When Should I Call a Car Accident Lawyer in Delray Beach?

In South Florida, where the weather is pretty much always mild, it’s not uncommon to see many different kinds of vehicles out on the roads. It’s not uncommon to find Delray Beach hopping with pedestrians walking and cars all cruising around on a warm sunny day. With so many cars on the road and people walking around especially downtown Delray Beach during tourist season, a car accident can easily happen when you are least expecting it. Distracted drivers and road obstructions can also lead to a crash. If you’ve been injured in a car accident, it’s time to call the attorneys at The Law Offices of John E. Mufson. There is no time to waste. We are experienced car accident lawyers in Delray Beach that will give your case the attention it deserves. We suggest consulting an attorney immediately following your accident. One of the most important things to do besides calling us is not to sign anything before we’ve had a chance to review it.  

What are the Common Causes of Car Accidents?  

•Distracted driver – Texting and pedestrian gazing or even talking on the phone may lead to a car accident. Also, a much larger vehicle can miss seeing a smaller vehicle or a motorcycle.  

•Driving Under the Influence – its 2020 and people still can’t head the simple advice of not drinking and driving. No one should drive intoxicated; it can lead to multiple cars, truck and motorcycle accidents.  

•Not following the rules – Winding in and out of lanes or not stopping at stop signs can cause crashes. An inability to follow the rules of the road will end in an accident more times than not.  

•Not servicing your vehicle – Cars, trucks, and motorcycles should be checked annually for routine maintenance issues like oil changes, tire rotation, and brake checks. Failure to do so may mean your life or another motorist’s life.  

If you or your loved one has been in a car, truck or motorcycle accident, call the experienced car accident lawyers at The Law Offices of John E. Mufson in Delray Beach so that we can start to build your case. It’s not always easy to prove a car accident claim, especially if you or the other motorist is uninsured. However, there are some things we can do right away to help build your case such as:  

•Get Photographs of the scene  

•Gather witness statements, if any  

•Obtain Police Reports   

•Investigate the other motorists driving history  

•Review Medical Records  

•Recreate or reconstruct the accident scene  

•Consult with experts  

•Deal with the insurance companies on your behalf  

At The Law Offices of John E. Mufson, we understand that each car accident case is unique, so it’s crucial to schedule a personalized consultation with one of our car accident lawyers in Delray Beach. We can help assess your case and go over all of your options. We can assist with your car, truck or motorcycle accident case. When your accident is clearly caused by the negligence of another, you want to do everything in your power to hold that party accountable for their actions. We offer a free consultation and you can reach us in Delray Beach at (561) 272-1003. 

What to Expect from a Premises Liability Lawyer in Delray Beach

When you need a premises liability lawyer in Delray Beach, chances are you’re wondering what to expect. You’re not alone, especially if it’s your first time dealing with such a case. At The Law Offices of John F. Mufson, we’ve seen plenty of personal injury cases and premises liability cases. It’s common for newcomers to wonder what we can do for them. It’s also common for people to wonder if they need a liability lawyer. The short answer is yes. Keep reading to learn why!   

What Makes a Premises Liability Lawyer in Delray Beach Worth It?   

What you can expect from a premises liability lawyer and why they’re useful are similar questions. The biggest advantage of hiring a lawyer is that you can save yourself time. When you’re facing a personal injury case, the last thing you’ll want to do is fight large companies and their insurance companies. You deserve to rest in peace while allowing the professionals to handle the details of your case. Another major reason people hire a lawyer is that they’re looking for their maximum settlement amount. Large companies, such as malls and grocery stores, will often push to settle at low amounts when individuals don’t have a lawyer on their side. This is dangerous because your injuries could cost you thousands of dollars.   

What people often don’t think about is that injuries are more than medical bills. You’ll miss work, and your loved ones might face the pressure of taking on the financial burden. Additionally, you can sue for emotional distress, therapy, and of course, the piling medical bills. With all of this in mind, it’s best to go for the maximum settlement. You also don’t know how long you’ll need assistance, or how long you’ll need to be off work. Having a professional lawyer on your side will ensure that you’re being paid appropriately, and they’ll fight on your behalf against those larger businesses.   

