Fort Lauderdale Bankruptcy Lawyer
Facing Bankruptcy in Fort Lauderdale?
When debts are out of control and you are being hounded by creditors, it is an extremely stressful situation. In the current economy, many individuals and families are suffering from financial troubles, either through the loss of employment, mortgage payments that have increased outrageously or through divorce, medical bills, or other situations. In such cases, most people try to solve their problems by juggling payments or ignoring calls from creditors. This usually makes matters worse, and eventually the situation is so far out of control that filing for bankruptcy could be the solution to finally resolve it. There also could be an alternative to filing bankruptcy that would be more effective for your personal situation.
Unfortunately, these financial issues rarely improve. As the situation progressively gets worse, repossessions of vehicles, foreclosure on your home, and wage garnishments and other problems arise. If you are in a serious financial condition and want to be free to move forward with a new start, it is crucial that you contact a Fort Lauderdale bankruptcy lawyer from the McCue Law Firm. Our firm is a husband and wife lawyer team that has the goal of helping our friends and neighbors in the community who are suffering from serious financial stress through the application of the federal bankruptcy laws. We can assist our clients in resolving their financial issues, and are personally concerned with you and interested in helping you get your finances under control
Bankruptcy & Foreclosure Cases
Our firm provides legal representation in bankruptcy, including
chapter 13, as well as helping business owners file
business chapter 7. Thousands of Fort Lauderdale homeowners could get the relief they need and avoid losing their property through our actions in
foreclosure defense. If you are in an underwater mortgage, we know the process and how to negotiate with your lender on your behalf. For those who are facing crushing credit card bills, we can help you in
credit card lawsuit defense. If you have a judgment against you and need
garnishment relief, we move forward quickly so you could once again get your entire paycheck, as is so badly needed. We file legal action against collection agencies that have violated the Fair Debt Collection Practices Act (FDCPA) or the
Florida Consumer Collection Practices Act (FCCPA).
The Fair Debt Collection Practices Act (FDCPA) was created as an amendment to the U.S. Code in 1977. The goal of this act was to protect consumers who were being harassed by those they were in debt to. Now, the way that creditors interact with borrowers is regulated and if they do not treat people according to law, they can be held accountable for what they have done. Examples of the type of behavior which is prohibited includes calling the borrower outside the hours of 8 a.m. and 9 p.m., using abusive language against the individual, contacting them at work for the purpose of embarrassing them, or using deceit to threaten them into repaying their debt. Rather than treat consumers in this way, creditors are instead required to identify themselves and give verification regarding the debt they are contacting them about. If the creditor does not follow these laws, a lawsuit can be filed against them.
If you need a mortgage loan modification, you may have already tried to arrange this with your lender with no results. We know exactly how lenders work and how to best serve your interests in negotiating this critical issue. We can take action if you are a victim of a violation of fair credit reporting, and can assist you with
credit repair, either after bankruptcy or when your credit has been damaged. We assist individuals and businesses in
debt litigation, and
debt counseling. If you need help
rescuing your home, we can evaluate your situation at once, even when foreclosure is within a few days. We guide our clients throughout
the bankruptcy process, can give you the truth about
life after bankruptcy, and both the risks and
benefits of bankruptcy. We will help you with every requirement including the
means test. We can file legal action against creditors that are violating your rights for victims of
creditor harassment, negotiate a
deed in lieu, and are very skilled in the process of
eliminating second mortgages.
Do you have questions about mortgage loan modifications? More and more homes are worth less than what is actually owed on them due to the struggling real estate situation in Florida. If this is your case, the terms of your mortgage may need to be changed. When the housing market was booming, lenders were giving people adjustable rate mortgages where there is a low interest rate at the beginning but it increases after a few years. Now, people are finding it necessary to sit down with their lender and discuss what should be done. Many of these families are living with the threat of foreclosure hanging over them and this could be a helpful tool in avoiding foreclosure. By allowing a member of our legal team to help you in the negotiation, your lender could agree to a modified contract that better suits your situation.
McCue Law Firm:Fort Lauderdale Bankruptcy Case
Searching for a lawyer for a bankruptcy case in Fort Lauderdale, Florida? Our team at the McCue Law Firm understands that filing for bankruptcy is not right for everyone. In some cases, however, it can prove to be the best option and can provide financial relief. By allowing us to examine your specific case, we could let you know what the best option is for you. If filing for bankruptcy is not in your best interests, we can instead help you take advantage of a bankruptcy alternative like debt settlement or debt consolidation. If you are dealing with creditor harassment, it can be helpful to have someone on your side protecting your rights and best interests. With over 14 years of experience on our side, you will be able to have peace of mind knowing that we are on your side fighting for you. No matter how complex your financial situation appears to be, do not waste any time in getting in touch with our firm. Contact a Fort Lauderdale bankruptcy lawyer from our team today!