Medical bills, credit card bills, student loans, job loss, bad investments. Many different issues can send our finances spiraling downward and out of control. If you are overwhelmed with debt and wondering about your next steps, call the experienced bankruptcy law firm – the Law Offices of John E. Mufson. We can help you seek the best debt solution in Delray Beach.
Bankruptcy May Be Your Best Debt Solution in Delray Beach
For many people, bankruptcy is the answer to their financial problems. The two most common bankruptcy programs are Chapter 7 and Chapter 13, and both have advantages and disadvantages. We can talk to you and help you decide which one is best for you. Here are the main differences between the two:
- Individuals and business can file
- Known as a liquidation form of bankruptcy
- Most of your property is sold and used to pay back your debts
- Aimed mostly at people with limited incomes who are not able to make minimal payments on their debts.
- It takes about three to five months to discharge the debt
- Individuals only (including sole proprietors) can file
- Known as a reorganization bankruptcy; no liquidation process
- Your property is not sold, and if you successfully complete a court-mandated repayment plan, you may be able to keep your property
- Typically takes about three to five years to discharge a debt
Whatever financial move you’re considering, you’re in the right place. Attorney John Mufson has more than 25 years of experience in providing bankruptcy representation and debt relief services to individuals and small-business owners in Palm Beach County. Our firm has filed more than 2,000 bankruptcy cases in South Florida.
Contact us to see if bankruptcy is the appropriate debt solution in Delray Beach for you. We’ll help you understand your rights and options. Call The Law Offices of John E. Mufson at (561) 272-1003, and make an appointment for a free consultation.
Financial struggles can be quite stressful. Having a mountain of debt and feeling like you can barely chip away at it is difficult. There are many forms of debt, including credit cards, student loans, mortgages, car loans, and more. Debt collector calls do not help. In fact, they add more stress to the overwhelming pile. Did you know that debt collector harassment is against the law? If you are looking for debt solutions in Delray Beach, contact Mufson Law.
How Debt Solution in Delray Beach Can Help with Debt Collector Harassment
There are rules when it comes to the role of the debt collector. Though many are just doing their jobs, there are times when a debt collector can go above and beyond, harassing people with debts. The Fair Debt Collection Practices Act (FDCPA) protects consumers being harassed over the phone and by mail. While debt collectors may identify themselves every time they call, notify, file a lawsuit, or verify the debt, there is an extensive list of things they cannot do.
The FDCPA helps to protect individuals from being called at unreasonable hours. Debt collectors are only allowed to call between 8 am and 9 pm. They are also not allowed to call numerous times. This is considered abuse and can also be considered harassment. If an individual has asked for the calls to stop with a written notice, then the debt collector is not allowed to continue calling.
Additionally, debt collectors cannot use profane language, report false information, seek unrealistic amounts, or deceive the individual. Unfortunately, this is more common than one may think. At Mufson Law, we help residents with debt solutions in Delray Beach. We provide a free evaluation of one’s case, followed by the best possible options. If a debt collector is harassing you, then you deserve a strong and supportive team on your side like Mufson Law. Call us today at (561) 272-1003 to find out more.
In the first quarter of 2018, student loans surpassed $1.5 trillion. Student loans are now the second-largest category of household debt in the United States, trailing only home loans. Student loan debt accounts for more money than owed for credit card debt and auto loans. Skyrocketing student loan debt could lead some young people to search for debt programs in Delray Beach.
How Debt Programs in Delray Beach Can Help Student Loan Borrowers
According to USA Today’s College Factual: the average student loan for borrows is more than $8,000. What makes that figure all the more staggering is than half of all students borrow.
The cost of earning a college degree continues to rise faster than inflation. As students borrow more money to cover the costs, loan defaults are increasing as well. According to Investopedia, 70 percent of college grads have student debt, with an average debt at more than $37,000 at graduation.
For students who are struggling to repay their loans, debt programs are available, and Mufson Law can introduce you to them. Chapter 13 bankruptcy is one of the best options, as it allows you to keep your possessions, but it also helps to stop the interest on your loans from increasing. Additionally, past-due student loan debts can be added into your repayment plan, which can last three to five years. While you still have to repay the debt, you’ll at least be able to say that you are in a stronger position than you had been before.