When you find yourself in need of a lawyer, there are a few initial steps that you can expect. First, they’ll consult with you about your case. If they feel that you do, in fact, have a case, then they’ll fight for you. They’ll start gathering the facts, witness statements, and so much more. Then, they’ll start preparing a case that will be hard to deny. A lawyer will be there to answer any questions for you, every step of the way. They’ll also be there to ensure that you’re updated as things progress. Knowing that you can focus on healing, while simultaneously having a trustworthy firm handling your case brings significant peace of mind during a challenging time.   

If you’re currently in need of a premises liability lawyer in Delray Beach, you’re in the right place. At The Law Offices of John F. Mufson, we’re here to help when you need assistance the most. We have multiple years of experience, and the practice necessary to be called a seasoned expert. When you work with our team, you’re treated with compassion and genuine care. When you’re in trouble, we’re the firm to make your life easier. Rest at ease knowing that our team has your back. Contact us today at 561-272-1003. We’re here to exceed your expectations, and give you what you rightfully deserve.   

What Qualifies as a Slip and Fall Case from Personal Injury Lawyers in Delray Beach

When a person endures a slip and fall accident, they might not even be aware that this incident is worthy of pressing charges. Often, slip and fall cases happen in public places. These public places include grocery stores, malls, business sidewalks, parking lots, and more. Slip and fall incidents can be exactly as it sounds, but others may be more obscure. At The Law Offices of John E. Mufson, we’ll walk you through what scenarios call for professional slip and fall injury lawyers in Delray Beach. Keep reading to learn more!   

Grocery Store Isles: Incidents Worthy of Calling Slip and Fall Injury Lawyers in Delray Beach   

Have you ever been in a grocery store, and you’ve noticed that there’s a large, wet floor sign in an isle? This indicates that someone has spilled a liquid or a food item. Alternatively, it can indicate that someone has recently washed the floors. Whatever the case may be, it’s kindly telling you that you’re at risk. However, there are times where there isn’t a wet floor sign, either because the spill was fresh, or someone was negligent. Either way, not having a wet floor sign can lead to slipping and falling, which can then resort to injuries. If you’ve recently been a victim of a slip and fall case, don’t brush off the issue!   

Icey Business Sidewalks   

While it’s not common in Florida, there are cases in the North where people will be walking from their car to the business, and they slip and fall. While Mother Nature is hard to predict, businesses need to be aware of the latest weather patterns. Whether snow, hurricanes, or other natural disasters, businesses should ensure that their entrances are safe and secure for guests to move with ease.   

Loose Railings   

Have you ever leaned on a railing lightly, only to realize that the railing was a bit wobbly? Instinctively, this would mean that you would immediately stop leaning. However, there are times where someone puts their full weight onto the railing. Perhaps they’ve tripped and leaned on the railing for assistance, or perhaps it’s an older individual who puts all of their weight on the piece to stabilize them. Whatever the case may be, the worst is when the railing gives way. Hopefully, the fall is short. However, this is not always the case.   

Maintenance Issues   

Last, but not least, a slip and fall case can be caused by poor maintenance. This includes unsteady handicap ramps and loose pieces of carpet or tile. A person could easily trip, causing severe injuries that can take weeks, months, or even years to heal. It’s not the person’s fault for tripping, but rather, the blame falls on the negligence of the company.   

As you can see, there are plenty of examples of slip and fall cases. Some individuals that sustain seemingly minor issues might shake off the need for a case, but at The Law Offices of John E. Mufson, we can tell you that this isn’t always the best idea. There may be deeper issues that arise later. You’ll want to hire professional slip and fall injury lawyers in Delray Beach as soon as possible to help you organize. If you’ve recently been a victim of a slip and fall case, contact the seasoned experts today at 561-272-1003.

Tips on Staying Positive After an Accident from Personal Injury Lawyers in Delray Beach

It’s everyone’s worst nightmare to imagine that they’d be involved in a personal injury accident. Unfortunately, life is not selective when it comes to handing out issues to deal with. Sometimes, personal injury incidents leave a person feeling lost, uncertain, and depressed. Injuries that occur can leave a person unable to work for weeks or even months. In order to stay upbeat and positive, the professional personal injury lawyers in Delray Beach from The Law Offices of John E. Mufson are here to give a few applicable and practical tips. Keep reading to learn more!   

