Category: Debt Relief


Unmanageable Debt Solutions

By Marrero, Chamizo, Marcer Law, LP,

If you are struggling with Unmanageable Debt, you are not alone. There are many unexpected events in life that can affect your finances. Thankfully, there are Bankruptcy laws to help resolve your debt problems. At Marrero, Chamizo, Marcer Law, our Attorneys offer over 30 years of experience and a solid record of success to help…

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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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Debt Settlement Companies Ordered to Cease Activities

By Marrero, Chamizo, Marcer Law, LP,

Our Debt Settlement Attorney Florida Lawyers have seen first hand just how many customers of debt settlement companies are mislead about debt relief. According to the attorney general of Florida and the Federal Trade Commission, they have obtained a court order that requires 11 companies to immediately cease all of their debt settlement activities in…

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Illegal Debt Collection Methods

By Marrero, Chamizo, Marcer Law, LP,

If you have ever fallen behind on your bills, you may have firsthand knowledge of just how aggressive a debt collector can be in their collection tactics. While they are within their rights to attempt to collect any money owed to them, creditors and debt collectors may not use illegal debt collection methods considered unlawful…

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More high-income debtors choosing Chapter 11 bankruptcy

By Marrero, Chamizo, Marcer Law, LP,

When Florida debtors qualify for Chapter 13 bankruptcy, they might still choose to file under Chapter 11. Despite the greater expenses and complications of Chapter 11, researchers discovered that increasing numbers of individuals were opting for Chapter 11 protection. The ABI Endownment Fund commissioned the study, which found that individuals were entering the Chapter 11…

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Are you the next target of a mortgage modification scam?

By Marrero, Chamizo, Marcer Law, LP,

Mortgage modifications are often wise options for people who are behind in their mortgage payments or who are interested in lowering their payments. Unfortunately, there are a lot of scam artists out there conning innocent homeowners. Florida Attorney General warns residents about scams Despite crackdowns on mortgage scam artists, Florida residents are still being targeted…

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Supreme Court sides with truck drivers in bankruptcy case

By Marrero, Chamizo, Marcer Law, LP,

When a Florida company files for bankruptcy, the workers might worry about receiving their salaries like the drivers who worked for Jevic Holding Corp. They had to take their case all the way to the Supreme Court of the United States after lower courts ignored their $8 million claim for damages while settling the Chapter…

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Reasons to pay off debt

By Marrero, Chamizo, Marcer Law, LP,

Some people in Florida who are in debt might think that paying it off as soon as possible is not important. So many people carry debt these days that it is often seen as normal to be hundreds or even thousands of dollars in debt. However, there are a number of reasons to get rid…

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How bill collectors pusue left-behind debt

By Marrero, Chamizo, Marcer Law, LP,

The deceptive practices and intimidating tactics of debt collection companies in Florida and around the country have been criticized by state prosecutors, federal regulators and consumer advocates alike. One approach that has drawn particular ire is the practice of leading the loved ones of deceased debtors to believe that they are responsible for clearing up…

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