Don’t Stop Until You Get the Justice you Deserve for Your Pain and Suffering

As parents, we teach our children that it’s only human to make mistake because that’s how we learn right from wrong. These mistakes are small and often a good lesson can be learned from them. We learn and then move on in most cases. But that isn’t the case with medical professionals like doctors, nurses, psychiatrists, surgeons or even a medical facility that you are entrusting your care to. Medical professionals take an oath to do no harm and provide the best care possible for you. When you or your loved one are in a doctor’s care it is expected, according to the standards set forth by their oath and their specialty, that they will provide the best standard of care possible for you. When that doesn’t happen and something goes wrong, there are some things you can do. In most cases, we know that these errors were not intentional, but medical mistakes can be costly, not to mention life-threatening. At The Law Offices of John E. Mufson, we understand how challenging cases of medical malpractice can be, and that’s why we are here to fight for your rights. 

Why should I expect from a medical malpractice attorney?

One of the reasons to hire a medical malpractice lawyer in Delray Beach is because cases of this type are so difficult to prove. When first considering a medical negligence claim, you’ll want to find an attorney with many years of experience. Malpractice suits can be complicated and proving a doctor’s negligence isn’t that easy. At The Law Offices of John E. Mufson, we have worked tirelessly for our clients in Delray Beach and throughout Florida, on a wide range of medical negligence issues and have the track record to prove it. There are four steps that malpractice attorneys will generally follow to prove your case:

•They must prove that the medical professional had a “duty of care” to the patient. Most often this entails establishing that you were a patient under the medical professional’s care.

•The medical malpractice attorney must prove that there was a “breach of duty” to the patient when they made a serious error in your care. 

•The attorney will then need to prove that there is a causal connection to be made from the breach of duty to your injury, i.e. a medical scan that should have been ordered was not and your injury went undetected and worsened.

•Finally, the medical malpractice attorney must prove that you suffered serious injuries due to the medical professional’s error while in their care. We may find witnesses to corroborate your claim.

What Kinds of Cases Require A Medical Malpractice Attorney?

When it comes to medical malpractice, the collection of documentation and medical records can successfully make your case. It is up to you to keep track of all medical visits related to the malpractice and keep track of your medical costs incurred as well. Our medical malpractice lawyers in Delray Beach may use this information, along with other data to prove your case.  

Medical malpractice can be particularly challenging to prove. These cases often create lifelong difficulties. But at The Law Offices of John E. Mufson, we provide you with the best legal assistance that can make all the difference. The benefits of choosing a leading medical malpractice law firm like The Law Offices of John E. Mufson are unparalleled. 

Get Started Today!

So, don’t delay. If you believe you were the victim of a surgical injury, misdiagnosed broken bones or other conditions, hospital-acquired infections or birthing injury, improperly prescribed drugs and below standard treatment, call The Law Office of John E. Mufson today.  Our team works extremely hard to get you the compensation you deserve. Our goal is to seek damages and win the maximum compensation to cover your pain and suffering, emotional distress, and lost wages. Don’t you deserve the most dedicated legal assistance available in South Florida? Then schedule a free consultation with our knowledgeable medical malpractice lawyers in Delray Beach today at (561) 272-1003.

Get the Compensation Your Deserve for Your Pain and Suffering by Contacting the #1 Injury Claims Attorney in Delray Beach Today!

Have you or a loved one been involved in an accident that’s caused serious injuries or even loss of life? A serious injury can leave you out of work for months and without a source of income. If you are suffering, you need the best team of experienced personal injury claims attorneys in Delray Beach on your side. At The Law Offices of John E. Mufson, we can help you get the compensation you deserve and ease the financial burden on you and your family. We will assist you in obtaining a just and fair settlement for your pain and suffering, and any financial losses including medical expenses. At The Law Offices of John E. Mufson, we offer comprehensive legal assistance that covers a wide range of areas. That’s because our dedicated team of personal injury claims attorneys have years of experience and knowledge to help craft you a winning case.

“What can I expect from a personal injury suit?”

