Should I File for Bankruptcy in Delray Beach?

Is Filing For Bankruptcy Right for me in Delray Beach?

Everybody faces different problems and we can call struggle financially on occasion. Have you had unforeseen medical bills and simply don’t have the money to make payments? When accidents happen they can bring on high medical bills that can be difficult to afford. If you’re constantly getting calls from creditors demanding you to make payments you need to look into other options. Our attorneys at The Law Offices of John E. Mufson can help you learn about your options when you simply can’t afford your medical bills. Filing for bankruptcy in Delray Beach is one option you may have, and our attorneys will help you find the best financial solution for you and your family.

Should I File For Bankruptcy?

Many people don’t like to hear the word bankruptcy and they think if they file their credit will be ruined forever. This isn’t the case, though, and oftentimes filing for bankruptcy can help improve your credit. When you file for bankruptcy you’re showing potential creditors that you’re taking steps to improve your situation financially and you want to lessen your debts. Immediately after you file you’ll be able to start rebuilding your credit and make smart financial decisions to help you and your family.

Don’t allow creditors to keep harassing you for money you don’t have! Call The Law Offices of John E. Mufson today to learn about your options to help lower or eliminate your debts.

You have options when it comes to eliminating your debts. The best solution is different for everyone, depending on the type of debt you have and the amount of debt you’re in. For those with high medical bills you can speak with an attorney to learn about your options to lower and even eliminate your debts.

Our team has experienced attorneys who will work with you and inform you of your options. We understand that accidents happen and medical bills can pile up in a hurry. If you’re struggling to pay these medical bills now is the time to contact our team at The Law Offices of John E. Mufson. We can help you find the best solution to lower and eliminate your debts. Contact us today for your free consultation to learn about how you can stop the harassing creditor calls and eliminate your debts.

Have You Considered a Debt Consolidation Program in Delray Beach?

Can a Debt Consolidation Program in Delray Beach help Eliminate my Debt?

For those who find themselves in debt in Delray Beach, it can be difficult to find ways to lower or eliminate your debts. Some people wonder if using a debt consolidation plan can help them. It sounds like a good idea, but it’s very important to be cautious when looking for a debt consolidation program. Many of these plans promise to help you eliminate your debt, but they actually end up scamming you and leaving you in more debt than you originally were in. If you’re looking for ways to lower your debts and think a debt consolidation program is best for you, make sure you talk to a bankruptcy attorney before doing so. Our attorneys at The Law Offices of John E. Mufson can help you determine which debt relief options are best for your current financial situation. We offer free, no hassle consultations and can provide you with different options to help eliminate your debt.

When looking into a debt consolidation plan you need to be very cautious to make sure you don’t fall into a scam which can potentially leave you in more debt. 

When you work with our attorneys at The Law Offices of John E. Mufson we can help you find the best option to relieve your debt. There are many debt consolidation plans that say they’ll help you eliminate your debts, but be careful before you decide to do so. Many require large upfront payments, which many people can’t afford when they are in a lot of debt. These programs often charge you a fee, so when you make your payment they take out a certain percentage or fee before paying creditors. Also, many of these programs only stay in business for a short time, just enough time to take your money. Then they close and you’ll never hear from them again.

We know that taking charge of your finances and eliminating your debt is important. Finding a debt consolidation plan in Delray Beach which can help you can be difficult because there are a lot of scams out there. When you call our attorneys at The Law Offices of John E. Mufson you can learn about the different options you have. The amount of debt you’re in and the type of debt you have can help determine which option will work best for you. Everyone’s financial situation is different, and the path to becoming debt free will be different for everyone. Call The Law Offices of John E. Mufson today to schedule a free consultation and learn about ways which you can lower and eliminate your debt.

Dealing with High-Income Bankruptcy in Delray Beach? We Can Help

Some people believe that if you earn ‘good money’, you, by default are unable to declare bankruptcy. However, that statement is simply inaccurate. At The Law Offices of John E. Mufson, we’ve had many clients who have fallen in a pit of debt despite having a substantial income. Our team does not judge or discriminate, instead we provide you with the counseling and assistance you require in a moment such as this one. We know that this is a difficult process to have to go through, however, there’s no need for you to feel alone, because we have your back. When you require legal assistance with high income bankruptcy in Delray Beach, contact The Law Offices of John E. Mufson.  

The Law Offices of John E. Mufson, has a system designed to provide assistance to clients with high incomes, high assets or complex asset holdings. While the fundamentals of Chapter 13 function the same for everyone in terms of the income/asset spectrum, cases for high income clients pose unique issues and circumstances. An experienced bankruptcy attorney, however can help you navigate this entire process, giving you the peace of mind as well as the resolution you need. When it comes to dealing with high income bankruptcy in Delray Beach, our legal advisors can assist you. 

