Debt Defense

Florida Debt Defense Attorneys

Understanding Your Debt Defense Options

If you have ever searched for, "debt attorneys near me" We know at The Dellutri Law Group, PA, that significant debt—and the inability to pay those debts—can wreak havoc in a person’s life. Seemingly insurmountable debt can not only cause you considerable financial stress, but it can also affect your marriage and relationships, your work, and even your health. Before you know it, you’ve got creditors calling you nonstop, at every hour of the day, and the next thing you know, you’ve been hit with a lawsuit.

If you’re being sued on debt, you may feel as though you have no options. We’re here to tell you that that’s simply not true. In fact, there may be one or even multiple defenses to every allegation you are facing. Remember, if you are being accused of breaching a contract or are otherwise facing a debt-related lawsuit, you have rights. One of those rights is to work with a qualified debt defense attorney who can help you file a strategic debt defense lawsuit based on your unique situation.

You’re probably thinking, “How am I supposed to afford a bankruptcy attorney?” You might even be thinking that you’d be better off spending that money on paying back some of your debts. While we understand where you are coming from, we also believe you may be asking the wrong questions.

Instead, ask yourself:

  • What if you could learn about your debt defense options for free? Would you want to learn more about how you could protect yourself, your family, and your assets?
  • Are you interested in speaking to an attorney who actually sues creditors and debt collectors—even other attorneys—who cross the line or harass customers?
  • What if suing the creditors or debt collectors meant they had to pay you and your legal fees?

If you’re interested in learning more, ask yourself this last question: What are you waiting for? When you reach out to the Florida debt defense attorneys at The Dellutri Law Group, AP, you receive a free consultations. During this session, we’ll go over your options and which debt defense solution is likely to be the best for you.

To get started, give us a call at (800) 391-4337 or contact us online now.

The Dellutri Difference

When it comes to choosing a debt defense team, it’s important to remember that not all attorneys are the same. While many attorneys offer a “free consultation,” ask yourself—what exactly does this consultation entail? Will you be able to ask your questions and receive a full explanation of your options? Will you get a detailed road map of how to proceed with your debt defense? Or, is this just a way for a law firm to lure you in for a high-pressure pitch as to why you should hire their attorneys?

At The Dellutri Law Group, PA, we believe in doing things differently. In fact, we don’t even like the phrase “free consultation” because we believe it implies that that’s all you get—a single meeting with an attorney or law firm staff member and nothing else. Instead, we offer “complimentary strategy sessions” because that’s exactly what they are! During your session, you’ll receive a form requesting details of your income, assets, and debts, among other things. When you need a debt collection defense attorney in florida, contact our expert team of attorneys.

This can be intimidating, but it allows us to get a clearer picture of your situation and actually narrow down some of the issues we should be focusing on with you. You will also spend 30 minutes speaking to one of our Florida debt defense attorneys about your individual needs and how your specific case will be handled should you choose to work with us. The attorney will also discuss the reasons behind the action you are facing, as well as the various possible defenses available to you. You can request additional time, but any time over 30 minutes will be billed accordingly.

When you leave your free consultations, you will have a clearer understanding of your situation and your options, as well as how our team can help you. And, perhaps most importantly, we offer this at absolutely no cost or obligation to you. Why do we do this? Because we believe that you shouldn’t have to navigate a lawsuit on your own. We believe that all people, regardless of their debt situations, should be treated with respect and dignity. We understand that, sometimes, unforeseeable events—like divorce, the loss of a job, or even an automobile accident—can leave good, hardworking people in tough situations. Our goal is to help you get started on the road to a fresh, new beginning.

If I Default, Will It Hurt My Credit Score?

One of the major concerns clients have with pursuing bankruptcy, a short sale, a deed-in-lieu of foreclosure, or foreclosure is the impact it will have on their credit score. Defaulting on a loan is not an easy reality for anyone to face, but the overwhelming increase in unemployment rates, the slowing economy, and falling home values have created insurmountable hardships for many Americans, who are left with no other alternatives.

