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Debt Relief is Possible

Dealing with Creditors

Jacksonville Bankruptcy Lawyers Can Protect Your Consumer Rights

Owenby Law, P.A. represents clients in their negotiations with creditors, collections agencies, and their representatives. Our lawyers are effective in stopping credit collection harassment and negotiating settlements between debtors and creditors. We are an effective and professional team and are familiar with the federal and state laws governing debt collection, as well as what constitutes an acceptable compromise to our clients' creditors.

Contact us immediately to discuss your financial situation and learn how we can help with your creditor interactions.

Using an Attorney to Deal with Your Creditors

When you begin to fall behind on your monthly payments, your creditors are aware that you may wind up defaulting on your debt. All lenders recognize that this is a possibility when they extend you credit, but that doesn’t mean that they won’t try to recover as much of the remainder of your debt as possible.

Creditors may start out with a reminder notice, but will quickly escalate to phone calls if you do not respond or bring your account current. Credit collection practices are regulated by state and federal law, but collections agents will often bend or break the rules. At Owenby Law, P.A., we make sure that our clients are not harassed by debt collectors, and our attorneys hold lenders accountable for the actions of their collections employees.

Retaining the services of an experienced bankruptcy attorney can be beneficial in several ways:

  • Utilizing an attorney lets creditors know that you are taking your financial situation seriously
  • When your creditors know that you are represented by a lawyer, they are aware that non-compliance with credit collection laws will not be tolerated
  • Creditors are more likely to negotiate favorable settlements with an experienced attorney
  • A credit counseling lawyer with experience in Chapter 7 and Chapter 13 can inform you when it is in your best interest to try to continue to work with creditors and when you should consider declaring bankruptcy

Learn More About Your Options During a FREE Consultation

Our firm understands that facing creditors and debt collection can be an overwhelming experience.

To learn how our experienced legal team can help you in this process, contact Owenby Law, P.A. for a FREE consultation. Our lawyers serve clients throughout North Florida from offices in Jacksonville and Orange Park.

The Benefits of Hiring Owenby Law, P.A.

  • Free Initial Consultations
  • Successfully Handled Thousands of Cases
  • Backed by Over 18 Years of Experience
  • Personalized, Results-Oriented Representation
  • A Team of Compassionate Advocates On Your Side
  • Flexible Payment Plans Available