Were you or your loved one a victim of a car accident, medical negligence, or assault? At The Law Offices of John E. Mufson, we’re proud to have experience in a wide range of areas that include medical malpractice; wrongful death; vehicle accidents; slip & fall accidents; birth injuries; catastrophic injuries, and more. Serious injuries can create lifelong challenges that are truly overwhelming not only for you but for your entire family. When another party is responsible, it’s important to file a personal injury claim right away with a top personal injury claims attorney in Delray Beach. There is a time limit on personal injury claims in Florida, so contact The Law Offices of John E. Mufson as soon as possible so we can help sort out your claim making sure you have all of the facts and necessary documents to prove your case.

“What can I do to help my personal injury claim run smoother?”

Proper documentation of the accident scene can help with most cases. It’s also important to avoid signing any paperwork before speaking with our personal injury claims attorneys in Delray Beach. We can assist with your personal injury case whatever it may be. When it comes to medical malpractice, documentation, and retention of paperwork and medical records is the key to proving your case. We advise you to keep track of all case-related medical visits and your expenses as well. Slip and fall cases are another common type of personal injury case. But, they can be particularly challenging to prove. Again, photographing the scene, making sure not to sign anything without your attorney’s advice, keeping track of related costs, and documenting lost wages are important aspects to creating a winning case.

Contact Us Today

It’s very easy to get started. You’ll begin your time in our office with a free consultation to help us get a better feel for the specifics of your case. If we decide that you have a valid claim and we decide to take on your case, rest assured that you will be in great hands. At The Law Offices of John E. Mufson, we are even available evenings and weekends for your convenience. Rest assured that our exceptionally skilled compassionate and dedicated legal team will work tirelessly on your behalf.  Our personal injury claims attorneys in Delray Beach and help with filing paperwork, navigating the court system, and many other aspects of litigation. Of course, each case is different, but then again, we are not just any cookie-cutter law firm. We give every client the personalized attention they deserve. That means we don’t give your case to our assistant after we speak, you get a qualified attorney to lead your case from beginning to end. To find out more, call us at (561) 272-1003 for a free confidential consultation. We know what a stressful time this can be for you and your family—and we are here to help you make sense of everything.

Talk to the Top Slip and Fall Injury Lawyer in Delray Beach Today and Get the Justice You Deserve!

Accidents happen every day of the week. You may think nothing of it when it’s just a little scratch, ankle twist, or bruise, but when your fall is caused by the neglect of another, you may be entitled to sue for damages depending on the situation. Sure, we’ve all fallen in our home on the stairs or on a children’s block toy, but when you slip and fall on a property that is outside of your home, someone other than yourself just might be at fault. You may have fallen on a wet floor in a department store because their yellow caution sign wasn’t in plain sight, or you may have slipped and fallen on a cracked sidewalk in front of someone’s home or at a construction site that didn’t bother to post a danger sign. All of these circumstances may result in sprains or broken bones or even something more serious that lands you in the emergency room at the hospital. While we’d like to avoid these situations at all costs, they do happen and when they do, you’ll want to call the leading slip and fall injury lawyer in Delray Beach–The Law Offices of John E. Mufson. We employ a team of exceptionally skilled attorneys who specialize in slip and fall injury cases. They will be able to advise you best if you think you have a slip and fall suit. 

Is there anything I can do to help you prove a slip and fall accident in Delray Beach?

In a slip and fall accident, Florida law states that the plaintiff (you) must be able to prove that you suffered serious injuries that resulted in lost wages from time away from work, medical bills and not to mention your pain and suffering both emotionally and physically. At the Law Offices of John E. Mufson, we’ve got your back. We are known as a top slip and fall injury lawyer in Delray Beach. We will help gather enough evidence to prove your slip and fall accident in a court of law. It goes without saying that there is a lot of complicated paperwork for us to process, but there are some things you can do right away to help us begin the process:  

•Remain calm. The first thing you should do is remain calm and then take stock of your injuries. Call your loved one for help if you are alone.