1.Embrace the Change   

Personal injury cases can leave injuries that last a lifetime, or a few weeks. Whatever the case may be, those involved must learn to cope with the changes. Being more accepting of what has happened makes the events less painful. In fact, studies show that those who remain positive during injuries are more likely to heal. Additionally, they’re able to heal quicker! Don’t let your accident get you down. Instead, take time to work on acceptance, and rest at ease knowing that personal injury lawyers are working to get you the compensation you rightfully deserve.   

2.Incorporate Exercise   

While it seems impossible that one can exercise while injured, you might be surprised! There are plenty of restorative practices that not only help the healing process but also increase positive brain chemicals. This increase in chemicals also accelerates cellular response. Not only does working out with activities such as physical therapy, walking, and swimming keeps you rejuvenated, but it will also keep you happier in a challenging time.   

3.Use the Downtime Wisely   

Last, but not least, use your downtime wisely if you can. Perhaps there’s a new business venture you’ve been looking to build, or maybe you need some time to sort through your taxes at the beginning of the New Year. Take advantage of having time to call loved ones, or to have friends visit. Of course, you won’t be feeling 100%, but you can use your time off of work to strengthen other areas of your life while healing.   

At The Law Offices of John E. Mufson, our personal injury lawyers in Delray Beach are here to assist when situations are tough. Being involved in a personal injury case is the last thing you wanted, and you shouldn’t have to go through this process alone. Instead, contact our team today at 561-272-1003 and see how we can work together. We’ll be by your side, every step of the way. With our lawyers on your side, you can focus on healing. You can focus on your loved ones. You can focus on regaining your strength so that you’re ready to take on the world when you’re better. Don’t let another moment pass you by. Now’s the time to call Mufson Law. Let us help you get your life back.   

A Dedicated Personal Injury Lawyer Will Fight For Your Rights

Personal injury cases are unfortunately often accompanied by lost wages and outrageous medical bills. For these and other reasons, it may be in your best interest to seek out justice to be compensated for your troubles. Are you looking for a personal injury lawyer in Delray Beach that has a stellar reputation? If so, it’s time to call on the expert personal injury lawyers at The Law Offices of John E. Mufson We understand how overwhelming personal injury cases can be and they are never clear cut. If you have been injured through no fault of your own, by the malicious intent of another or if someone has accidentally caused you harm, it’s time to reach out to us today. The expert team at The Law Offices of John E. Mufson is here to help you figure out your legal options.

What can a personal injury lawyer do for me?

While there are many qualified personal injury lawyers in Delray Beach, the team at The Law Offices of John E. Mufson stands apart from the rest. We take a personalized approach to your injury case. After all, we understand that you’re overwhelmed and not sure how to begin. We offer an impressive track record and successful case history that show our focus on customized client success. Our goal is to seek the damages you deserve for your case, and we promise to work tirelessly to get you what you deserve. Whether you’re looking for assistance with an auto accident, a product liability claim or even medical malpractice, our personal injury lawyers are here to help fight for your rights.

Our practice focuses on areas such as:

•            Automobile, motorcycle and truck accidents

•            Slip and Fall Accidents

•            Negligence

•            Birthing Injuries

•            Exposure to Toxic Chemicals

•            Medical Malpractice

•            Product Liability

We understand that every personal injury case can be different, which is why it’s so vital to work with personal injury lawyers in Delray Beach that you can trust and who will be at your side from the beginning to the end. Often, it takes time to investigate these cases and while other law firms might not keep in contact with you for months on end, the dedicated attorneys at The Law Offices of John E. Mufson are here for you at all times.

How do I get started?