If you’re facing student loans and are curious about the debt programs in Delray Beach, the professionals at Mufson Law encourage you to reach out immediately. We know that the stress can be overwhelming, but with twenty-five years of experience on your side, you’ll be able to face the future with more hope and optimism. If you struggle with student loan debt, call us today at (561) 272-1003.
Buying a home is a major milestone in life. Many new homeowners are optimistic and excited as they imagine their lives in their new home. However, sometimes life does not go as planned, leaving millions of American’s suffering from foreclosure or falling short of the monthly mortgage payments. It’s crucial that homeowners understand the basics of foreclosure. Like the adage says, knowledge is power, and the same is true for having a professional foreclosure defense attorney in Delray Beach.
If you need a foreclosure attorney in Delray Beach, reach out to the Law Offices of John E. Mufson today!
Approximately seven million people lost their homes during the great recession. In 2015, 4.3 million homeowners had a house that was worth less than what they owed on their mortgages. When this happened, many homeowners assumed that it wasn’t worth it to keep the home. However, the smarter move would be to keep the house until the market increases, and it regains its prior value.
While the housing market has recovered, many homeowners remain at risk of losing their homes and wonder what the best way to handle a foreclosure is.
The most important thing any person can do is to hire a foreclosure defense attorney. Going through the foreclosure process alone is grueling and also, confusing. Hiring a professional will ensure that the options are all laid out in front, and an expert will help to make those decisions. Often, when individuals are in the middle of a crisis, it can be hard to make a good decision that will benefit them in the long-term.
With a foreclosure defense attorney in Delray Beach, this will never be an issue as there is an outside perspective that can see the past, present, and future for precisely what it is. If you’re currently suffering from the possibility of foreclosure, then you’ll want to call the Law Offices of John E. Mufson today. We can help you to assess your options and represent you through to the end. Foreclosure does not mean the end of the world. Instead, think of foreclosure as a fresh start, but be sure to do it the right way. Call us for a free consultation and witness as we help you to turn your life around.
When a person experiences a significant amount of debt, the effects can be frustrating and overwhelming. Millions of Americans find themselves facing mounting debt as they face foreclosure and bankruptcy. It’s important to know that you are not alone, and it is also important to know that there are many debt solutions in Delray Beach to help you get back on your feet, to restart your financial life.
What are the Debt Solutions in Delray Beach?
Assessing all of the options can be a lot, especially because many companies try to give helpful tips. There are simple steps to take that may help in the long run, such as developing a budget, making an expense sheet, and setting aside money each month. However, in some cases that may not be enough, and professional help is needed. If you’re searching for professional support, know that this one step will help to relieve you of most of your stress. Part of what makes debt like a sea is that it’s hard to get a bird’s eye view of your situation.
At the Law Offices of John E. Mufson, we offer a free case evaluation to determine what your possible options are. There is something refreshing about having an outside perspective when you’re going through a difficult situation. With our extensive knowledge and professional team, we can help you get to the bottom of your problem by picking a path and taking action.
If you’re looking at bankruptcy options, don’t despair. There are benefits to filing for bankruptcy. You can resolve your debt and finally be free from collector phone calls. Between Chapter 7 and Chapter 13, we can help you find a solution that will leave you feeling lighter and more optimistic.
If you’re searching for debt solutions in Delray Beach, look no further. The Law Offices of John E. Mufson is available to give you a fresh start, a new look, and a found sense of hope. Don’t struggle with debt alone. Instead, call the team you can trust at (561) 272-1003 and see how today becomes the first day of your new financial life!
Accidents and injuries can happen to anyone at any time. When serious injuries occur, it can leave you with many medical bills that might seem impossible to pay off. If you’re struggling with medical bills and unable to pay them back, you might be getting calls from creditors demanding money. One way to end medical bill harassment in Delray Beach is by filing for bankruptcy.
Call The Law Offices of John E. Mufson to end medical bill harassment in Delray Beach
One way to end medical bill harassment in Delray Beach is by filing for bankruptcy. When there is simply no other way to pay back these debts, bankruptcy could be an option to help you get back on your feet. The Law Offices of John E. Mufson has a team of attorneys who are ready to help. Speaking with one of our attorneys can help you learn your various options of how to reduce or eliminate your medical bills and help you get back on your feet financially.
Can my medical bills be eliminated through bankruptcy?