•Seek medical treatment.  This should be the number one concern and the medical records will serve as documented proof of your injuries.

•Take photos. Take photos of the exact scene where you fell and get witness statements if available. Document what happened — Jot down the exact time and date. 

•Report the accident. Report the accident immediately to the store manager, restaurant owner, homeowner, etc. Again, get all names of those involved and addresses and names of owners.

•Call a qualified slips and fall injury attorney like the dedicated team at The Law Offices of John E. Mufson. This type of lawsuit of best left to an experienced legal team to prove. We have the necessary resources and years of experience to help you validate your claim.

How do I get started?

If you think you may have a case, you owe it to yourself to get the compensation you deserve for your pain and suffering. You’ll find the best slip and fall injury lawyers in Delray Beach at The Law Offices of John E. Mufson.  We are available to you 24/7 to give your case the attention it deserves. You should be aware that Florida has limits on the time you can file your claim, so time is of the essence. When you call our dedicated team to help prove your slip and fall case you’ll get no-nonsense advice and real answers. Why not call us today to schedule a free, no-obligation consultation in person or by phone. We are here to give you the best help you need to fight for your rights, whenever you need us.

Essential Personal Injury Advice from the Top Personal Injury Lawyer in Delray Beach

Most of the time personal injuries are about more than just the physical injuries you’re facing. These cases are unfortunately often accompanied by lost wages and outrageous medical bills which lead to financial stress. For these and other reasons, it may be in your best interest to seek out justice to be compensated for your pain and suffering. Are you looking for a personal injury lawyer in Delray Beach that has a stellar reputation in the South Florida community? 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 we have been doing this work long enough to know that 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. You may be surprised to learn that you have a good case. Our team of experienced and dedicated lawyers is here to help you figure out all your legal options.

 Why choose the leading personal injury lawyers in Delray Beach?

It’s true that there are many qualified personal injury lawyers in Delray Beach; the exceptional team at The Law Offices of John E. Mufson clearly stands out from the rest. We take a customized approach to your personal 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 in Delray Beach are here to help with your case 24/7.

Our practice focuses on such areas as:

• Automobile, motorcycle and truck accidents

• Slip and Fall Accidents

• Negligence

• Birthing injuries

• Exposure to toxic chemicals

• Medical Malpractice

• Product Liability

• Wrongful Death

And much more

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. Rest assured that the legal team at The Law Offices of John E. Mufson and will be at your side from the beginning to the end of the case. Often, it takes time to investigate these cases and that leads to a long time in between communication at some firms—but not with us. 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 any time you need us. Our dedicated personal injury lawyers are the most dedicated in the industry. Our expertise combined with years of in-depth knowledge acquired by trying numerous personal injury cases successfully is what makes us the best at what we do.

Contact Us Today!

If you or a loved one has been injured recently and you think you might have a good personal injury case, then reach out to the personal injury lawyers in Delray Beach at The Law Offices of John E. Mufson for immediate assistance. 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 Law Offices of John E. Mufson is dedicated to meeting your legal needs. We understand how overwhelming personal injury cases can be and we guarantee that we will make the legal process easy for you. We do it all for you so you can go about the business of getting well. We offer the best legal support and services for your case. So, call us today at (561) 272-1003 to schedule your free, no-obligation consultation with our personal injury lawyers in Delray Beach.

Trust the #1 Slip and Fall Injury Lawyers in Delray Beach to Win Your Case

A slip and fall accident can happen to any of us at any time. Senior citizens are especially vulnerable to a fall on cracked pavements or wet floors in a store. Falling down in front of an audience of others can be embarrassing not to mention upsetting. Most of the time it’s not too serious, so we get up and brush ourselves off and walk away happy in the knowledge that not many people saw the incident and most importantly, that we are not too badly hurt. But what if you can’t just get up and walk away? What if you actually broke your leg or hurt another part of your body that now makes it impossible for you to walk? That’s when a call to a trusted slip and fall injury lawyer in Delray Beach is a smart option. At The Law Offices of John E. Mufson, we know that someone is responsible for your accident and it will be up to us to fight for your rights so that you can be compensated for your medical bills, lost wages, and especially for your pain and suffering. Slip and fall cases can be complex to prove, but when you contact the legal team at The Law Offices of John E. Mufson team, you can be sure that you will get best assistance for your case from start to finish. 