If you or a loved one has been injured recently, then reach out to the personal injury lawyers at The Law Offices of John E. Mufson for assistance. Don’t you deserve the best legal team to fight for your rights and get you the compensation you deserve? Whether it is to obtain compensation for medical bills, lost wages and especially for your pain and suffering, the team at The Law Offices of John E. Mufson is dedicated to meeting your legal needs. We understand how overwhelming personal injury cases can be and we can make the process go very smoothly for you. We are here to offer the best legal support and services for your case. Call to schedule your free, no-obligation consultation with our personal injury lawyers in Delray Beach at  (561) 272-1003.

Can a Medical Malpractice Lawyer Help Me?

If your loved one met his death due to a medical error, he may be a victim of medical negligence. Although medical professionals are human and sometimes they make mistakes, it does not mean they get a free pass and that you should suffer for their mistakes. While we would like to believe that the doctors, surgeons, nurses and medical professionals we depend upon will provide the best possible care, sadly, this isn’t always the case. In 2018, there were approximately $4.1 million paid to plaintiffs in medical malpractice suits in the United States–an actual increase of 2.7% from the previous year. When you don’t get the best possible medical care, you’re at risk for a medical malpractice suit. At The Law Offices of John E. Mufson, we’re here to help. If you or a loved one has died or been harmed by medical negligence, it’s time to call a medical malpractice lawyer in Delray Beach that you can trust. At The Law Offices of John E. Mufson, our team is very familiar with this type of malpractice suit and will fight aggressively for your rights.

What types of medical negligence do we help our clients with?

When you’re dealing with medical negligence, there are many aspects to look at and review carefully. After all, you want to be sure that you have a winning case. First, is there a failure of the medical professional to responsibly care for you? Have you suffered due to your surgeon’s mistake? Did they incorrectly diagnose you? Did your doctor recommend the wrong treatment? Then, there are other factors, such as the expenses that may be incurred by the suffering party to correct the health issue. At The Law Offices of John E. Mufson, we fight for your rights with one goal in mind– to win you the best settlement and maximum compensation you deserve. We have worked on hundreds of medical negligence lawsuits that include:

•            Failure to diagnose  a condition properly

•            Surgical errors

•            Wrong prescribed medications

•            Failure to test for specific conditions

•            Failure to diagnose in the time 

•            Diagnosing the wrong illness

•            Birth injuries

These are just a few of the instances in which medical malpractice has been known to occur. If you have been wronged in any way by a medical professional and are now suffering irreparable damage and pain, please speak with our experienced team of medical malpractice attorneys in Delray Beach. While a lawsuit may not undo the damage that has been done, it can help you and your family find closure and hopefully right some of the wrongs. Whether you’re dealing with malpractice, negligence or wrongful death at the hands of medical professionals, you need a medical malpractice lawyer in Delray Beach that you can trust with a stellar reputation.  Call The Law Offices of John E. Mufson and speak with one of our expert legal team today at  (561) 272-1003. We are available 24/7 to help with your case.

Why File For Bankruptcy?

Many actors, singers, journalists, and working professionals have filed for bankruptcy at some point in their lives. If bankruptcy is a way celebrities and other professionals handle their overwhelming debts, you may find yourself wondering if declaring bankruptcy in Delray Beach can work for you too. At The Law Offices of John E. Mufson, we know that bankruptcy isn’t just for celebrities. Everyday normal folks all throughout West Palm Beach can benefit from bankruptcy, finding their path to renewed financial freedom. If your debts have become more than you can handle, then it’s time to consider seeking help from one of the most dedicated bankruptcy law firms in Delray Beach, The Law Offices of John E. Mufson. Bankruptcy may be your lifeline out from the sea of debt you’re currently drowning in, and our expert team of attorneys can help you swim your way out!

Is Bankruptcy the right solution for me?

Bankruptcy is a viable solution for many people who have become overwhelmed with debt, but it’s important to determine whether or not it’s your best option. The lawyers at The Law Offices of John E. Mufson take a personalized approach to bankruptcy assistance. To start, we’ll help you assess your current financial situation. For some people, bankruptcy is a great fit, but for others, it is not their best financial option. Our expert legal team can help you understand which financial solutions are the best fit for your challenges and the benefits bankruptcy may or may not bring you. 

How do I get started?

