takes charge of all your unpaid credit card bills and starts negotiating with your creditors, she will soon put an end to all the possibilities of collection calls. When the creditors hand over the accounts to the collection agencies, it is most likely that the debt collectors will call you incessantly to recoup their money.
They provide professional expertise when negotiating: As such the debt negotiation process is itself a legal one and you must be aware of the various legalities that are involved in the entire process. Since the debt attorneys are actually lawyers, they can help you settle your debts in the best legal way possible. While negotiating with your creditors, they will use the right tactics and enforce the right rules and guidelines that should be done.

You have consumer rights. Hiring a debt settlement attorney will provide you with professional assistance and a way to dig out of the hole.

For more information on debt settlement using an attorney, call the Carman Law Firm, at 561-392-7031.

Debt Collection FAQs: A Guide for Consumers

Admin — Thu, 05 May 2011 13:20:00 GMT

If you're behind in paying your bills, or a creditor's records mistakenly make it appear that you are, a debt collector may be contacting you. The Fair Debt Collection Practices Act (FDCPA), prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you. Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis and companies that buy delinquent debts and then try to collect them.

Here are some questions and answers about your rights under the FDCPA.

What types of debts are covered?

The FDCPA covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn't cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?

No. A debt collector may not contact you at inconvenient times or places, such as before 8 am or after 9 pm, unless you agree to it. And collectors may not contact you at work if they're told (orally or in writing) that you're not allowed to get calls there.

How can I stop a debt collector from contacting me?

If a collector contacts you about a debt and you don't want the collector to contact you again, tell the collector - in writing - to stop contacting you. Here's how to do that:

Make a copy of your letter. Send the original by certified mail, and pay for a "return receipt" so you'll be able to document what the collector received. Sending this letter to a debt collector does not get rid of the debt (if it's actually owed), but it should stop the contact. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit.

Can a debt collector contact anyone else about my debt?

If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don't have an attorney, a collector may contact other people - but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?

Every collector must send you a written "validation notice" telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don't think you owe the money.

Can a debt collector keep contacting me if I don't think I owe any money?

If you send the debt collector a letter stating that you don't owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?

Harassment: Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:

use threats of violence or harm;
publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
use obscene or profane language; or
Repeatedly use the phone to annoy someone.

False statements: Debt collectors may not lie when they are trying to collect a debt. For example, they may not:

falsely claim that they are attorneys or government representatives;
falsely claim that you have committed a crime;
falsely represent that they operate or work for a credit reporting company;
misrepresent the amount you owe;
indicate that papers they send you are legal forms if they aren't; or
Indicate that papers they send to you aren't legal forms if they are.

Debt collectors also are prohibited from saying that:

you will be arrested if you don't pay your debt;
they'll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
Legal action will be taken against you, if doing so would be illegal or if they don't intend to take the action.

Debt collectors may not:

give false credit information about you to anyone, including a credit reporting company;
send you anything that looks like an official document from a court or government agency if it isn't; or
Use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:

try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt - or your state law - allows the charge;
deposit a post-dated check early;
Take or threaten to take your property unless it can be done legally; or contact you by postcard.

Can I control which debts my payments apply to?

Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don't think you owe.

Can a debt collector garnish my bank account or my wages?

If you don't pay a debt, a creditor or its debt collector generally can sue you to collect. If they go to court and win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.

Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don't ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?

Many federal benefits are exempt from garnishment (meaning they cannot be taken by the debt collector). The federal benefits that are protected include:

Social Security Benefits
Supplemental Security Income (SSI) Benefits
Veterans' Benefits
Civil Service and Federal Retirement and Disability Benefits
Service Members' Pay
Military Annuities and Survivors' Benefits
Student Assistance
Railroad Retirement Benefits
Merchant Seamen Wages
Longshoremen's and Harbor Workers' Death and Disability Benefits
Foreign Service Retirement and Disability Benefits
Compensation for Injury, Death, or Detention of Employees of U.S. Contractors outside the U.S.
Federal Emergency Management Agency Federal Disaster Assistance

*Note: federal benefits may be garnished under certain circumstances, including paying delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?

You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can't prove that you suffered actual damages. You also can be reimbursed for your attorney's fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector's net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?

If a debt collector files a lawsuit against you to collect a debt, you MUST respond to the lawsuit, either personally or through a lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?

Report any problems you have with a debt collector to your state Attorney General's office and the Federal Trade Commission. Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General's office can help you determine your rights under your state's law.

Where can I find a lawyer that can help me?

Call the Carman Law Firm at 1-800-763-0775 or email us at info@carmanlegal.com, get answers you need and schedule an informative and free comprehensive consultation on how the Carman Law Firm can help you.

Carman Law Firm settles Client’s Credit Card Debt of $50,856.00 with Bank of America for $5.085.00!

Admin — Tue, 26 Apr 2011 17:52:00 GMT

That's right; once again the Carman Law Firm has successfully negotiated a FULL settlement of a client's credit card debt, with Bank of America, and for just 10% of what they actually owed!

That's right… just 10% of what they owed and without filing for bankruptcy.

Do you know why we are always so excited about our settlements…the average attorney debt settlement is usually around 40% of what a client may owe!But not when you're represented by the Carman Law Firm… our average settlement is normally BELOW 25%...

What can we say; it has to be our aggressive representation and experience that make us so successful.

