727-322-5881

Home

 Our Fees & Services email
 

Helpful Bankruptcy Links
 
Filing Fee Waiver
Free Credit Report
Credit Counseling Certificate
List of info/docs we will need
Fill out our easy questionnaire
How the court values vehicles
Trustee docs you will need
How we can help you

 
 
 

Florida Bankruptcy Services
 
Silly Bankruptcy Notions


Some typical unacceptable practices by junk debt buyers include pursuing debts that are not actually owned by the consumer; harassment or verbal abuse; multiple listings of the same debt on credit reports; and attempting to collect a debt that has passed it's statute of limitations.

Most bottom feeders use the practice of "re-aging" debts which means that they report it to credit reporting agencies (Equifax, Trans Union, and Experian) as more recent than it is to ruin your credit.  This raises the interest rate you pay on credit cards & the cost of your car insurance.

Never make a "good faith" payment on any zombie debt!  This is an old trick bottom feeders use to trick consumers because it resets the statute of limitations & the 7 year clock.

"Good faith" payments are also a sneaky way bottom feeders gain access to your bank account - so they can garnish it at a later date. 

 

Adam Jeffrey Katz, P.A.
Andreu & Palma, P.A.
Arrow Financial Services, LLC
Asset Acceptance, LLC
Atlantic Credit & Finance, Inc.
Bray & Lunsford, P.A.
CACV, LLC aka CACH, LLC ("Collect America")
Cavalry Portfolio Services, LLC
David E. Borack, P.A.
Dodge Enterprises, Inc.
Financial Independence Services Corp.
Hayt, Hayt & Landau
Jacobson, Sobo & Moselle
Law Offices of Melissa A. Ferris, P.A.
LVNV Funding, LLC *
Marcadis & Associates, P.A.
Shafritz & Braten, P.A.
Midland Credit Management ("Midland Funding, LLC")
Westport Recovery Corp.
Palisades Collections, LLC
Pollack & Rosen, P.A.
Portfolio Recovery Associates, LLC
Rubin & Debski, P.A.
Law Offices of Harold E. Scherr
Sprechman & Associates, P.A.
NCO Group Inc.**
Unifund CCR Partners, G.P.
Wagner & Hunt, P.A.
Mann Bracken, LLP or Wolpoff & Abramson, LLP
Zakheim & Associates, P.A.

*dba Resurgent Capital Services, LP; Alegis Group LLC;
aka Sherman Financial Group LLC; Pinnacle Financial Group

**aka NCO Financial Systems Inc; NCO Medclr;
NCO Portfolio Management Inc. etc. etc. etc.

 
 
Bankruptcy Basics
 
What is Chapter 7
 
What is Chapter 13
 
Chapter 7 vs. 13
 
What is the Means Test
 
Top 10 Mistakes
 
Should I File
 
Will I lose my stuff
 
Can one spouse file
 
Taxes and Student Loans
 
FAQ
 
 
 

HELPFUL CONSUMER INFO
 
Fair Credit Reporting Act
 
How to Fix Your Credit Report
 
Fair Debt Collection Practices Act
 
Telephone Consumer Protection Act
 
New Credit Card Rules
 
Fair & Accurate Credit Trans.  Act
 
Worst Debt Collectors
 
Worst Debt Purchasers
 
Bankruptcy Glossary
 
 
 
   
 

A Little Insight to Foreclosures
   
Florida Bankruptcy Services

Breaking News
PO Box  67426

 
St. Pete Beach, FL  33736  
   
 

@ 2012  All Rights Reserved.