When you consider filing for bankruptcy, the first thing to consider is how it can benefit you. There are many benefits to declaring bankruptcy. Depending on the type of bankruptcy you seek, your unsecured debts can be greatly reduced or entirely eliminated. For example, Chapter 7 bankruptcy can liquidate debts such as credit card bills. Chapter 13 bankruptcy can refinance existing debts into affordable payment schedules that often include lower balances than what you initially owed. Our bankruptcy law firm in Delray Beach is prepared to help you understand what filing for bankruptcy means and to determine your best options. Let the expert bankruptcy lawyers at The Law Offices of John E. Mufson guide you towards the financial future you deserve. To learn more about how we can help with your individual situation, please call for a free consultation with one of our skilled bankruptcy attorneys in Delray Beach at (561) 272-1003.  

Three Steps to Ending Medical Bill Harassment in Delray Beach

One in four Americans struggled to pay medical bills in 2016. This struggle continues today, with many avoiding vital medical care because of financial strains. No one should have to live this way, but when dealing with medical bill harassment in Delray Beach is the alternative, it’s like being between a rock and a hard place. Debt collectors call incessantly and at ridiculous times. They send threatening letters and try to use scare tactics to get your money. If this is happening to you, don’t fall for their tricks and think you have to go into debt to settle these medical bills.  

Here’s three steps you should take to end medical bill harassment. 

Step 1: Do Your Research 

Debt collection agencies rely on you being uninformed and intimidated by their scare tactics. They hope their annoying calls and letters will be enough to force you to pay steep bills and fees in exchange for peace. Don’t let them take advantage of you; instead, arm yourself with knowledge. Understanding debt laws in Delray Beach can protect you from illegal actions by medical debt collectors. 

For example, knowing that collectors are not allowed to call after 9 PM or before 8 AM. They are also not allowed to contact you at work, or pretend to represent any legal authority. Other restrictions include but are not limited to: 

  • Contacting unauthorized third-parties, including your employer, about your debt 
  • Sending written communications designed to look like summons from the government or an attorney 
  • Attempting to collect debts which have expired under Florida’s statute of limitations 
  • Continuing to contact you directly despite legal representation 
  • Using or threatening use of violence 

If you have experienced any of these forms of medical bill harassment in Delray Beach, contact Mufson Law immediately. 

Step 2: Request Contact Cease 

Filing a formal request to cease contact is vital to the process of settling your debt and ending medical debt harassment. While making your wishes known verbally when you receive a call is helpful, it is important to having your request in writing. This documentation will be necessary should legal action be required in the future. 

Additionally, having evidence for harassment claims is vital for any claims you may have against the collection agency. Make copies of any written correspondence you receive and keep record of your call history, especially if they occur during restricted times. 

If you continue to receive calls, emails, or letters after filing a formal cease and desist or creating a payment plan, be sure to record the specific details for later use. This includes time of call, name of representative who called, and any other pertinent information. 

Step 3: Contact an Attorney 

Medical bill collectors use aggressive, illegal tactics because they don’t think you will do anything about it. When it comes to medical bill harassment in Delray Beach, an attorney can help put an end to your suffering. The legal team at Mufson law has the knowledge and experience to take on any case, no matter how great your debt or how long the harassment has persisted.  

Put an end to the harassing calls and letters today. Call Mufson Law now for your consultation. 

Five Major Mistakes to Avoid When Filing Bankruptcy

Making the decision to file for bankruptcy is scary. For the average person, bankruptcy law in Delray Beach is complicated and confusing. It’s hard to know what to expect on the other end, let alone plan for how you will rebuild your credit and finances in a healthy way. Many people equate bankruptcy filing with losing everything, but that’s rarely the case. In fact, this process is specifically designed to help you salvage what you can while consolidating and eliminating debt.  

If you are in the process of filing bankruptcy, avoid these five detrimental mistakes. 

Lying About or Hiding Assets 

Qualifying for Chapter 7 bankruptcy includes a “means test” which assesses your ability to pay off creditors. During this process, you must disclose all income and assets. Failing to do so could result in your case being dismissed and a legal ban against future attempts to file Chapter 7 bankruptcy. Lying about these factors in your bankruptcy filings doesn’t matter, anyway. Once a trustee accesses your financial information, the likelihood these assets will remain hidden is slim. Likewise, attempting to hide or lie about additional creditors is also moot, as credit companies can gather information about your bankruptcy case. 

