Debt/Credit Card Settlement                                (561) 676-4049

Debt Management Plan

Negotiated Settlement

If you have $10,000 credit card debt with two or more creditors and steady employment, but your monthly payments exceed your monthly disposable income, all is not lost.  You may still be able to reach a settlement with your creditors (Negotiated Settlement) that will allow you to pay off your credit cards and avoid bankruptcy.  The sooner you hire a lawyer, the more likely you are to settle your debts for less than the full balance owed.  If you think that your creditors won't come after you for the money you owe, think again.  Creditors have up to twenty (20) years to collect on a money judgment, including interest and attorney's fees.  They may be monitoring your assets at this very moment. They may be waiting for you to let your guard down so they can execute a writ of garnishment or record a lien.  Don't leave it to chance.  Contact the Tribuiani Law Firm and have Robert W. Tribuiani, an attorney at law, negotiate with your creditors to reach a settlement of your debts, so you can be completely out of debt, once and for all.

Protection from Creditors

The state of Florida provides extensive protection to debtors that reside within the state.  Whether you are falling behind on your credit card payments, or have already defaulted on your payments, or discovered that your creditor has been awarded a money judgment against you, it is important to know that you have legal rights.  If you don't know your rights, you are likely to lose them.  Don't leave it to chance.  Seek the counsel of an attorney to learn your rights as a debtor.

If your primary residence is in Florida, and that residence qualifies as your homestead, your unsecured creditors are prevented from taking that residence as settlement for unpaid debts, depending on your specific circumstances. 

Likewise, if you, as a Florida resident, hire an attorney to represent you in negotiations with your creditors, those creditors are no longer allowed to contact you directly, depending on your circumstances.  Furthermore, under federal law, the collection agents who are hired by your creditors are not allowed to contact you directly.

When a creditor seeks to place a writ of garnishment on a debtor's bank account, the debtor has the right to "block" or dissolve that writ to the extent that the account consists of social security benefits, retirement or profit sharing benefits, pension money, and /or annuities.  But, if the debtor does not legally assert his or her right in accordance with Florida law, the creditor may end up collecting money to which the creditor is not otherwise entitled, and may do so without opposition.