Debt Relief

Are you weighed down by too much debt? Is debt affecting your work and family, maybe even your health? You are not alone. In this tough economy, job loss, medical bills, and other unexpected financial setbacks are driving millions of hardworking people deep into debt. If you are watching debts pile up month after month, our attorneys can help you find solutions.

If you are struggling to pay your bills, call me. If creditors are harassing you, I can help you put a stop to it.

At Elayne M. Perez, PA, we offer debt negotiation service to our clients who do not want to file for bankruptcy or enter into a credit counseling program. While it may seem like “anyone” can handle their own debt negotiation, it is actually a complicated process that could be very costly to you if it is not done properly. Debt Negotiation is the process whereby our­ attorneys negotiate a client’s debt to a payoff balance less than the original amount owed, which is acceptable to our client and their creditor. During the debt negotiation process, Elayne M. Perez, PA can stop the harassing phone calls at home and at work to deal with your creditors on your behalf.

At Elayne M. Perez, PA we have extensive experience not only litigating against credit card companies for violations under both state and federal laws against consumers, but also effectively negotiating the settlement of existing debt for a fraction of the balance.

Beware of the debt negotiation companies that guarantee huge reductions in your debt and want you to pay them directly instead of your creditors. The majority of the time, you are paying these companies service and representation fees in installment payments over several months and not paying any of your actual debts.  Do not leave your financial future in the hands of a fraudulent debt negotiation company, only to be disappointed with the results and still burdened by unmanageable debt.

If you are able to pay some but not all of your monthly bills, contact a bankruptcy and debt negotiation attorney at Elayne M. Perez, PA for a free initial consultation to review your specific situation. We are here to help you move on with your life and regain your financial freedom. Renegotiating debts without the assistance of a qualified debt negotiation lawyer is a risky venture.  For important legal and financial advice about debt negotiation, call Elayne M. Perez, PA today at 407-545-4400.