I’ve fallen and I can’t get up

If you’re an elderly person, sometimes slip and fall accidents can be detrimental to your health and well-being. You may not have been in the best shape to begin with, and now you’ll definitely need to go to the hospital to get treatment. Slip and fall cases can be particularly jarring, and since we often leave the scene without documenting the evidence, here are a few things you or a loved can do to help jump-start your case before we determine who is culpable:

1.    Photograph the scene – remember to document everything. If you’re called the police or paramedics you will probably have to fill out some sort of report which we’ll need for evidence later to build your case.

2.    Do Not Sign Anything – the store owner or owner of the property might want you to sign something that excuses him or her from liability. Before you sign anything, first make sure to speak with a trusted slip and fall injury lawyer in Delray Beach like the team at The Law Offices of John E. Mufson.

3.    Keeping Track of Related Medical Costs – If you are taken to the hospital or need to visit a medical professional on your own, it’s best to document all the expenses so that when we present your case, we will have a sense of how much compensation we will need to fight for.

4.    Documenting Lost Wages – Make sure to write down all of your lost wages and expenses. Unfortunately, an injury from a slip and fall case often means that you’ll be out of work for an extended period of time. That’s why you’ll want to call an experienced slip and fall injury lawyer to make sure you get the maximum compensation you deserve.

Help is just a phone call away

If you’ve been injured in a slip and fall accident, help is on the way. Most slip and fall cases can be complicated, but the dedicated compassionate law team at The Law Offices of John E. Mufson is here to help. We are the best slip and fall injury lawyer in Delray Beach because we have years of experience and skill plus the stellar reputation to get the job done efficiently. Auto accidents, slip and fall cases, personal injury, and medical malpractice suits are just a few of the cases we can take on for you at The Law Offices of John E. Mufson. Wondering how our slip and fall injury lawyers in Delray Beach can help you? Then schedule your free, no-obligation consultation to speak with one of our expert lawyers today! Call us at (561) 272-1003, 24/7, and set up an appointment.

When Times are Tough, Call on the Most Experienced Bankruptcy Law Firm in Delray Beach

It’s a fact that today that Americans are piling up more credit card debt than ever. In fact, the average household in America has at least $15,000 worth of debt. You’re probably thinking it only happens to those who are down on their luck, but it can happen to anyone–even you. Not everyone knows how to manage their money–bills pile up and at some point, it just becomes impossible to make ends meet. At The Law Offices of John E. Mufson, we know how difficult it can be to manage your bills, credit card debt, medical expenses, and the daily cost of living. It is a fact that most Americans today spend more than they make.  If you’re fed up with calls from creditors or if you’re struggling to pay your bills on time each month, you might want to consider filing for bankruptcy, but only as a last resort. Reach out to the experienced bankruptcy law firm in Delray Beach. Reach out to the legal professionals at The Law Offices of John E. Mufson, to see what your options are. 

How do I file For Bankruptcy?

The thought of filing for bankruptcy can be frightening let alone having to actually go through with it. Just the mere word can send shivers of panic down your spine. So, in trying times like these it’s best to take a deep breath and consider what your options are. After all, whether you’re filing Chapter 7, 11 or 13, the process can be complicated and best left to an experienced bankruptcy law firm like The Law Offices of John E. Mufson. It’s always in your best interest to find legal guidance for this matter because chances are your debt situation may not be as bad as you think. The compassionate team at The Law Offices of John E. Mufson is here to help you understand and consider all your options when it comes to filing for bankruptcy or not.

What are my best bankruptcy options? Chapter 7, Chapter 11, or Chapter 13? 

