Author: John Mufson

Tired of Living with Debt? Discover Debt Solution in Delray Beach

Posted on by John Mufson

Are you living with debt? Have you been doing so for most of your life? Do you want to leave this lifestyle behind? If you have answered “yes” to all these questions, especially the latter, then we can help. In fact, we want to help! The Law Office of John E. Mufson has been aiding individuals in getting rid of their debts once and for all. Nobody wants to carry such a heavy burden, especially if you don’t have to. Come in for a consultation and we’ll discuss a responsible and effective debt solution in Delray Beach.

Speak with Professionals about Debt Solution in Delray Beach

Navigating the financial world can be challenging, and at times quite confusing. Especially if it has nothing to do with your day job, and you lack the tools and resources to drastically change your upsetting financial situation. Thankfully, finances and helping people put away their financial nightmares are our expertise at The Law Office of John E. Mufson. We have been coming to the aid of clients for 25 years and advocate for those who may not know how to resolve debt issues for themselves. Providing bankruptcy representation and debt solution in Delray Beach to individuals and small business owners has been our mission and one that we’ve gladly taken on.

A great portion of the work we do at The Law Office of John E. Mufson has to do with representing consumer debtors and businesses who file under Chapter 7 or Chapter 13 of the bankruptcy code. We also assist those who need workouts with creditors, mortgage foreclosures and credit card lawsuits filed by creditors. We lend our undivided attention to each case, listening carefully to our clients’ concerns, developing a strategy specifically tailored to their unique circumstances. With great expertise and experience in such matters, it’s no surprise that our clients keep recommending us to others who are struggling with debt and need a way out, through either debt solution in Delray Beach or another approach better suited to their situation.

Review a Debt Solution Strategy in Delray Beach

The idea behind most debt solution methods in Delray Beach is to negotiate a deal with your creditors to reduce the amount of money owed, reduce the interest rate, extend a loan period, or at times a combination of these. Such objectives can be met through various debt solution plans. It is important that you commit to one that will ultimately work for you and your individual concerns. Luckily for you, that’s exactly what we can do for you at The Law Office of John E. Mufson. We can set you up with the best debt solution plan in Delray Beach so you can embrace a new life free of debt! Call us today at (561) 272-1003 and schedule an initial free consultation to talk about your options!

What is Debt Consolidation?

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Debt consolidation is essentially when multiple debts are rolled over into a single one with a lower payment. One could use either a personal loan or a credit card to consolidate debt. If you’re unfamiliar with the idea of debt consolidation, you may want to see how it works, when it’s a good idea, and determine in which cases it is a bad idea. Equally important, you’ll want to find out who is the best team to consult when considering debt consolidation. Luckily for you, we’re here to tell you that The Law Office of John E. Mufson is exactly who you will want to seek counsel from at times like these. We can provide you with useful information about the various consolidation programs in Delray Beach and more.

How Does Debt Consolidation Work?

Before you commit yourself to any sort of debt solution method, it’s imperative that you are well informed about precisely how it works and if it will benefit or affect you, depending on your unique circumstances. To understand how debt consolidation works, let’s break down the process. According to industry experts, there are two main ways to consolidate debt, and both concentrate your debt payments into one monthly bill. The first option has a 0% interest, balance-transfer credit card: transfer all your debts onto this card and pay the full balance during the promotional period. You can also opt for the second option, which is a fixed-rate debt consolidation loan: you can use the loan to pay off your debt, then pay back the loan installments over a set term. Besides these two methods, there is the home equity loan and the 401(k) loan, which tend to be riskier choices since they could affect your home or retirement. Ultimately, the best way forward will depend on your credit score and profile, and other relevant details. Whatever option you consider, speaking with a professional about consolidation programs in Delray Beach is the best way to get started.

Is Debt Consolidation Good for You?

The answer to this question will be highly dependent on your situation. Debt consolidation is considered the best approach if you, for instance appear like a suitable candidate for a 0% credit card or low interest debt consolidation loan, if you have secure and frequent income to cover the payments toward the debt, and if the total of your debt, taking out your mortgage, doesn’t go over 40% of your income. Of course, every case will be different, but these are some of the key points you’ll want to look out before fully committing to debt consolidation.

For those who are overwhelmed by debt and think they will not be able to pay it off even with reduced payments, then debt consolidation may not be your best option. If you have a small debt load, then you may be better off by paying your debt in increments over a period of six months to a year. If the totality of your debts goes over half of your income, then you may need to seek debt relief instead. In any case, scheduling a consultation with a specialist in the matter is the best thing you can do for yourself. Call The Law Office of John E. Mufson at (561) 272-1003 and we’ll discuss the best consolidation programs for you!

Looking for the Best Debt Programs in Delray Beach?