Are You Struggling with High-Income Bankruptcy in Delray Beach, FL? An Experienced Bankruptcy Attorney Can Help  

When you’re going through such a complicated matter, and need to find the most convenient and viable long-term solutions, hiring an experienced bankruptcy attorney is always best. Ignoring the problem is not an option, things could quickly escalate and you may be at risk of losing far more. Instead, contract a bankruptcy attorney at The Law Offices of John E. Mufson that can provide you with the legal advice and orientation you require when dealing with high-income bankruptcy law in Delray Beach. We have an extensive background when it comes to cases like yours, and we’ve been practicing for over 25 years in the South Florida area, aiding individuals reach the best conclusions for their cases. During his time, Mr. Mufson has assisted business owners, people with high incomes and/or complex asset holdings. 

Contact the Law Offices of John E. Mufson at (561) 272-1003 for legal representation and counsel with high-income bankruptcy in Delray Beach. You can also visit us at 1615 South Congress Avenue Suite 103, Delray Beach, FL 33445. With a comprehensive understanding of bankruptcy laws and property exemptions available under federal and Florida laws, our firm will be able to help you elaborate a tailored plan to guarantee maximum debt relief, while making it feasible for you to retain as many assets as possible.

An Attorney Experienced in Bankruptcy Law in Delray Beach, FL

Coming to terms with your current financial situation, can be difficult, even painful. It’s not easy to admit that you are drowning in debt and that you’re at risk of having to declare bankruptcy. While this experience can certainly be traumatic, things can be made much easier when you have the legal counsel and representation of an attorney well-versed and equipped in bankruptcy law in Delray Beach, FL. At the Law Offices of John E. Mufson, we understand the vulnerable position you’re in, which is why we want to facilitate and assist you with every resource available in the toolbox. There’s no need to struggle and continue to face this on your own, because your success is ours and we want to help make your dreams for a financially stable and debt-free life, a reality. 

When it comes to bankruptcy law in Delray Beach, it’s hard to know what to do, who to see and what choices you should and shouldn’t make. It’s possible that you’re not familiar with the many moving pieces involved in the matter, however there are individuals working in the field of law and specializing in bankruptcy law, that can come to your aid. It’s rather crucial for you to be smart about your pick for legal representation. Why? Because you are attempting to get out of trouble, not get into more trouble. Not having a bankruptcy lawyer with the background and expertise that you need could ultimately lead you down the wrong path. However, at The Law Offices of John E. Mufson, we have more than 25 years of experience in the area of bankruptcy law. Over the years, we have built lasting relationships with our clients, and we have seen to it that they’re able to continue their lives with a level of relief and a peace of mind that has no price.  

Bankruptcy law in Delray Beach can be “tricky”. How many times have you put your phone on silence, simply because you’re tired of getting calls from debt collectors? We know that it can be a struggle. Fortunately, our firm will create a customized strategy to achieve maximum debt relief while still helping you keep as many of your other assets. Whether you’re struggling to pay off student loans, or you think you may be getting debt consolidation scams, whatever the issue, our team can help. 

Call The Law Offices of John E. Mufson at (561) 272-1003 for a firm with the background and competence in bankruptcy law in Delray Beach, FL. You can also visit us at 1615 South Congress Avenue Suite 103, Delray Beach, FL 33445.  This can be a troubling time for anyone, however we know that at the end of a dark tunnel, there’s always a light. Let us be that light for you. With our counsel and representation, you will be able to get back on your feet and become the financially stable and unburdened person you once were. Stop putting your life on hold and giving up on your goals and dreams for the future, our firm can provide you the calm and relief you need, today!

Bankruptcy Delray Beach, FL

Are Student Loans Forcing Students to File Bankruptcy in Delray Beach?

Chapter 13 Bankrutptcy LawyerStudent loans are a national issue, and there are very few programs being implemented to help the ongoing problem. In fact, more and more young people have started going the entrepreneurial route, as they feel that the student debt simply isn’t worth the education. Did you know that most people don’t pay off their debts until they’re in their forties? Did you also know that it costs around 40 thousand dollars a year to have a degree in America? The cost of college tuition is driving young people into searching for different routes, even asking if bankruptcy in Delray Beach is an option.    

Facts About Student Loans and Bankruptcy in Delray Beach 

66% – 88% of young college graduates are facing the student debt crisis. The issue only continues to rise as the cost of tuitions continues to skyrocket. There are very few options available to young people, and the debt of apartments, cars, and college can all leave a negative psychological impression. While it is quite challenging to fight for bankruptcy due to student loans, it doesn’t mean that numerous individuals haven’t tried.