All these bankruptcy options are available to individuals, but usually filing Chapter 13 makes the most sense. Let’s break it down here and see why:

•    Chapter 7 – If you file this type of bankruptcy you are required to liquidate all of your assets to quickly pay off your debts. No payment plan is needed as all of the liquidated assets will be enough to cover your debt. If you owe far more than you could ever fathom paying back, then you may be a candidate for Chapter 7 bankruptcy. 

•    Chapter 11 – Mainly pertaining to businesses, but can also be applied to an individual, this type of bankruptcy is also a possibility. Essentially, a repayment plan is created to help reduce your debt. The case must be agreed to by your creditors and confirmed in court. Chapter 11 usually makes sense for individuals or businesses with a very large amount of debt to pay back. 

•    Chapter 13 – This type of bankruptcy is most commonly filed by individuals who have under $400,000 or less worth of unsecured debt. In this scenario, you keep your property in exchange for paying creditors your disposable income over a three to five-year repayment plan. Your creditors are required to stop all collection notices and you may even get your debt reduced or even wiped out completely. 

As you can see, filing for bankruptcy is a complex matter best left to a professional to handle.  At The Law Offices of John E. Mufson, we can help you regain your life and be free from debt once more. Don’t you owe it to yourself and your family to make this major financial change? You can count on the best bankruptcy law firm in Delray Beach to see you through this difficult time. Our exceptional team provides invaluable assistance, guidance, and representation to help dig you out of debt. To get started, please call us at (561) 272-1003 to schedule a free, no-obligation consultation in person or by phone.

Trust Your Case to the Best Car Accident Lawyer in Delray Beach

If you’ve been injured in an auto accident recently and are still recovering from your injuries, it’s important to find a reliable attorney as soon as possible to represent you. At The Law Offices of John E. Mufson, our dedicated team is focused on providing the best possible legal assistance for all accidents that involve motor vehicles, whether it’s auto, motorcycle, RV, or boat. If you have been injured in any way, you deserve a competent law team to fight for your rights. Calling an attorney should be one of your first steps even before you call your insurance company.  Working with one of our experienced car accident lawyers in Delray Beach can make all of the difference between mediocre representation and a team that will aggressively pursue the highest amount of monetary compensation for you with your insurance company. Some of the other things our team can help you with include:

•    Thorough accident scene documentation with photographs

•    Obtaining the police report

•    Obtaining medical records

•    Lawsuit development and representation in court

•    Negotiation with your insurance company for the highest monetary settlement.

There are many different aspects of an auto accident claim that must be considered when you’re dealing with your insurance company. The car accident lawyers at The Law Offices of John E. Mufson are here to make your life easier.  We can help you make sense of all the legalese and to navigate every aspect of your case, especially in court. But one of our goals is always to settle your claim before it actually goes to court. We know that dealing with insurance companies, retaining the right documentation, and pursuing the best avenues for settlement can seem challenging at best. But with a knowledgeable car accident attorney in Delray Beach on your side, you’re guaranteed to come out on the winning end financially.

We work to get you the best possible outcome.

Every case is different, and the legal team at The Law Offices of John E. Mufson, are extremely adept at handling a variety of vehicle accident scenarios. Our dedicated car accident lawyers in Delray Beach will work tirelessly to settle your case with the best possible result. This often includes pursuing financial settlements for: 

  1. Car repair 
  2. Pain and suffering 
  3. Lost wages /workman’s comp
  4. Hospital and medical bills

Trust the legal team who cares.

When your car accident was clearly the fault of another, it’s important to hire the best car accident lawyer in Delray Beach to aggressively prove your case. Look no further than the exceptional legal team at The Law Offices of John E. Mufson. Our car accident lawyers in Delray Beach are dedicated compassionate individuals who care about making sure you get the compensation you deserve for your pain and suffering. Call us at (561) 272-1003 for your no-obligation, free consultation to learn how we can best help you. We are here 24/7, so call us today. We have the legal resources and years of experience needed to help win your case by giving it the attention it deserves!

How Can I Get Out of Debt Without Losing Everything I Own?

