Credit Card Problems: Fort Lauderdale, Palm Beach, West Palm Beach

Get rid of credit card problems


Credit card debt problems are usually caused because of the lack of the sense of responsibility when it comes to overspending. This happens mainly to people of ages between 20 and 40 years old who repay it slowly and risk dying in debt because of their spending habits. Even people living in well developed areas such as Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach, and West Palm Beach can encounter such kind of problems.

When a consumer is late with a payment to a creditor, even if he paid his debts he has to other creditors these may increase the interest rates the consumer is paying. This phenomenon is referred to as universal default.

These who suffer from credit card debt problems can do lots of things in order to forget about them and control their spending habits in the future. First of all they should ask for help if they cannot make a payment because they can contact a credit counsellor to make up a repayment plan.

Another good solution in order to get rid of such problems would be to ask for help from your own creditor. Even if the creditor will never accept less than the minimum requested payment he could agree to change your interest rate and will work with you in order to find a solution to your problems. This happens because the main goal for the creditor is to recover his money by any means.

As a conclusion, you should not let yourself suffer from credit card problems because there are lots of solutions to fix them. The only way to get rid of these problems is to accept them and realize that you need help.

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Debt Collector Harassment Help: Fort Lauderdale, Palm Beach, Miami

Debt collection harassment

Everyone knows that today`s financial system is not at the level it should be. This is why many of us who have credits to a bank or must pay a loan are having difficulties to keep up with the payments. Even if this seems to be a problem that only appears in underdeveloped communities, nowadays even areas that most of us do not even think about having such problems can get affected, such as Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach or West Palm Beach.

Even though debt collection agencies do not have the right to harass those who have not made their payments in time this is a common phenomenon nowadays. The ones that deal with such kind of jobs are usually companies that buy delinquent debts and then try to collect them, lawyers who deal with such problems on a regular basis and also the collection agencies.

You can tell that a debt collector is harassing you if they break certain rights such as calling you at inconvenient times like before 8 in the morning or after 9 at night unless you agree to it. Another right that is usually broken is using violent language or threats which in most countries is forbidden by law. Furthermore a debt collector must not make public a list with certain names of people who do not pay their debts unless this list is given to a credit reporting company.

As a conclusion, if you think you suffer from debt collection agency harassment the best way for you to stop this phenomenon from happening is to contact a company or a lawyer who usually deals with such kind of problems and knows what are your rights and also your obligations.

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Student loan lawyer, Student loan debt relief programs in Miami

A student loan lawyer helps you with debt relief programs

The cost of education is high and often result is graduates seeking student loan debt relief programs. If you are a struggling with a government student loan or a private student loan you should consult a student loan lawyer.

Pyszka, Blackmon, Levy, Kelley, Rajo & Baron are student loan lawyers in Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach and West Palm Beach. It can become a nightmare when you have to deal with harassment and unfair debt collection practices. However a good student loan lawyer can assist with a suitable student loan debt relief program.

With a student loan lawyer on your side you don’t have to fend harassing calls or deal with various threats such as tax offsets, garnishing orders, summonses and similar collection practises.  There are many payments options including income based payments, consolidations, rehabilitations as well a loan discharge.

You don’t need to deal with rude and bullying debt collectors when your student loan lawyer can take care of these issues on your behalf. They will structure an agreement with your loan provider that will suit your circumstances and your pocket. This way you also won’t get unwanted judgements against you. If you don’t answer you’re the claim against you your creditor can file for default judgement and this not only affects your credit score, but can also have direct consequences such as the freezing of your bank account, garnishing of your wages and attachment of property.

In order to deal effectively with student debt and any other debt for that matter  you should consult with and attorney that specialises in consumer protection, debt relief and student loans. Also be careful of scam artists who promise debt relief but will just take your hard earned money. Deal with and accredited and registered student loan lawyer.

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Identity Theft Attorney: Boca Raton, Broward, and Fort Lauderdale

Identify theft lawyer can help to restore your credibility and recover your losses

Identity theft is rampant and can take many forms.  This invasive form of theft can cause a victim great aggravation and loss. Repairing identity theft is no easy task and your best option will be to engage the services an identity theft lawyer.

Pyzaka is an identity theft attorney in Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach and West Palm Beach.

To commit identity theft a criminal needs to obtain some of your personal information. It is easy for a fraudster to obtain personal data of a potential victim.  A criminal does not have to break into your home to obtain your personal data. Shoulder surfing and dumpster diving are two  common methods a criminal can use to obtain information such as a credit card number , email address or telephone number. Intercepting you mail is another way a fraudster can gain access to your personal data. Other methods include hacking, spam emails, false friendships and so on. For example someone can steal your passport and use that as a means of identity to commit a felon in your name. What if you don’t realize your passport is stolen and don’t report it as stolen?