"If You're Struggling To Pay your Bills and Buried Deep In Debt, you too just might Be Able To Get Substantial Debt Relief…. And Without Filing Bankruptcy."

Combining our experience and working relationships with lenders we were able to avoid the common pitfalls that many consumers encounter while trying to work things out directly with their lender.

Are you buried in debt with nowhere to turn?

Act today because quite frankly, tomorrow may be too late…

Consider hiring the Carman Law Firm

Call The Carman Law Firm today at 1-800-763-0775 for an informative and free comprehensive consultation on how the Carman Law Firm can help you.

The Risk of Ignoring Collection Notices

Deborah A. Carman, Esq. — Mon, 21 Mar 2011 22:38:00 GMT

An article published yesterday in the Sun-Sentinel "Companies filing more lawsuits over credit card debt in South Florida" really spells out what I tell potential clients every day; if you ignore it - you're done - they will sue you.

People are frustrated, they simply can't pay and assume that collectors can call them all they want but if I don't have it there's not much they can really do. This sort of assumption makes a bad situation even worse. Creditors and their collection companies have come to the realization that they now have to sue individuals to get their attention, which they are doing and it's unfortunate.

And while the recession has increased the number of debtors, companies are also getting much more aggressive about collecting.

Small claims courts in Broward and Palm Beach counties are reporting a spike in the number of cases against debtors, who typically owe less than $4,000.00.

Some judges say they are handling more than 25 such cases a week, compared to just a handful a few years ago. On a recent Thursday in Judge Gregory Keyser's small claims courtroom in West Palm Beach, more than half of the 50 pre-trial hearings were credit card cases. In Broward County, Judge Steven Deluca said a review of a recent Monday docket showed, he had 49 cases and 73 percent of them are credit card cases.

And here's another example; Collection Company's such as Asset Acceptance, a Michigan-based company that buys debt from credit card issuers, filed only about 250 cases in Broward County during 2007 and in 2010 it filed 938 cases, more than three times the amount.

Additionally, not all debt cases go to small claims court. Debtors need to know that when a debt is valued at more than $5,000 it goes to civil court, where legal representation is especially needed. Filing a lawsuit doesn't always guarantee collection, but when defendants don't show up or can't pay, which is usually the case, the company gets a judgment.

So what if I have a Judgment against me, I can't pay, it doesn't mean anything, right? Wrong! If a judgment is entered against you by a court, your wages, your bank account and other assets may be taken from you to pay the judgment. And in Florida, a judgment is good for 20 years after it is filed with the clerk which means that the person or company who obtained the judgment can collect on that judgment for up to 20 years or until it is fully paid.

If you are one of the many individuals struggling to make your payments, don't ignore it - it's not just going away! Seek the advice of an experienced debt relief attorney - know your options and understand your rights. Most attorneys, like me, will offer you a free initial consultation. So you have nothing to lose - but everything to gain.

Carman Law Firm settles Client’s Credit Card Debt of $9,200.00 for just $1,100.00!

Admin — Sat, 05 Mar 2011 17:53:00 GMT

Once again the Carman Law Firm successfully negotiated a FULL settlement of a client's credit card debt, this time it's with First National Bank, and for just 12% of what the client actually owed!

That's right… just 12% of what they owed and without filing for bankruptcy.

Do you know why we are always so excited to post our settlements…because the average debt settlement is usually around 40% of what a client may owe!But not when you're represented by the Carman Law Firm… our average settlement is normally BELOW 25%... actually I do believe that the average is more like 18%!

What can we say; it has to be our aggressive representation and experience that make us so successful.

"If You're Struggling To Pay your Bills and Buried Deep In Debt, you too just might Be Able To Get Substantial Debt Relief…. And Without Filing Bankruptcy."

Combining our experience and working relationships with lenders we were able to avoid the common pitfalls that many consumers encounter while trying to work things out directly with their lender.

Are you buried in debt with nowhere to turn?

Act today because quite frankly, tomorrow may be too late…

Consider hiring the Carman Law Firm

Call The Carman Law Firm today at 1-800-763-0775 for an informative and free comprehensive consultation on how the Carman Law Firm can help you.

Carman Law Firm settles Client’s Credit Card Debt of $7,880.00 with Bank of America for $1,100.00!

Admin — Sat, 05 Mar 2011 17:34:00 GMT

That's right; once again the Carman Law Firm has successfully negotiated a FULL settlement of a client's credit card debt, this time it's with Bank of America, and for just 14% of what they actually owed!

That's right… just 14% of what they owed and without filing for bankruptcy J

Do you know why we are always so excited about our settlements…the average attorney debt settlement is usually around 40% of what a client may owe!But not when you're represented by the Carman Law Firm… our average settlement is normally BELOW 25%...

What can we say; it has to be our aggressive representation and experience that make us so successful.

"If You're Struggling To Pay your Bills and Buried Deep In Debt, you too just might Be Able To Get Substantial Debt Relief…. And Without Filing Bankruptcy."

Combining our experience and working relationships with lenders we were able to avoid the common pitfalls that many consumers encounter while trying to work things out directly with their lender.

Are you buried in debt with nowhere to turn?

Act today because quite frankly, tomorrow may be too late…

Consider hiring the Carman Law Firm

Call The Carman Law Firm today at 1-800-763-0775 for an informative and free comprehensive consultation on how the Carman Law Firm can help you.