If you are overwhelmed by the debt in Miami, and have the tension in your mind about how to regain control of your financial future? For this condition, one needs to seek legal assistance that can help the person regain control of their financial future. A debt settlement lawyer in Miami has the expertise in negotiating with creditors. The specialties of the debt settlement lawyer can reduce the balances and allow you to pay less than the amount you have borrowed.

The process of debt settlement can be beneficial for those who are facing financial hardships, and this process can help people regain control of their financial future. If you are living in Miami and want a suitable debt settlement lawyer in Miami, then Garcia Hernandez, P.A., is the right destination, where you will find experienced and suitable lawyers, as per your unique needs.

Understanding Debt Settlement

Debt Settlement is a process of negotiating with the creditors that involves the acceptance of a round figure of the payment. This round figure payment is less than the total amount owed by the person. If a person is not able to pay the full debts, then the option of debt settlement is a sign of relief for that person. With significant benefits, the process of debt settlement can have potential drawbacks, One needs to understand and be aware of the disadvantages, which can have an impact on the credit score and extra tax implications on the debt. A right debt settlement lawyer can help you navigate the disadvantages of debt settlement easily.

Debt Settlement Lawyer Miami

Debt settlement can be defined as a type of negotiation. The process revolves around elimination of debt accrued from a credit card or loan.

Garcia Hernandez, P.A.

Our team of professional and experienced debt settlement attorneys will use all of our experience to protect our clients from collection actions. Our team assists clients through the process of debt
settlement.

We will negotiate with creditors to reduce the amount of your debt. Sometimes, a successful settlement can also be made via convincing the creditor to grant forgiveness of the account balance.

While unsecured debts can be settled, other types of debt such as mortgages, automobile loans, and government loans may require a different approach altogether. We can help clients avoid bankruptcy. This will follow up with a dedicated approach towards preventing creditors from taking debt collection actions.

Will the Cycle Ever End?

The highly rated lawyers at Garcia Hernandez, P.A have many years of experience helping clients in Miami resolve their credit card debts. They will explore various options unique to your situation and determine the best action to take.

Paying Off your debts

One of the ways to get rid of credit card debt is to pay it off slowly. However, in many cases it is only possible with hassle free affordable payments. Filing for bankruptcy is a common way to erase credit card debt. If you qualify for Chapter 7 and have no qualms and issues with the public nature of bankruptcy, it can be a great option. Under Chapter 13 bankruptcy, it may take up to 5 years to become debt-free.

Debt Consolidation

Consolidating debts is a process of placing all debts into one manageable monthly payment. Although debt consolidation does not reduce the amount owed, nor stop credit card companies from filing lawsuits, it can simplify things for the debtor.

At the Law Office of Garcia Hernandez, P.A. Law in Miami, Florida, our credit card debt settlement lawyers negotiate with creditors to lower the amount of your debt and have you pay it off with a monthly payment that fits your ability to pay. By significantly reducing the amount owed through the debt settlement process, it is easier to pay the total – usually in 6 months to 3 years.

What is the role of a Lawyer for debt settlement in Miami?

• A lawyer for debt settlement in Miami can help individuals negotiate with the creditors on their behalf to negotiate reduced settlements and can help with the most favorable terms.
• The lawyers can ensure that the creditors are obeying the Fair Debt Collection Practices Act (FDCPA), which can protect the individual from harassment and illegal collection of the money.
• By understanding the financial situation of the person, the lawyer can easily determine the type of debt settlement and identify the suitable debts for the settlement.
• By reviewing the legally binding agreements, the lawyer can ensure that your interests are protected and the settlements can be documented properly.

If one is struggling with debt and searching for a resolution, then the most essential step is to consult a Miami-based debt settlement lawyer. The lawyer specializes in providing advice and negotiating on one’s behalf. A skilled and experienced lawyer helps you navigate the difficulties that occur during the debt settlement. Choosing the right debt settlement lawyer is crucial to secure the financial future with the possible outcomes of the procedure.

When Garcia Hernandez, P.A. represents you, expect the following benefits:

• Free consultation session with an experienced debt collection lawyer
• Services available at flat-fee payment options
• Structured practice designed to streamline the legal process
• Spanish speaking clients can get bilingual legal counsel
• Major emphasis on long-term debt relief results
• Positive results for over 15 years
• Happy debt free clients

Committed Skilled Debt Relief Attorney in Miami

At Garcia Hernandez, P.A., our team is committed to offering assistance to clients to help them find debt relief solutions regardless of their situation. We can resolve your debt challenges and help you get back on your feet. The goal is always to help our clients attain full financial recovery. Our passion towards this mission has helped many clients live a peaceful and successful life. The reasons for which you can choose us are:

• Experienced lawyers
• Have a deep knowledge of debt settlement
• Know local authorities
• Transparency in work
• Best outcomes of the settlement.

Call Us Todays

You can contact us today for assistance regarding debt settlement in Miami. At Garcia Hernandez, P.A., we are committed to offering the best possible outcomes of settlement. With our experienced lawyers, we hold the pride to offer positive results of settlement to our customers. If you live in Miami and want the possible results of the debt settlement, then you can contact Garcia Hernandez, P.A. through the following contact details:

Call On: (305) 771-3374
Office Address: The Law Office of Garcia Hernandez, P.A., 2655 LeJeune Road, Suite 802, Coral Gables, FL 33134.

Frequently Asked Questions for Debt Settlement in Miami:

Question 1. What are consolidating debts?

Answer. Consolidating debts is a process that involves placing the debts in one manageable monthly payment, in which there is no reduction of the owed amount. It is not possible in this process that the credit card companies stop filing lawsuits. This is just a process to make things easy and simple for the debtor.

Question 2. What is a debt settlement?

Answer. Debt settlement is a process that involves negotiation, and the debt is eliminated from the credit card or loan. In this process, the debtor agrees with the creditor to pay a reduced amount of the debt. The procedure is done to settle the debt with satisfaction.

Question 3. Is it possible to negotiate with creditors after debt settlement in Miami?

Answer. Yes, it is possible to negotiate with creditors after debt settlement in Miami. If the debt settlement is already done, it is still possible to negotiate with creditors for a revised payment plan.

Question 4. What are the most important considerations for debt settlement?

Answer. The most important points that need to be considered when thinking about debt settlement in Miami include clear and open communication with the creditors and debt collectors. The documents, such as records of communications and agreements, can help you and protect your interests. The financial condition should be understood clearly for debt settlement.

Question 5. What type of lawyer should I consider for debt settlement in Miami?

Answer. If the debt settlement is held in Miami, then you need to consider a lawyer who specializes in debt negotiation and offers consumer protection. The attorneys are highly skilled in navigating the legal aspects of debt settlement and can help the person with different options for reducing or resolving the debt.