Creditors continue to prey on the consciences of honorable consumers who want to pay their debts but simply do not have the means to do so. Although alternatives such as bankruptcy and short sales provide consumers with an avenue to “start fresh” or the option to sell a home for less than what is owed on the loan without a deficiency, it is by no means an easy way out of existing financial obligations.

Such options come with consequences that should be carefully weighed against their benefits. Homeowners have been led to believe that because foreclosure is so devastating to their credit scores than almost anything else is better; however, this is simply a myth, and understanding how credit scores are tallied can help put some financial issues in perspective.

FICO (Fair Isaac Corporation) has identified that there is not much difference between short sales, deeds-in-lieu of foreclosure, or foreclosure on credit scores. When applying for a loan in the future, certain lenders may look more favorably upon a short sale than a foreclosure, but the credit scoring system sees all these defaults as equally bad. Based on the analysis of the information that lenders share with credit bureaus about various forms of mortgage default, they all bear approximately the same weight when determining future risk.

In essence, it is the number of late payments--not the type of default--that affects your credit report dramatically.

Take the First Step; Reach Out to The Dellutri Law Group, PA Today

We know that being sued on debt or facing the threat of foreclosure can be incredibly overwhelming and stressful. But know that you have the option of fighting back! Here at The Dellutri Law Group, PA, we want you to be prepared. Our Florida debt defense attorneys will not hesitate to sue creditors who use dishonest and unlawful practices or debt collectors that are harassing you day and night.

While we have more than 20 years of experience in this arena, and we use this experience to the advantage of our clients, we also know that every case has its own unique set of challenges. You can trust that our team will provide you with the personalized representation and guidance you need and deserve. Make sure to check out our client testimonials and see what everyone is saying.


Additional Resources:

Don’t wait; call us at (800) 391-4337 or submit an online contact form today to get started.

The Dellutri Difference

  • Experience & Passion on Your Side

    Our dedicated team of lawyers, paralegals, assistants, & staff have been fighting on behalf of our clients since 1998.

  • A Culture of Philanthropy

    In order to give back to our community, each employee at our firm is granted the opportunity to sponsor a charitable cause of their choosing.

  • Communication You Can Count On

    We believe that our clients deserve clear and consistent communication every step of the way, without any unnecessary "legalese."

  • Service Tailored to Your Needs

    We sincerely care about each and every one of our clients and refuse to treat them like a case file to be passed from person to person.

  • A Healthy Firm Culture

    When our employees are happy to come to work, we know that they are capable of overcoming any challenge on behalf of our clients.

  • Free Consultations

    ​Explore your legal options with confidence at Dellutri Law Group, where we offer free consultations.

Get a Complimentary Strategy Session

Our firm is singularly focused on our clients and will stop at nothing to fight for the future that they deserve. Let our attorneys fight for your future next.

Meet Your Attorneys

Committed to Making Our Community a Better Place
  • Carmen  Dellutri Photo
    Carmen Dellutri

    Attorney

    If you know Carmen Dellutri, you know he is passionate about a lot of things. He gives back often- to his community, his employees, and his loved ones. Carmen has mentioned time and time again that the reason he became an Attorney, and specifically a Personal Injury and Bankruptcy Attorney, is because he loves to help others.
  • Amanda  Downing Photo
    Amanda Downing

    Attorney

    Amanda Downing doesn’t mince words and says what she means when it comes to the opposing side. She has the biggest heart and will fight tooth and nail to bring justice for her clients. “I hate having to go to bat for those victims, because they never should have been put in that situation to begin with. It’s just completely unfair.”
  • Monica M. Cabrera Photo
    Monica M. Cabrera

    Attorney, Se Habla Español

    Monica M. Cabrera has been practicing law since 2006. Prior to attending law school, she worked as a legal assistant for just under 10 years. In order to provide personal service to her clients, Monica has represented clients from all walks of life and handles all types of cases including Residential & Commerical Real Estate Sales and Purchases, 1031 Exchanges, Refinances, Probate, Wills & Trusts.
  • David  Arens Photo
    David Arens

    Attorney

    Bio coming soon!
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