Once a crook has sufficient personal information regarding his victim he can proceed to commit fraudulent acts in the victim’s name.  Examples include fraudulent tax refunds, false loan applications, unauthorised use of your credit card, fraudulent bank withdrawals, boarding a civilian airliner using your passport – scary possibilities. After a criminal has conducted fraudulent transactions or other illegal activities using your name, you are left holding the can. This is where your struggles begin. Apart from financial and related losses already suffered, you will need to restore your identity, try and recover losses and act fast to prevent further damage.

An identity theft lawyer can help you with this difficult process. They will investigate your case, deal with creditors and perform all required actions to restore your identity, credibility and recover your losses. Once you are aware that another person is using your identity unlawfully, you must act immediately. The longer you wait, the more damage will be done and the harder it becomes to fix everything. Contact an identity theft attorney immediately so your losses can be mitigated.


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Identity Theft Lawyer: Boca Raton, Broward, and Fort Lauderdale

What does an identity theft lawyer do and precisely what is identity theft?

Firstly, what means identity theft?

Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver’s license numbers, in order to impersonate someone else. The information can be used to obtain credit, merchandise, and services in the name of the victim, or to provide the thief with false credentials.

In addition to running up debt, an imposter might provide false identification to police, creating a criminal record or leaving outstanding arrest warrants for the person whose identity has been stolen. Now it’s when an identity theft attorney intervenes…If you find yourself in such circumstances, as a victim, of course, you should get the best identity theft lawyer to represent your case in : Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach, and West Palm Beach.

Identity theft is categorized in two ways: true name and account takeover.

True name identity theft means that the thief uses personal information to open new accounts. The thief might open a new credit card account, establish cellular phone service, or open a new checking account in order to obtain blank checks.

Account takeover identity theft means the imposter uses personal information to gain access to the person’s existing accounts. Typically, the thief will change the mailing address on an account and run up a huge bill before the person whose identity has been stolen realizes there is a problem.

To prevent identity theft, experts and identity theft lawyers recommend that you regularly check your credit report with major credit bureaus, follow up with creditors if your bills do not arrive on time, destroy unsolicited credit applications, and protect yourself by not giving out any personal information in response to unsolicited e-mail.

Now that you’ve made an idea about what identity theft is, try to protect your personal information, but if something goes wrong, ask for the help of a good identity theft lawyer.

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FDCPA Lawyers: Miami, Palm Beach, Broward, Boca Raton

Last Year FDCPA Lawyers Filed 10% Less Lawsuits Against Collectors


According to a report published by WebRecon LLC in 2013 there were 10% less lawsuits filed by FDCPA lawyers against collectors. The percentage has been on the decline for a couple of years now. The last time when lawsuits filed by consumers were one the rise was in 2011, with an 8.6% growth from 2010. But starting with 2012 the number of lawsuits has been decreasing considerably: 6.8% fewer lawsuits in 2012 and 10.2% fewer lawsuits in 2013.

Nobody knows what 2014 will bring, but one thing is for sure: while FDCPA lawsuits have been decreasing, there is one field which saw an explosive growth of suits: violations of the Telephone Consumer Protection Act were up an amazing 70% in 2012 as compared with 2013.

It seems that more and more consumers prefer to filed TCPA cases, but even though the percentage increase is mindblowing, numbers are not that impressive as compared to the work of FDCPA lawyers from Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach, West Palm Beach and the rest of the US: in 2013 there were approximately 10,000 cases of FDCPA complaints, while TCPA complaints didn’t reach 2,000.

FDCPA lawyers advise on the FDCPA guidelines

If you want to avoid a suit with consumers, you should obey to these FDCPA guidelines:

-          Acquisition of location of debtor

-          Communication with the consumer through a solid system centered around consumer service

-          Do not harass or abuse debt collectors by any means

In addition to this, there is also a list of the things you should NOT do with regards to consumers. As a debt collector, you may now falsely represent the amount of the debt, you cannot threaten legal action if you do not intend to pursue it, you are not allowed to use obscene language when communicating with the other person, and you are absolutely forbidden to publish an individual’s name on a list of consumers who refuse to pay their debts.

If you perform any of these actions, the FDCPA lawyers are entitled to file a suit against you…

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Defense Against Credit Card Lawsuit in Miami and Fort Lauderdale

Having debt problems?


 Looking for a credit card lawsuit defence?

At least once in a lifetime, we are all confronting money problems. These occur especially when it comes to a mortgage; either it’s a loan for buying a house, or a study loan- they all can bring us serious problems. If you didn’t need any defense against credit card lawsuit yet, you are a lucky one!

But, as life is full of unexpected situations, such as losing your job, or ability to work- due to an accident, here are some tricks to stay away from any credit card lawsuit.

Do you find yourself spending your paycheck or your allowance as soon as you get it? Do you find yourself spending and spending until you have no money left? Do you constantly have to borrow money from your parents, siblings, or friends? If you answered yes to any of the above, read on for tips to help you stop your spending habits that could easily materialize in a banking dept.

Firstly, admit that you spend too much and think about why you spend so much. Does it make you feel good? Do you see something and think ‘Must have it now’? Is it the pleasure of having money to spend on what you like? Shopping can be like a drug, it makes you feel good, and it’s addictive.

