We are a debt collection defense law firm with an office in Orlando, Florida. Our law firm is dedicated to the fighting for protection of consumers against abusive, unfair and illegal collection practices by a bill collector, collection attorney and other creditor. Debt Collection Defense Attorney Jim Turner has over 40 years of experience in legal matters and has represented many consumers in the Central Florida Area that have been very satisfied with his services. Please go to our Google My Business Page to see his excellent reviews.
If you have been sued on a debt or have other legal problems related to a debt that you may owe, you have found the right place. We offer free consultations by phone, text or Zoom. Our toll free number is 888-877-5103. In a brief consultation, we can determine if we can help you and tell you how much our services will cost. Our consultation is free. So call us. We encourage you to “shop around”.
We are a debt settlement law firm that can help consumers who are in need of help with existing debts. We will contact your creditors and can usually negotiate to on your behalf to stop or waive late fees and other penalties. Once you retain our services, your creditors will no longer be able to contact you. We may also be able to assist you in removing unwanted negative aspects of your credit reports.
As part of our debt settlement services, we also may be able to reduce your credit card debt, as well as helping you to pay off your debt over a manageable period of time. Through a robust Debt settlement strategy, the consumer can negotiate their monthly credit card bills and transform that debt into something they can better afford. Through debt settlement, you may be able to avoid bankruptcy. In some cases, creditors may be willing to accept less than the total amount. Debt settlement through an attorney is significantly different than credit counseling. If you intend on settling with a creditor, it is to your advantage to ensure that a debt settlement attorney removes any negative listings from your credit.
A Chapter 7 bankruptcy can be seen as a “silver bullet” for those having overwhelming unsecured debts. However, in many cases, bankruptcy may not be necessary with the services of an experienced debt settlement attorney. If you can avoid bankruptcy, you should do so. A bankruptcy will have a negative impact on your credit and will remain on your credit for 10 years. In addition, after filing for bankruptcy, it will be very difficult for you to borrow again.
If you’re contacted by a debt collector, you have a right under debt collection laws to dispute the debt either verbally or in writing. If you want to preserve some rights under the FDCPA, you must send a written dispute within 30 days of your receipt of the first “validation notice” from the debt collector. Even if you owe the debt, or you cannot pay, you still have rights under the FDCPA. Most of our clients owe the debt being collected but because of financial circumstances, or a dispute over the goods or services, they cannot pay it. In order to preserve your rights under the law, it’s important for you to keep good records of all of the contacts.
Debt Collection Defense Attorney, N. James Turner provides legal services for Debt Collector Harassment, Debt Collection Defense, and other Consumer Rights matters.