Consumer Financial Protection Bureau issues new arbitration rule

By Marrero, Chamizo, Marcer Law, LP,

Most Florida debtors know that financial institutions do not issue credit cards until consumers have agreed to a long list of terms. These conditions often include provisions that require any debt relief disputes to be settled through binding arbitration. Lenders prefer arbitration because it is less public, less expensive and more predictable than traditional litigation….

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How to stop creditor harassment in Florida

By Marrero, Chamizo, Marcer Law, LP,

Being in severe debt is unpleasant and stressful enough without creditors calling you nonstop. Creditor harassment from debt collectors not only makes the situation worse but is also illegal due to the Fair Debt Collection Practices Act. You do not have to suffer through such treatment regardless of how much money you owe and your…

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Importance of a timely proof of claim

By Marrero, Chamizo, Marcer Law, LP,

Florida residents may be interested in a Chapter 13 bankruptcy case involving a creditor with a lien on a debtor’s property due to unpaid property taxes. The creditor was denied the ability to collect as part of the bankruptcy claim due to specific filing rules on filing a proof of claim for Chapter 13 cases….

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Innovative startup wants to relieve medical debt load

By Marrero, Chamizo, Marcer Law, LP,

Unpaid medical bills can take a toll on your life just like the burden on many Florida residents. That’s especially true for Florida Residents without health insurance. People who have insurance are also likely to be affected by high insurance deductibles and copays. However, a startup company called Better was recently formed to help people…

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