Furthermore, make a promise to yourself, your friends, and your family that you will change and that you will stop overspending and that you will be careful with your money from now on.

Thirdly, make a goal of how much you actually want to save, regardless of the city in which you go shopping: Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach, West Palm Beach – all of them have clearance items.

And finally, whenever you get your money, put it all away. It may seem unreasonably for you, but nowadays, this is your only chance to stay away from any possible credit card lawsuit.

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Credit Card Debt Defense and Credit Card Lawsuit Defense in Miami

Are You Looking For Credit Card Lawsuit Defense?

Maybe you have borrowed some money from the bank without being well informed about the possible extra interests in case of default, or you may be harassed by various collection agencies, without having granted your own personal rights?

All of it has a solution. Firstly, you have to learn more about card lawsuit defence and credit card debt defense, either you defend yourself, or you call a law attorney.

Here are some tips :

Protecting your rights against abusive debt collectors:

When the actual credit card company sues a consumer, such as yourself, they always have an attorney. However, they count on you to either not hire a lawyer or to represent yourself-both recipes are a win for the credit card company! In how many situations in your life, would you willingly provide someone who’s trying to hurt you with the ammunition needed to bury you? Despite this illogic, most people do this and find that they end up with a frozen bank account or a lien against their home.

In most cases, the credit card attorneys do not have the proper documentation to prove their case. So, if you are facing a credit card debt defense, always remember that as a consumer, you have several options to consider.

In your case, the most reliable solution is to ask for the help of an experienced debt defence consumer attorney. Depending on the type of debt, a possible way of eliminating it entirely, is bankruptcy. Although this is not the happiest way, it should always be reviewed as an option to terminate a collection lawsuit.

If you’ve been sued to collect on a debt, don’t give up.  You have rights and just because a lawsuit has been filed, that doesn’t mean it will be successful. Search now for free debt defence consultation in Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach, West Palm Beach.

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Identity Theft Attorney in Fort Lauderdale and Miami

Identify theft lawyer will defend your credit card suit

An identity theft lawyer can help when someone uses your personal information illegally and for their own gain. There are many forms of identity theft, ranging from tax fraud to stealing child benefits, from credit card fraud to opening utility accounts in your name. For example someone might use your social security number (SSN) to file for a tax refund or a crook might use your child’s SSN to apply for federal or state benefits.

Identity theft is widespread and people from Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach and West Palm Beach are at as much risk as anywhere else in the country.. Your personal information is more vulnerable than you think. For example you need to be careful with your online footprint as there are many hackers, crooks and scam artists out there who are always on the prowl, looking for the next victim or the next sucker to help load their bank accounts.

An identity theft attorney can help you with these matters including credit card suit defence.  Identity theft can have serious consequences for you and trying to deal with the issue yourself is not a smart idea. You will be far better off hiring the services of an identity theft lawyer. This way you don’t have to struggle with a frustrating and time-consuming process of proving your identity was stolen or abused. You need to talk to an expert consumer defense attorney at Pyszka, Blackmon, Levy, Kelley, Rajo & Baron. They know how to handle and repair the damages caused by identity theft. They have helped countless folks from Fort Lauderdale to Palm Beach mitigate and repair the damage caused by identity theft, credit card fraud and related consumer issues.

This way you don’t have to try and defend a credit card suit on your own or try and fight rude and impatient creditors and other officials who don’t want to listen to your stories. They will however have to listen to an expert identity theft attorney.

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Fort Lauderdale Student Loan Lawyer Providing Student Loan Debt Relief in Fort Lauderdale

A student loan lawyer will help you with loan and debt relief in Fort Lauderdale

The cost of education is high at most of you require a student loan to enable you to obtain the qualifications you need to pursue and build the career of your dreams. However money is tight and repayments can be difficult and you could find yourself in a situation where you need student loan relief.  It is something of a nightmare when you face harassment because your student loan is in arrears.

College and University students in Miami, Fort Lauderdale, Broward, Boca Raton, Palm Beach or West Palm Beach can get help and assistance from a student loan lawyer.  If you have defaulted on your loan and you are pursued by a collection agency or threatened with garnishing orders, tax and social security offsets then you need student loan debt relief.

Collection defence lawyers and student loan lawyers have many years’ experience in matters regarding student loan relief and debt relief. You have rights and these include protection against harassment and unfair and deceptive practises. Whether you have a government student loan or a private student loan, a student loan lawyer can help you in many ways including

  • Helping you to get out of default
  • Arrange a student loan debt relief program
  • Help you with the option of discharging your loan
  • Void improper garnishing orders
  • Assist you with debt consolidation, rehabilitation
  • Arrange income based repayments

Don’t agonize and suffer alone due to student loan debt problems. Collection defence lawyers will get the big bullies of your back and structure the matter of your student debt in a legal and amicable way. This way you get rid of the harassment and related stress and fear. They will also help and ensure you keep your credit rating in good standing. Don’t wait till it’s too late, contact a student loan lawyer immediately when you face problems with your study debt.

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