Posted on by John Mufson

You are in debt. Frightened about your financial condition and desperate for answers, you’re searching for debt programs that can help you somehow regain your stability. Let us just tell you that you’re not the only one facing this kind of hardship. Many people today are in debt and they, just like you, are constantly looking for new and safe solutions to eradicate their debt and balance their status once and for all. In these circumstances, the best thing you can do is consult a specialist in the matter. You are already dealing with a less than comfortable scenario, the last thing you want to do is get yourself into another predicament. With the expertise and experience of the team at The Law Office of John E. Mufson, that won’t ever be the case. We will set you up with the best debt programs in Delray Beach, finally giving you the fresh start you need.

Actions, Not Promises with Our Debt Programs in Delray Beach

The worst thing you can do, if you’re currently struggling with debt, is to ignore the problem. Problems don’t need to be ignored, they need to be dealt with and resolved. What’s important is that whatever solution you’re considering is safe and eliminates the issue at the root. At The Law Office of John E. Mufson, we are used to working with clients who may have tried every possible resolution but have sadly not been able to put a definitive end to this challenge. The truth is that many haven’t filed for bankruptcy because they are afraid of the bankruptcy system, and have therefore decided to invest in other debt relief options such as loan modifications, debt consolidations, and more. Such measures, however, often achieve zero results and can leave the individual in worse financial shape. Don’t waste your time with these debt workout schemes, when you can consult a professional and get actual help.

Protect Your Assets with Our Debt Programs in Delray Beach

At The Law Office of John E. Mufson, we are experts at helping you resolve your debts while keeping your assets intact. In fact, we use the bankruptcy system to protect the rights of our clients and avoid repossession, foreclosure, and creditor lawsuits. During a free initial consultation, Mr. Mufson will review your situation thoroughly and advise you about the best ways to proceed in your particular case.

Contact Us to View the Various Debt Programs in Delray Beach

Debt isn’t something you should take lightly. However, you don’t have to worry if you act soon. Speaking with a known professional in the matter is the best thing you can do to secure your present and your future. Find the relief that you need today by calling the team at The Law Office of John E. Mufson at (561) 272-1003 and schedule your first appointment with our leading expert to discuss the best debt programs in Delray Beach.

Can a Foreclosure Defense Attorney Help Me?

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If you are facing a possible foreclosure or worry that your home may be foreclosed on, you need to speak with an attorney right away. A good foreclosure defense attorney in Delray Beach can help figure out the options you have and help you avoid your home being foreclosed on. The Law Offices of John E. Mufson has a team of attorneys who can help you if you’re looking for a foreclosure defense attorney in Delray Beach. Many people struggle with their finances and if you find yourself in a position where your home is being foreclosed or you fear foreclosure is coming soon, it’s time to speak with an attorney and see how we can help.  

Foreclosure is scary to think about and nobody wants it to happen to them. It can be a very stressful and overwhelming to think about the possibility of losing your home. If you’re about to be foreclosed on the best thing to do is speak with a foreclosure defense attorney. Our team at The Law Offices of John E. Mufson can help you find the best solution to help keep your home and avoid foreclosure. We offer free case evaluations and will work in your best interest so you can keep your home.  

There are a few options when it comes to avoiding foreclosure and speaking with an attorney will give you the best chance at staying in your home. Chapter 7 bankruptcy is one option for you if you’re facing foreclosure. When you file for chapter 7 bankruptcy an automatic stay will be set in place which will stop all creditor actions. Chapter 13 is another form of bankruptcy that you may be able to file for, but it won’t guarantee that you can keep your home and avoid foreclosure. Each circumstance is different, which is why speaking with a knowledgeable bankruptcy defense attorney is important.   

If you fear foreclosure is close it can be a scary and worrisome time. You may not know what you should do next to try and avoid foreclosure and keep your home. At The Law Offices of John E. Mufson we have a team of foreclosure defense attorneys who will work to help you find a solution. Even if your home is in the foreclosure process you may be able to find a solution that allows you to keep your home. To learn more about the services we offer and how we can help you contact our team at The Law Offices of John E. Mufson today.

Should I File for Chapter 7 Bankruptcy?

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Bankruptcy is a word that many people don’t like to hear, and they don’t think it’s a good option for them. For those who are struggling with debt, bankruptcy could be an option for you. Depending on the amount of debt you have and the type of debt, filing for bankruptcy could provide you with the debt relief you need and allow you to start fresh. Chapter 7 is one form of bankruptcy for individuals, and if you’re thinking about filing talking to a chapter 7 bankruptcy lawyer can help you. At The Law Offices of John E. Mufson, we have a team of attorneys who can help you find the best relief option so you can get rid of your debt.

WHAT IS CHAPTER 7 BANKRUPTCY?