If you’re struggling with thousands of dollars in medical bills, you might be unable to pay them back. Even with a payment plan, many people are unable to add an extra bill to their expenses. At The Law Offices of John E. Mufson, we offer free consultations to help you learn about your bankruptcy and non-bankruptcy options. Each person’s financial situation is unique and finding the right bankruptcy or debt relief option is important. Our team at The Law Offices of John E. Mufson will ensure you find the best option to reduce and eliminate your debt.
Chapter 7 and chapter 13 bankruptcy are the two most common forms of bankruptcy for individuals looking to file. Chapter 7 is the liquidation form of bankruptcy in which all items need to be sold to pay back your debts. Chapter 13 bankruptcy is different because you set up a three-to-five-year payment plan which at the end the remainder of your debts are forgiven. Finding the right bankruptcy option begins when you call our attorneys at The Law Offices of John E. Mufson.
High medical bills can put anyone in a tough spot financially. If you’re overwhelmed with your medical bills and constantly being harassed by credit collectors, it’s time to speak with an attorney. The Law Offices of John E. Mufson are here to help you find the best debt relief or bankruptcy option for your financial situation. If you are dealing with medical bill harassment in Delray Beach, call our offices today to schedule your free consolation and see how our attorneys can help you.
The thought of potentially losing your home due to foreclosure can be devastating. If you’re struggling financially and unable to pay your mortgage, it’s time to contact a foreclosure defense attorney in Delray Beach. The Law Offices of John E. Mufson has an experienced team of attorneys who can help you find a debt relief solution. Depending on your situation, the best option for you could be filing for bankruptcy. While many people fear bankruptcy, there are times where it can be the best option to help reduce your debt. With a free consultation from our attorneys we’ll help find the best debt relief option for you.
What are my bankruptcy options to help me keep my home?
Chapter 13 is one form of bankruptcy for individuals, but often it isn’t the best way to avoid losing your house to foreclosure. In some cases, chapter 7 bankruptcy could help you keep your home. This form of bankruptcy puts an automatic stay so that all creditor collections must stop, including foreclosure. For those who qualify, chapter 7 bankruptcy could be an option to help keep your home.
There are additional foreclosure defense strategies that do not involve filing for bankruptcy. Learning about these options begins when you hire a good foreclosure defense attorney. Even if you’ve already received a notice that your home is being foreclosed, you might be able to get the help you need to keep your home. At The Law Offices of John E. Mufson our attorneys will go through every possible debt relief and foreclosure defense option so you can climb out of debt. As soon as you become aware that your home might be foreclosed, it’s important to speak with an experienced attorney as quickly as possible.
Schedule your free consultation today.
At The Law Offices of John E. Mufson we can provide you with debt relief options and foreclosure defense strategies to best help you. Each financial situation is unique and finding the best defense will help you avoid foreclosure and keep your home. At The Law Offices of John E. Mufson we can help you fight your way out of debt. Call our foreclosure defense attorney in Delray Beach today to begin your free consultation and see how we can help you.
Even people who are high achievers and make a good income can fall on hard times financially. With our current bankruptcy system there is help even for those who earn a high income. If you’re struggling financially and wondering what to do next, call The Law Offices of John E. Mufson. Our attorneys can help you find a debt solution that works for your high income bankruptcy in Delray Beach. John Mufson has more than 25 years of experience working on bankruptcy law and he has helped people from all income levels file for bankruptcy. Just because you earn a high income doesn’t mean you can’t struggle financially, and if you are struggling, our attorneys can help find a solution.
What are my options for high income bankruptcy?
John Mufson has worked to help many business owners, people who earn high incomes, and people who have large assets. When you receive a free consultation from our team at The Law Offices of John E. Mufson you’ll go through the various options you have for filing high income bankruptcy. Chapter 13 bankruptcy could be an option, but for those with high income it can present some issues. Chapter 11 bankruptcy is another option for individuals with a high income. You may have to file for chapter 11 bankruptcy in the following scenarios:
- You have over $360,475 in unsecured debts.
- You have over $1,081,400 in secured debts.
Unsecured debts can include credit card debt, medical bills, and personal loans. Secured debts include mortgages, auto loans, boat loans, and more. If you find yourself struggling financially there are options for you to get out of debt. Our attorneys at The Law Offices of John E. Mufson can help you find the best debt relief or bankruptcy option for your current financial situation.