There are many interesting elements that make paying off college tuition almost impossible. First and foremost, many of the careers that are being chosen are starting to diminish. The career market is over saturated in many areas, yet there isn’t enough education to let young people know this. Additionally, courts are quite difficult on kids who did not finish school, but still want to fight for hardships. Not only will some individuals finish without a college degree because of the cost, but most of them will have a difficult time paying it back.  

If you’re looking for a firm to talk to you about bankruptcy in Delray Beach, reach out to The Law Offices of John E. Mufson today. Bankruptcy is our specialty, and we even offer debt programs to get people back on track. When you’re young, you shouldn’t have to face ridiculous financial burdens for trying to become an active participant of society. For a firm you can trust, rely on, and learn from, call The Law Offices of John E. Mufson today at (561) 272-1003. We’re here for you every step of the way!

Bankruptcy Law Delray Beach, FL

Credit Card Harassment Delray Beach

3 Signs You’re In Need of Bankruptcy Law in Delray Beach  

If you need bankruptcy law in Delray Beach, don’t be ashamed. Many Americans need a professional in these matters. However, what you don’t want to do is wait until the last minute to hire an expert on law. You might feel that you can fix the hole you’ve dug yourself into, but the reality is that bankruptcy is nothing you’ll want to take lightly. With a bankruptcy law expert, you can rest at ease knowing that someone is handling your case with professionalism, compassion, and knowledge.  

You Should Call an Expert of Bankruptcy Law in Delray Beach When…  

1.You Start Falling Short On Mortgage Payments 

There are few things more stressful than realizing that you’re falling behind on your home payments. How do you make up the debt? Will they take your home away? Are you already working three jobs and an overnight shift to make ends meet? These are all common questions for a person in your position, but with a law expert, they’ll be there to give you all of the answers.   

2.You Receive a Foreclosure Letter 

If you receive a foreclosure letter in the mail, there’s no question that you’re going to feel stressed. In fact, it’s one of the last reminders that it’s time to call a professional. If you haven’t yet received a letter, you should nonetheless call a lawyer regardless. Their expertise may save you from getting one in the first place!

3. You are Stressed to the Max 

The stress of bankruptcy and foreclosure are excruciating. It is one of the most overwhelming feelings a person will ever experience. If you’re facing bankruptcy in the face, it’s time to call The Law Offices of John E. Mufson. Our team will be there to take the weight of financial frustrations off your back. Your best chance lies in hiring an experienced and caring firm, with years of experience and practice.  

At The Law Offices of John E. Mufson, we know what to expect in these types of cases. We’ll be upfront and honest with you about your options and the trajectory. Then, we will work on your behalf to give you a brighter and better future. One of our goals is ensuring that our clients never see themselves in this same financial crisis again. If you’re ready to get back on your feet, call The Law Offices of John E. Mufson today at (561) 272-1003. We have over 25 years of experience, making us a trustworthy ally during a very challenging time.

Alternatives to Bankruptcy: Negotiating Debt and Credit in Delray Beach, FL

Bankruptcy Delray Beach

Are you finding yourself in the footsteps of Sisyphus, condemned to an eternity of rolling a boulder uphill which will always roll back down again? Financial burdens of past debts can often feel this way and can take away from your ability to move forward in life. Are you struggling with the inability to look past to your debt overcome, have fallen behind in significant insolvency, or are at the verge of creditors taking legal action against you for a lack of repayment? —congratulations on taking this step toward most-permanently resolving your financial and debt concerns with unending creditors by negotiating your debt and credit in Delray Beach, Florida.  

When seeking solutions for credit negotiation and debt resolution, there is an array of steps that you may take toward reversing the negative effects listed on your credit if you have fallen behind on debt. In choosing to settle your debt in an effort to negotiate credit, cutting some of the interest off the debt or even some of the principal, depending on your unique hardships and your state’s legal statutes regarding consumer, debt and creditor rights, are viable strategies in Delray Beach, Florida.   

Know what is Negotiable  

A creditor may be more likely to negotiate with you if the Statute of Limitations on your debt is about to expire and if you have already tried options in debt management.  