Chapter 7 bankruptcy is the liquidation form on bankruptcy. In this form of bankruptcy all items will need to be sold in order to pay back debt. If there is other debt left over, it will be erased and you’re able to start fresh. Chapter 7 bankruptcy can put an end to collection attempts, and if your home is in foreclosure an immediate hold will be placed on the process.  

Chapter 7 bankruptcy is typically for those who are unable to make even the minimum payment on their bills and debts. Individuals who qualify will be able to see harassing credit collections calls end, and will be able to eliminate the debts that they have piled up. With the help from our team at The Law Offices of John E. Mufson you can see if you’re eligible to apply for chapter 7 bankruptcy. Even if you aren’t eligible, our attorneys will work to help you find the best debt relief option available.  

Many people struggle with debt and getting out of debt can be difficult. If you find yourself buried in debt it’s time to speak with our chapter 7 bankruptcy lawyer in Delray Beach. At The Law Offices of John E. Mufson we have a team of attorneys who can help you. Whether you file for chapter 7 bankruptcy or find another debt relief option that better fits your financial situation, our team at The Law Offices of John E. Mufson wants to make sure you’re able to get the debt relief you need. To learn more about the different options that may be available to you contact our team at The Law Offices of John E. Mufson today.

Should I File for High Income Bankruptcy in Delray Beach?

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Even if you have a good job and make good money, you could still find yourself in a bad position financially. Many people find themselves unable to pay their bills, no matter the income level. If you’re struggling with debt and can’t pay your bills, high income bankruptcy could be an option for you. At The Law Offices of John E. Mufson, our attorneys can help determine the best course of action for you. Each individual is in a different situation financially and working with our Delray Beach bankruptcy attorneys can help decide what you should do to help your current financial situation.  

WHAT FORM OF BANKRUPTCY IS BEST FOR ME?

If you earn a high wage, you could still file for bankruptcy depending on your situation. There are many people who make good money but make bad decisions financially and find themselves buried in debt. Other times, it could be due to a medical emergency or accident that causes you to have debt that you’re unable to pay back. John Mufson and his team of attorneys will work with you to help find what is the best option for you. With the different forms of bankruptcy, you need to work with an attorney to find what solution can help you get out of debt. Chapter 11 and chapter 13 are two options when it comes to filing for high income bankruptcy in Delray Beach. With a free consultation from The Law Offices of John E. Mufson, you’ll be on your way towards eliminating your debts and getting a fresh start financially.  

When it comes to bankruptcy there can be a lot that isn’t the easiest to understand. That’s why working with a bankruptcy attorney can help you find the best solution for you. Many people can find themselves drowning in debt because they’ve made some bad decisions in the past. You don’t have to continue suffering from those mistakes, and high income bankruptcy could be a solution to help you start fresh.  

John Mufson has over 25 years of experience working as a bankruptcy attorney in Delray Beach. With the help from Mr. Mufson and his attorneys you can eliminate your debts and work towards a fresh start financially. The Law Offices of John E. Mufson can help see if filing for high income bankruptcy is the best option for you. We all have different financial situations, and working with our attorneys can help find the best bankruptcy solution for you.

Medical Bill Harassment Delray Beach

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It’s no mystery that though America’s health care excels in quality of care, the prices for procedures and services can be astronomical. When you’ve been footed with a major medical bill, you may not know where to turn for solutions. Hospital stays, surgeries, tests and other costly procedures can result in medical bills way beyond your payment abilities or income. When you’re having trouble paying, you may face medical bill harassment in Delray Beach. At Law Offices of John E. Mufson, we know that medical bill harassment can be incredibly stressful to face. But, we’re here to help you find your best debt solution in Delray Beach. 

Bankruptcy is one popular path out from medical bill debts and harassment. The moment you begin the bankruptcy process an automatic stay puts an end to your medical bill harassment in Delray Beach. Creditors cannot call you, nor can they take collections actions against you as you work towards a permanent solution through bankruptcy. Our attorneys at Law Offices of John E. Mufson can help you choose the best type of bankruptcy for your medical bills and other debts. 

Chapter 7 bankruptcy is a popular debt solution in Delray Beach. With Chapter 7 bankruptcy, you can work towards entirely removing many debts such as credit card bills and medical bills as well. Our team at Law Offices of John E. Mufson can help work for your best interests, removing as many unsecured debts as possible. In exchange, the bankruptcy court asks for forfeiture of nonexempt assets to recoup some creditor loss. But not to worry, our attorneys understand this process and we can work to help protect vital assets such as your home, your car, and your retirement savings as well. 

Our team at Law Offices of John E. Mufson can also help you work through Chapter 13 bankruptcy. This is another debt solution in Delray Beach that takes a different approach to medical bills and other debts. Instead of removing debts and exchanging assets, unsecured debts are instead restructured into lower payments. In some cases, we can fight to have some debts removed as others are paid back. 