Call today to get started.
John Mufson and his team of attorneys have an understanding of the current bankruptcy laws and can help you get out of your financial struggles. During your free consultation Mr. Mufson will develop a plan to best help you obtain maximum debt relief, while also retaining as many of your assets as possible. Anyone can find themselves in debt and sometimes it’s through no fault of your own. If you’re a high income earner but struggling financially, it’s time to learn about your options for high income bankruptcy in Delray Beach. Call The Law Offices of John E. Mufson today to learn more about how Mr. Mufson and his team can help you.
Many Americans find themselves with unmanageable debt and are looking for ways to find debt relief. Some people fear filing for bankruptcy so they look for other ways to reduce or eliminate their debts. In many cases, filing for bankruptcy can be the best option depending on your current financial situation. If you’re looking for debt programs in Delray Beach, contact The Law Offices of John E. Mufson today. John Mufson and his team can help you find a debt program or bankruptcy option that works for you.
Learn the truths about debt programs in Delray Beach
If you’re struggling with large amounts of debt it’s time to learn about your options and what might be best for you. Debt workouts and debt programs are typically used by large businesses or corporations to restructure their finances and take care of their debts. Often times, a debt program isn’t the best option for an individual or small business owner. With debt workout schemes and other programs there can be some unpleasant realities including:
- You are taxed on the amount of debt that is forgiven.
- Your credit score doesn’t improve during the workout period.
- During the workout period a creditor can still file a creditor lawsuit.
For many individuals and small business owners filing for bankruptcy can be the best option to get rid of your debts. When you work with a good bankruptcy attorney you’ll learn the benefits of filing for bankruptcy and if it’s truly the best option for you. John Mufson and his team are experienced working to find their clients the best debt relief and bankruptcy options to help you get a fresh start financially. Chapter 7 bankruptcy is one option, which allows you to completely discharge unsecured debts. Chapter 13 is the other option for individuals, which will forgive unsecure debts after your repayment period is complete.
Find your best debt relief option today
If you’re struggling with debt it’s time to call The Law Office of John E. Mufson. John Mufson and his team will work with you to find the right debt relief option for you, whether that’s filing for bankruptcy or finding a debt program that works for you. Often times filing for bankruptcy is the best option for an individual. Schedule your free consultation with John Mufson today by calling (561) 272-1003.
If you’re struggling with debt it’s important see what options are available to you. For many people, when they hear the word bankruptcy they immediately think it’s the last option they should choose. There are some situations where filing for bankruptcy may be a good option to help eliminate debt and start fresh. Speaking to a bankruptcy lawyer in Delray Beach can help you learn the options available for you. The Law Offices of John E. Mufson can help you find a debt solution that works for you. There are many debt programs that promise to help reduce or eliminate debt but end up being a scam leaving you in more debt or a worse financial situation. Our attorneys can help you find a debt solution that actually works for you.
What are the advantages of filing for bankruptcy?
It can tough to save money and easy to find yourself in a lot of debt. Medical bills, student loans, and home repairs are a few ways you can find yourself in large amounts of debt. If you’re struggling to pay your bills and wondering about your debt relief options call The Law Offices of John E. Mufson today. Our attorneys will help you determine if bankruptcy is a good option for you. Other options could include loan modification and debt consolidation. When it comes to bankruptcy, there are many advantages including:
- Creditors are forced to accept the terms of bankruptcy.
- You are not subject to taxation for discharged debts.
- Your unsecured debts are eliminated.
- Protection from wage garnishment, repossession, and foreclosure.
- You can immediately begin working to improve your credit.
If you receive harassing calls from debt collectors they are forced to stop calling immediately when you file for bankruptcy. The Law Offices of John E. Mufson has a team of attorneys who can help you find a debt solution for your situation. Chapter 7 and chapter 13 are common forms of bankruptcy for individuals looking to file. The type of bankruptcy or debt solution you choose depends on the type of debt you’re in and how much debt you have.
Are you ready to get out of debt and get a fresh start on your finances? The Law Offices of John E. Mufson can help you find the right bankruptcy or debt solution for your current financial situation. John Mufson and his team have years of experience and can help you understand the different options you have and which might work best for you. Contact The Law Offices of John E. Mufson today to schedule your consultation.