If you’re thinking about filing for bankruptcy, it’s nothing to be ashamed about. In fact, the average American has about $38,000 on average in personal debt excluding home mortgages. The truth is that it happens to people from all walks of life. Sometimes bills pile up and it just becomes impossible to make ends meet. At The Law Office of John E. Mufson, we know how tough it can be to manage your bills, credit card debt, student loans, medical expenses and just the daily cost of living in our materialistic society. If you owe far more than you make, if you’re fed up with calls from creditors or if you’re constantly worrying about your medical bills and inability to pay back your student loans, don’t despair, help is available. Call on a professional bankruptcy law firm in Delray Beach like The Law Office of John E. Mufson. We have a great success record and we’re considered one of the best bankruptcy law firms in Delray Beach.

How does bankruptcy work exactly?

Filing the paperwork for bankruptcy can be tedious and complicated, which is why it’s vital to engage the legal guidance and support of an experienced bankruptcy law firm in Delray Beach. The skilled bankruptcy attorneys at the Law Office of John E. Mufson can discuss all of your options when it comes to filing for bankruptcy and the best options to choose from.  

What are my bankruptcy options?

There are a few different types of bankruptcies and one may be a better choice for individuals and another may be a better choice for business owners. These are considered the most sensible bankruptcy options: 

Chapter 7 is a type of bankruptcy that an individual can file. If you owe far more than you can pay back, then you may be a candidate for Chapter 7 bankruptcy. Here, assets are exchanged for exemption of debts. Essentially your credit card debts, medical bills, and other debts are wiped completely clean. You are not required to set up a payment plan, but instead, you exchange nonexempt assets for debt liquidation.  

Chapter 13 is the best choice for many individuals. If you have the financial ability to pay off some of your debts but not all of your balances, then Chapter 13 may be the right fit for you. This form of bankruptcy involves a debt restructuring plan. Your income, debt, and expenses are analyzed, then your debts are restructured into payment amounts and cycles that match your financial capabilities. This means that with the help of Chapter 13 bankruptcy, you pay back only a small portion of your debt, a portion that won’t cost more than you can handle. The leftover balances after the Chapter 13 payment period can simply be wiped clean in many cases. 

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 Office of John E. Mufson help you get rid of your debt and 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.    

Do I Need a Foreclosure Defense Attorney in Delray Beach?

While the housing market is somewhat stable today with interest rates still at all-time lows, statistics show that with 1 in every 1230 Florida houses sold, a homeowner will receive a notice of foreclosure. Ifyou’re a South Florida homeowner that received a foreclosure notice recently, you’ll want to contact a great foreclosure attorney in Delray Beach right away to get you through this difficult time. When you’re facing the threat of a foreclosure or have just received a foreclosure notice, it’s time to call the Law Offices of John E. Mufson. With our help, you can work towards the most effective foreclosure defense possible, preserving your assets, your finances and your even your home. Foreclosure defense can seem overwhelming, but with a foreclosure attorney in Delray Beach on your side, you can rest assured that we will have your best interests at heart.

Options to consider when facing foreclosure

There are some options to consider before giving up. First, your attorney should take the time to consider your financial needs and goals. There are different paths you can take when you’re faced withthe possibility of foreclosure on your home like:

  • Consider a loan modification – This does not always work in your favor as the loan may end up costing you more in interest over time. But it is an option to buy you more time.
  • Consider forgive a payment or two – sometimes a lender might forgive a payment or two if you promise to remain current on all future payments. It’s worth a try in any case.
  • Consider a repayment plan – this may buy you some time to come up with a payment plan that works for everyone. Spreading payments out over a set amount of time may be a viable option.
  • Consider a short sale – a short sale can be a great alternative to foreclosure. Essentially it is asking your lender to take less what than they are owed on the balance of the mortgage loan.
  • Deed in lieu – in this type of foreclosure the deed to your home is signed over to the bank. You just walk away. But not so fast. Although this will leave you free and clear of your debt, it will destroy your credit rating and make it impossible to purchase a home for years to come. When considering this option or any alternative to foreclosure, it’s best to speak with a foreclosure attorney in Delray Beach like the experienced legal team at the Law Offices of John. E. Mufson.Some of these options are viable alternatives to foreclosure that may be ideal for individuals looking to save themselves from the stress of a monthly mortgage. You may forfeit your home but in exchange for minimal to nonexistent impacts on your credit score and the ability to purchase a new home in the future. While it’s important to take the time to consider your best approach towards foreclosure, it’s important to find the best legal counsel quickly to ensure you fight your foreclosure with viable alternatives in a timely manner. If you’ve received a notice of foreclosure, or if you know that one will be coming soon, reach out to our team at the Law Offices of John E. Mufson today. We will help you devise a plan of action that works for you, then walk you through it from start to finish. To get started with your free consultation, please call our law office at (561) 272-1003. You’ll be glad you did!