Creditors will also have standard policies for how much off a loan principal it will forgive when you haven’t made payments for a certain period of time, which is a form of debt negotiation that you may do independently on your own while speaking with creditors to manage debt. For such independent negotiations, it is advised to get the agreed upon terms in writing before making any repayment, recording the conversations had with the creditor may also help, as often what is understood by either party may be different, leading to potential complications in the negotiation process. However, attaining a written agreement before repayment is key and necessary to protect yourself from legal action renewed by a creditor. If you are incapable of managing your debt, and are behind in the process of repayment, speaking to a legal professional may be beneficial in understanding your options for permanently overcoming unmanageable debts. The Law Offices of John E. Mufson, P.A., in Delray Beach, Florida, can examine with you your specific financial concerns and potential solutions.    

What is the Statute of Limitations (SOL) on a Debt  

The Statute of limitations on a debt is how long a creditor or debt collector can successfully and lawfully pursue legal action to collect a debt. Most often, the statute of limitations starts when you miss the first payment with the original creditor and not when the debt is sent to collection. In the event that a creditor attempts to sue you after this period has expired, you could raise the Statute of Limitations as a defense to legal retribution taken for the given debt.  Keeping this in mind, there is a stark difference between the timeframe that debts may appear on your credit report, often seven years, and that of debt collection statutes. As well, be particularly aware that if you have already fallen behind on your debt, a partial repayment can restart the statute of limitations on a debt or it can restart the time period for how long the negative information continues on your credit report.  

Understanding the difference between Written Contracts vs Open/Unwritten Accounts 

These are both critical categories that may benefit you to understand under the guidance of a legal professional if you are being sued for repayment by a creditor or collection agency.  In Delray Beach, Florida, the Law Offices of John E. Mufson, P.A., can discuss with you cost-free how your specific debt and credit concerns may be negotiated to limit its negative effects from your future.    

In the state of Florida, open accounts, which are generally considered credit card debts, have a Statute of Limitations of four years. Written contracts on the other hand, which may include financial obligations such as instalment payments, mortgages and auto loans, have Statutes of Limitations of five years.  

For student loans, it is advised to verify if there are tax consequences or income garnishing when opting for debt forgiveness. Likewise, there are several types of student loans anywhere from privately to federally issued, it is wise to keep in mind that the Statutes of Limitations for your specific type of student loan vary, and to consult with a legal professional if you are unsure. Acknowledge also, when choosing how you may negotiate your credit and debt, some of the time, if a portion of your debt is forgiven by a creditor, it could be counted as taxable income on your federal income tax, checking on these provisions previous to making any agreement with a creditor is helpful and recommended. If you are in Delray Beach, Florida, the Law Offices of John E. Mufson, P.A., can assist you in understanding credit and debt negotiation options depending on your unique circumstances.  

It is Important to Check Your Credit Before Negotiating and After

It is important to check your credit to see when the dates for the Statute of Limitations and collection were recorded, also the fact that some judgements may have been made on these negative elements that you did not know existed, and to find out where and how these items are affecting your credit. Credit.com, for instance, reports that one in five Americans has mistakes on their credit. As you know, negative credit items affect many aspects of your daily life, including your ability to finance further credit and find work. When you have a law firm on your side, it is even more possible addressing such concerns on a more timely and thorough basis. Credit that is not reported correctly is often not challenged, and it is quite possible to do this, even after the debt has exceeded the timeframe that these may legally appear on your credit report.  Many instances of credit error go unaccounted and may be affecting your finances negatively as is. Discussing your particular credit status and debt concerns in Delray Beach, Florida, with the Law Offices of John E. Mufson, P.A., can help you understand where you stand in your current financial hardship and your future. Give us a call if this is you, (561) 272-1003, stop by our office, 1615 S Congress Ave #103, Delray Beach, FL 33445, or even use our chat system, https://www.mufsonlaw.com/.

Negotiate Credit in Delray Beach

Debt Consolidation Delray Beach

How to Negotiate Credit in Delray Beach

The majority of Americans have a significant level of credit card debt, leaving many to negotiate their credit in Delray Beach. It’s not uncommon, but it’s certainly not an easy venture. Here, we’ll talk about three healthy steps you can take to negotiate your credit. The first step, however, is to call The Law Offices of John E. Mufson. By having a professional law office specializing in debt, you can rest at ease that throughout this process, you’ll be making the best decisions for you.  

Step One to Negotiate Credit in Delray Beach: Choose a Plan  

With a lawyer from The Law Offices of John E. Mufson, you can begin choosing a plan that is right for you. There are multiple negotiating routes to choose from, and though none are as easy as one may like, having a professional of law by your side can reduce your fears and give you the best fighting chance. Some plans available include negotiating a lump-sum settlement, a “Workout” arrangement, a Forbearance program if it is a short-term issue, or a debt settlement program. There are also debt management programs that may be beneficial for you now and in the future. 

