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

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?

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?

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.

Should I File for High Income Bankruptcy in Delray Beach?

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.  


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.

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.

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.

Top 3 Reasons Why Bankruptcy Lawyers in Delray Beach are Necessary

Going through bankruptcy isn’t easy. It comes with complications and lingo that can be difficult to understand. That’s where hiring bankruptcy lawyers in Delray Beach are beneficial. Not only will they help you avoid bankruptcy if possible, but they will also lie out all of your options. One of the biggest mistakes a person can make is not hiring a professional lawyer when facing bankruptcy. In your time of need, you’ll need an expert, and here are three reasons why.  

Gain an Alternative Perspective with Bankruptcy Lawyers in Delray Beach 

When you’re facing bankruptcy, it can be challenging to make good decisions. Your emotions are running high, and you may even be desperate. However, as we all know, it’s never a good idea to make decisions that are rash. With a lawyer, you can gain an alternative perspective. They are able to look objectively at your case, honestly telling you what your best plan of action is. They’ll look at the facts, your finances, and your previous choices to paint a clear path.  

Knowledge is Key for Bankruptcy Cases 

Bankruptcy comes with a handful of confusing terms and piles of paperwork. With a lawyer on your side, you can relax as they explain what you’ll need to know. They’ll assist you in filing the necessary paperwork, as they’ve most likely done this a hundred times. Chapter 7 and Chapter 13 are the two options for bankruptcy, and they’ll thoroughly ensure that you’re choosing the best possible path forward.  

Peace of Mind with Bankruptcy Lawyers in Delray Beach  

Perhaps most importantly, bankruptcy lawyers can help you obtain peace of mind. In this complicated process, it can be difficult to feel that you are able to breathe. Fortunately, that’s what the experts at Mufson Law are there for. We aid you in making the right decisions so that you can rest assured that you’ve chosen correctly. Without the help of a lawyer, other individuals may come to regret their choices. At Mufson Law, we’ll ensure that your future is appropriately set up for success so that you can get back on your feet sooner. If you’re facing bankruptcy, don’t do so alone. Call 561-513-4564 today, and start fresh.