Harassed by Creditors? How Bankruptcy Can Protect You!

We all the old song and dance: a number you don’t recognize pops up on your phone and you stare at it debating if you should answer. It could be a friend or family member with a new number you haven’t saved yet. More likely, it’s an unsolicited caller attempting to sell you a product or service. For people living with credit debt, those calls can be frustrating and cause anxiety. Having creditors hound you for funds you don’t have keeps you in a cycle of financial stress that seems impossible to escape.  

Creditors call at any time of the day, using shady tactics to get you to answer and to keep you on the phone. These agents make false claims and threats to try and force your hand to collect on debts. Harassing calls can make you hesitant to answer the phone, causing you to miss important information or job opportunities.  

Stop the harassment and reclaim control of your life now. Here’s how filing bankruptcy can help. 

What is Bankruptcy? 

The word bankruptcy strikes fear in many people, yet most don’t actually understand what it is. Bankruptcy is a means of consolidating and eliminating debt through a legal agreement with your creditors. Depending on the type of bankruptcy filed, a bankruptcy law firm in Delray Beach can help you find a solution to your specific situation. 

The most common forms of bankruptcy are Chapter 7 and Chapter 13 bankruptcies.  

Chapter 7: liquidation of assets to eliminate unsecured debts. Chapter 7 bankruptcies are used for businesses, couples, and individuals who qualify under state specific guidelines.  

Chapter 13: development of a repayment plan spanning three to five years. Chapter 13 bankruptcies allow people with a steady monthly income to eliminate debts through repayment. With manageable monthly payments and a structured repayment plan, this form of debt solution in Delray Beach is the most common.  

How Bankruptcy Ends Harassment 

Filing for bankruptcy provides certain legal protections that help to prevent creditors from going after you in certain ways. Once bankruptcy is filed, creditors must go through the proper legal channels to settle their debts.  

Bankruptcy filing protects you against: 

Property Liens: Debts owed on home or car loans can give creditors the ability to place a lien on that property. A lien means you cannot sell or trade said property until the debt you owe is settled. Through bankruptcy filing, your creditor cannot prevent the transfer of ownership of the property. This is especially important for asset liquidation used toward elimination of debt.  

Foreclosure: As with property liens, foreclosure is an action taken against your property in an attempt to collect on a debt. Foreclosure is an attempt for a home loan provider to take ownership in order to settle mortgage debt. Bankruptcy filings prevent foreclosure proceedings to keep you and your property protected. 

Eviction: Because bankruptcy filing prevents foreclosure, it also protects against eviction from your property, keeping you and your family in your home. A bankruptcy law firm in Delray Beach like the Law Offices of John E. Mufson can guide you through this process.  

Repossession: In the same way that bankruptcy prevents foreclosure and eviction, it protects against repossession of motor vehicles and other collateral property.  

Harassing Phone Calls: Legally, once bankruptcy has been filed and proceedings begin, your creditors can no longer contact you in an effort to collect those debts. Doing so is in violation of the law and carries heavy fines. If the calls continue, gather as much information as you can including specifics of when and who the caller represents. Bring this information to a bankruptcy law firm in Delray Beach so they can ensure your rights are honored. 

If you are getting harassed by creditors and considering filing for bankruptcy, contact the Law Offices of John E. Mufson now.