Step Two: Assess Your Finances

The next step is to sit down with a lawyer from The Law Offices of John E. Mufson and assess your finances. You’ll want to look at what you make and how much you owe. This will help you understand why you’re in debt, what to cut spending on, and how to better manage your finances. It may also provide you with a clearer path to a debt-free lifestyle.  

Step Three: Make the Appropriate Calls

Last, but certainly not least, start making calls. One of your first calls should be to a lawyer, but not any lawyer. You need an experienced lawyer at The Law Offices of John E. Mufson. We can negotiate on your behalf. A lawyer has many years of experience in providing the best rates for their clients. Trust in their expertise! They’ll also know that having those terms agreed upon in writing is essential so that nobody can come after you in the future.  

If you’re drowning in debt, and you need to negotiate debt in Delray Beach, call The Law Offices of John E. Mufson today. We specialize in bankruptcy and debt law, making us your one-stop firm for all of your financial troubles. We know that debt is difficult, but you don’t have to go through this experience alone. Call us today at (561) 272-1003. It’s your time to find solutions that will benefit you now, and forever.

IRS Scams to Avoid: Bankruptcy Law Delray Beach

There are many recorded incidents of IRS scams that can cost American’s thousands of dollars. One of the easiest ways to tell the difference is to reach out to a firm specializing in bankruptcy law in Delray Beach. Another way to tell the difference is realizing that the IRS will never demand payment over the phone. Therefore, if you’re getting a call that claims to be the IRS and they’re asking for an immediate settlement, know it is a scam. In fact, there are many things the IRS will not do, and if they happen to you, take precaution against a potential financial theft attempt. 

What the IRS Won’t Do: Bankruptcy Law in Delray Beach  

The IRS, again, will not call you over the phone to demand emergency payments, nor will they call about taxes that you owe. If you owe taxes and you do receive a call, you should have a pile of mail notices as well. If you receive an email asking about your identity, such as personal or financial information, know to block the sender, as it is a scam. Another sign of a financial theft attempt is when an email or call requires you to pay your taxes without giving you the option to question or appeal that amount.  

If you’re receiving calls from an individual claiming to be a part of the IRS, make sure to do your homework first. They will never ask for credit info over the phone, nor will they threaten to call law enforcement for not paying. These are all ways to pressure their victims into giving them the information they want. Fortunately, there are a few ways to combat the scary situation. If on a call, hang up immediately. Then, you can visit the IRS Impersonation Scam Reporting page.  

When you’re dealing with your finances, be smart about whom you hand your private information to. When you’re facing bankruptcy, it can be nerve-wracking even to receive a phone call from the government. At The Law Offices of John E. Mufson, you can reach out to us with any questions on potential scammers and your current financial predicament. At The Law Offices of John E. Mufson, we’ve helped thousands of people live a debt-free life, and you can be next. Don’t let scammers pressure you during a time of crisis. Call us today at 561-272-1003!

Hire a Top Bankruptcy Lawyer in Delray Beach

Everyone can find themselves in a tough position financially from time to time. Are you swamped with bills that you’re unable to pay? Are you wondering what to do because you simply can’t pay your bills or afford daily expenses? If so, you might need to speak to a bankruptcy lawyer in Delray Beach. At the Law Offices of John E. Mufson we understand that it can be difficult when you fall on tough times. We’re here to help you find a solution to reduce or eliminate your debt, so you can get back to living your life.  

Should I file for bankruptcy in Delray Beach? 

When you’re unable to pay your bills, you might be thinking about filing for bankruptcy. When it comes to bankruptcy there are a couple different options you may have. Speaking with an experienced bankruptcy attorney in Delray Beach can help you understand your options and find the best debt solution for your situation. The Law Offices of John E. Mufson can help you understand the different types of bankruptcy that you may be eligible for. These options include:  

  • Chapter 7 Bankruptcy 
  • Chapter 9 Bankruptcy 
  • Chapter 11 Bankruptcy  
  • Chapter 12 Bankruptcy 
  • Chapter 13 Bankruptcy 
  • High Income Bankruptcy  

If you’re looking for a way to get out of debt, it’s time to speak with a bankruptcy lawyer about your options. Filing for bankruptcy can sound scary, but for many it can be the best option. Bankruptcy can allow you to eliminate your debt and start fresh, giving you the chance to rebuild your credit and hopefully avoid falling back into debt.  

Some people fall into debt because of poor spending habits. They use their credit cards too often only to realize how much debt they’ve racked up. Other however, have had medical emergencies or other things arise that are out of their control. No matter the reason you’ve fallen into debt, bankruptcy might be your best option to start fresh. To learn about your options, call a top bankruptcy lawyer in Delray Beach. Call The Law Offices of John E. Mufson.