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Is Your Financial Freedom at Stake?
If you live in Fort Myers or the surrounding area and you are being harassed or have been sued by a debt collector or creditor, you may feel overwhelmed, anxious, and worried. This is quite common and completely understandable. If you have been the victim of endless calls, letters, and perhaps even a court summons, you may be wondering how to even begin responding. If you find yourself in this situation, it is important that you take action immediately. Do not delay and risk jeopardizing your credit, your financial freedom, and your peace of mind. Call David Holland Law today. We are here to help.
Why David Holland Law?
At David Holland Law, we understand debt collection law very well. Of equal importance, we understand the circumstances that can lead to a situation in which you find yourself underwater and unable to pay your debts. Perhaps you took out a credit card or a loan and expected fully that you would be able to make the monthly payments on schedule. Then, as it often does, life happens. Unexpected circumstances arose that have prevented you from making payments. And now, with interest and fees accumulating, you feel that your debt is spiraling out of control. We understand this frustration, and we are here to help you through it.
Debt Collection Defense
It is increasingly common in our society for entities known as “junk debt collectors” to pay pennies on the dollar for outstanding credit card accounts and other debts, and then to come after the debtors for the full amount of the account. When this happens to you, it can be shocking. It can also be quite damaging to your credit if action is not taken quickly.
If a judgment is issued against you in a debt collection case, it could follow you for as many as twenty years and will most certainly negatively affect your credit report for seven years or longer. This can make it very difficult for you to do things like purchase a home or a car, open credit accounts, and obtain loans – just to name a few.
Fortunately, there are several viable defenses available to these sorts of lawsuits. At David Holland law, we have years of experience defending these lawsuits, and we understand the law well. After speaking with you, we will be able to help you craft the best defense in the hopes of securing and protecting your financial freedom for years to come.
Because we understand how easily debt can accumulate before you expect it, we also understand that it is possible that you have been struggling financially for some time now. Maybe you have had an unfortunate medical event, extenuating family circumstances, the loss of a job, or some other life event that has caused you to be unable to keep up with the bills and they continue to pile up endlessly. In fact, your financial situation may be so overwhelming that you are considering filing bankruptcy, but you are unsure how to go about it, whether it is worth it, or what the implications are.
While many are hesitant about the possibility of filing for bankruptcy, this is actually often one of the best solutions to your financial difficulties. While bankruptcy is not for everyone, in certain situations, it can be exactly what you need for a fresh financial start. Call us today to discuss your situation and whether this may be the right situation for you.
Though we focus a significant amount of our practice on debt defense, we realize that this is not the only sort of defense that people might need. We recognize that, in some situations, your stress and concern might be brought about by criminal charges you are facing. If this is the case and you are facing the literal loss of your freedom, we would welcome the opportunity to discuss the charges against you and what we might be able to do to help defend your rights.
Contact Us Today
Whatever difficult situation you may be facing, you do not have to face it alone. At David Holland Law, we are here to listen to you and to help you move forward toward a new beginning and a fresh start. Call us soon to plan a time for your consultation.
At David Holland Law, we are proud to provide sound advice and effective assistance at rates you can afford. We look forward to the opportunity to speak with you and learn about your story. Call us today to schedule your free consultation.