Giving Away Assets to Family or Friends 

A common mistake when it comes to bankruptcy law in Delray Beach is the transference of property of assets to a loved one before or during the process in an effort to protect or secure it. Often this is done under the guise of a “gift” or sales transaction with the intent to reverse it afterward. Not only is this illegal, it’s not a recipe for disaster. Regaining ownership after the fact may be messy and cause strained relationships between you and friends and family. You may think you are protecting yourself against repossession, but there’s an easier way with Mufson Law. 

Tapping into Retirement Money 

The money in your 401K or other retirement savings accounts has a designated purpose. Dipping into these funds is not only ill-advised, it’s pointless. These accounts are protected during bankruptcy proceedings, so they won’t be affected unless you choose to withdraw money to pay toward debts. Choosing to do so is not allowed, as it shows favoritism toward certain creditors over others who remain unpaid. Don’t fret, your bankruptcy attorney at Mufson Law can help you determine your best course of action. 

Maxing Out Credit Cards 

Trying to use what credit you have available before filing bankruptcy can complicate your case. If your creditor believes you have done so intentionally, they can challenge the courts’ attempt to eliminate this debt. They may accuse you of fraudulent borrowing, which can affect your financial future. If found guilty, you may be held responsible for paying some or all remaining debts. In general, credit transactions made within 90 days of filing are not considered during the proceedings and will continue to be your responsibility. To be safe, once you file for bankruptcy, do not use your credit cards. 

Not Consulting an Attorney 

Bankruptcy law in Delray Beach is intimidating and difficult to navigate on your own. Failing to consult a lawyer when filing your case can make the process drawn out or lead to rejection. At Mufson Law, we focus on debt solutions, including bankruptcy. Our team of knowledgeable and experienced legal professionals is prepared to help you find the best solution for you, up to and including bankruptcy options. 

If you’re ready for a debt-free future, contact us now. 

10 Tips for a Debt-Free Holiday Season

For many people, this week marks the official beginning of the holiday season. With Black Friday just around the corner, millions across the United States will participate in the mad dash to find the perfect gift for loved ones, the perfect holiday outfit, or other financial splurges. While this uptake in commercial spending is great for the retail world, it can be detrimental to your wallet. Going into debt over the holidays is not uncommon; in some cases, it may take months to recover. But holiday shopping doesn’t have to be this way. It is possible to show your friends and family you care without breaking the bank. Mufson Law, your source for debt solution in Delray Beach, offers these 10 tips for a debt-free holiday season. 

Plan Ahead 

You’ve heard it time and time again, but staying within your budget is key to avoiding the pitfalls of holiday-related debt. For some, this includes beginning to save months in advance, or even taking on temporary part time jobs to increase one’s income. Whether than scrambling for a debt solution in Delray Beach in the new year, making wise choices now can protect your financial well-being. 

Creating your holiday budget is easiest when you have specific gifts in mind for each person on your list. Wandering malls and window shopping can lead to some ill-advised purchases you may regret later. Instead, think practically: you don’t have to go broke to prove you care. Set a hard limit for your holiday spending that is within your budget and make sure to keep track as you shop. Some charges may take longer to process during the holiday season, and you don’t want any nasty surprises later. 

Take Advantage of Sales and Coupons 

Forward planning also includes where, when, and how you shop. We all know that Black Friday can offer some great deals, but more and more Americans are also taking advantage of Cyber Monday. Falling on the first Monday after Thanksgiving and Black Friday, Cyber Monday offers some of the best online shopping deals of the year. In many cases, these sales may be better than in-store promotions.  

Not participating in Black Friday or Cyber Monday? They aren’t your only way to save money this holiday season. Money saving apps like Shoptagr will send you a notification when your desired items are restocked and on sale. Honey and RetailMeNot offer web extensions to find the best coupon codes, while Ibotta may allow you to get some cash back for purchases. Take advantage of modern technology so you never spend more than necessary. 