If you’re facing medical bill harassment in Delray Beach, it’s time to see how our team at Law Offices of John E. Mufson can help. We’re here to help with the bankruptcy process, working to push medical bills and other overwhelming debts out of the picture. If you’re looking to end medical bill harassment in Delray Beach, it’s time to connect with our team at Law Offices of John E. Mufson. Call (561) 272-1003 to schedule your free consultation.

Need to Find a Debt Solution in Delray Beach?

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When the credit cards in your wallet are maxed out and your cash is emptied out, chances are you’re feeling pretty stressed out. At The Law Offices of John E. Mufson, we get it. We know that overwhelming debt can be absolutely devastating. But, there’s no reason you need to put up with creditor harassment and the constant stresses of major debt. That’s because there are many options for navigating out of the rough waters of overwhelming debt. If you’re looking for a real debt solution in Delray Beach, it’s important to find the right help. Our team at The Law Offices of John E. Mufson are here to help you find real and effective solutions to the debt you’re facing.

When you’re facing debt, anything that gets you back into good financial standing sounds like a good idea. But, you need to find the best solutions for your situation. Don’t trust just any consolidation program in Delray Beach. Many programs only offer minimal help while charging you high prices. That won’t fix your money and debt issues. If you’re looking for a real debt solution in Delray Beach, it’s time to see how our team at The Law Offices of John E. Mufson can help.

When it comes to kicking debt to the curb, bankruptcy is the most popular solution. That’s because bankruptcy is one of the only debt solutions that goes through true legal avenues and effective creditor negotiation. If you’re really going to get out of debt for good, you need a debt solution in Delray Beach that’s a long-term fix rather than a temporary bandage.

At The Law Offices of John E. Mufson, we work with two types of personal bankruptcy-Chapter 13 and Chapter 7. In a way, Chapter 13 is its own debt consolidation program in Delray Beach. That’s because through Chapter 13 bankruptcy, may debts are restructured into payment plans that are tailored to your specific financial abilities. Essentially, our attorneys meet with representatives for your creditors, and we work our hardest to get you the best debt repayment plans possible.

We can also assist with another debt solution in Delray Beach-Chapter 7 bankruptcy. With this approach to debt relief, unsecured debts are totally removed in exchange for sale of nonexempt assets. We’ll work to defend your best interests during Chapter 7 and Chapter 13 bankruptcy. If you’re ready to leave debt behind, it’s time to see how our team at The Law Offices of John E. Mufson can help. Call (561) 272-1003 for your no cost consultation.

Struggling with Student Loan Harassment in Delray Beach, FL?

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Is Bankruptcy an Option to Eliminate my Student Loan Debt in Delray Beach?

Many people who go to college find themselves with thousands of dollars worth of student loans once they graduate. Even if you get a job right away in the field you studied, it can be difficult to make these monthly payments on your loans. This can lead to falling into other debts, such as credit card debt or personal loan debt. If you’re struggling with your student loans and constantly facing student loan harassment in Delray Beach now is the time to contact The Law Offices of John E. Mufson. John Mufson and his team can help you find the right debt solution so you can begin lowering your debts.  

While bankruptcy doesn’t forgive student loan debt, it’s still an option for many people who are struggling with student loan debt. If you have significant student loan debt you might also be struggling with other debts, some of which could be forgivable through bankruptcy. If you’re tired of student loan harassment it’s time to speak with our attorneys and learn about your options. We can help you find a debt solution to help with your unmanageable debt situation in Delray Beach.  

At The Law Offices of John E. Mufson we offer free consultations and will sit down with you to take a look at your current financial situation. Many people who find themselves with student loan debt also have other forms of debt, from personal loans and auto loans to credit card debt and more. Chapter 13 bankruptcy could be an option for you if you have too much student loan debt. This form of bankruptcy will put an automatic stay on repossession, foreclosure, and wage garnishment. If also stops student loan interest from accumulating, while rolling in past due payments into a new payment plan.  

If you’re struggling with thousands of dollars in student loan debt that you simply can’t make the payments on it’s time to call The Law Offices of John E. Mufson. Bankruptcy could be an option for you and our attorneys will help you find a debt relief plan that fits your financial situation. John Mufson and his team have the experience and expertise to help you find a debt relief plan in Delray Beach. Call our office today at (561) 272–1003 to schedule a free consultation and learn about your options to end student loan harassment in Delray Beach. 

Declaring High Income Bankruptcy in Delray Beach, FL

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Am I Eligible to File for High Income Bankruptcy in Delray Beach?

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.  

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.  

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 at (561) 272–1003 to learn more about how Mr. Mufson and his team can help you.