Experiences Over Material Goods 

When it comes to gifts, we often immediately think of gadgets, trinkets, and other material things our family and friends may enjoy. While there’s nothing necessarily wrong with this, these gifts can quickly turn into unused clutter. One great debt solution in Delray Beach is to look for experiences rather than material gifts. Things like concerts, theatre, or comedy shows are great holiday gifts with the added bonus of giving you a little extra time. If a show is in the distant future, simply create a beautiful certificate to present as a promise for great fun to come. 

Experiences aren’t limited to shows, either! If your loved one is a fan of the great outdoors, treat them to a day of kayaking or hiking at one of our beautiful state parks. If they’re more attuned to the metaphysical, consider a trip to a reiki healing center or full moon drum circle. Whatever you choose, schedule your plans out well enough that they don’t place too much strain on your budget. 

Don’t Try to Stun Everyone 

Your friends and family know you love them. You don’t have to buy the most expensive, extravagant gift on each of their lists. It’s true when they say it’s the thought that matters—especially if the alternative is going into debt. Get a list of potential gifts for each person, or limit yourself to a set amount for each gift so there’s no sense of favoritism. If there’s something really important on someone’s list, consider pitching in with a group to make the gift more affordable. 

Get Crafty 

Handmade gifts are underrated. Taking the time to make someone you love a gift is an act of love that can’t be bought in stores. Whether you are a seasoned knitter, paint as a hobby, or try your hand at a craft for the first time this year, the time and effort is appreciated. Plus, handmade gifts are often the more affordable option for staying under budget. It can be easy to forget who bought what, but every time your loved one wears their new scarf or looks at the painting you’ve done, they’ll think of you with a smile. 

Take Advantage of Free Events 

Celebrating the holidays isn’t about gift giving. This time of year has some of the best attractions and events across South Florida. While some of them can be a drain on your wallet, keeping an eye out for free family fun events can make this holiday season even more special. Avoid needing a debt solution in Delray Beach by taking your family out to free parades, holiday light displays, or public concerts. They are listed on online community bulletin boards, in Facebook events, or at local parks. Just make sure you give yourself enough time to find good parking! 

Potluck Parties 

Hosting a get together during the holidays? Instead of splurging on groceries and party supplies yourself, make it a potluck party! Invite each attendee to bring their favorite dish. For those who aren’t so skilled in the kitchen, bringing disposable plates and cutlery is also a great way to contribute. Hosting a party this way is not only a great way to save money, it takes some of the stress off of your shoulders, too. Just make sure everyone is aware of any potential allergies and what items are already being supplied to avoid confusion. 

Let Go of FOMO 

FOMO, or Fear of Missing Out, is one of the biggest contributors to holiday-related debt. We want to attend all the parties and events, and look amazing while doing it. Spending hundreds on new holiday outfits, tickets, gas, parking, and other going out expenses is the fastest way to wind up needing a debt solution in Delray Beach. It’s okay if you can’t make an event or two. There will be others. On the bright side, taking time to yourself is a vital form of self-care during the holidays. 

Keep Track of Expenses 

This tip is valid throughout the entire year, but especially during the holidays. The heavy influx of sales and transactions during this time may cause delays in charges hitting your account. If you rely solely on what your account balance says, you may wind up overdrafted and in debt. Instead, create your holiday shopping budget and keep track of your final expenses, including whether you went over or under. This will also help you identify fraudulent activity in your account like double charging or hidden transactions card scammers may try to slip in. It may seem tedious, but your future self will thank you. 

Avoid Payday Loans 

Companies like Amscot and other cash advance businesses thrive during this time of year. They know you’re desperate to get out and shop, so they offer short-term loans to tempt you. Don’t fall for it; the fees can quickly add up, leaving you in a payday loan cycle to try and stay afloat. These services should only be used sparingly and in emergencies. Even then, only take out as much as you can afford to repay without stressing your budget. It’s always better to miss a sale or go without that cool new gadget than to get trapped in debt. 

If you are struggling with debt, Mufson Law may be able to help. Our extensive knowledge of financial law means we can help you find the perfect debt solution in Delray Beach.