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Our main priority is to provide you with experienced and aggressive legal representation. While banks and big business work to protect their bottom line, we work to protect your future. Our debt relief attorneys can help.

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At Boss Law, our Florida bankruptcy lawyers strive to enhance our clients’ quality of life by carefully planning and implementing legal debt relief strategies tailor made to each individual situation. We will educate you on all possible options: debt relief, debt consolidation, bankruptcy, and offer our advice only after performing exhaustive research learning the details of your case.

 

A free debt relief consultation will help you determine which strategy is best for you. As your Florida debt and bankruptcy attorney, we will bring experience and a personal touch to help guide you through the best possible course of action, with honest advice and accurate information.

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At Boss Law, we are dedicated to protecting you and your future by ensuring that your rights are properly observed and respected. We use a unique blend of legal strategies and insider knowledge to help all of our clients in their time of need. We understand that being in debt is extremely overwhelming and we aim to make the experience as smooth and effortless as possible.

 

We are here to answer all of your questions and to help provide assurance in times of suffering and uncertainty. An initial consultation is always free and will help answer all your big questions. We will discuss your situation, your options, and suggest the best route to take.

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With debt negotiations and litigation there will always be some degree of uncertainty. We know that some situations seem impossible to get out of, that’s why we aim for the best settlement possible before filing bankruptcy. Unlike many other debt relief agencies, we are a law firm with the knowledge, experience, and ability to help you through every step of:

• Foreclosure Defense
• Student Loans
• Debt Negotiations
• Creditor Lawsuits
• Short Sales
• Debt Settlement
• Creditor Harassment
• Bankruptcy

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Contrary to popular belief, bankruptcy is not a “cure-all” solution to debt problems. In some cases, bankruptcy can actually make matters worse. It is important to consult with an experienced attorney before considering bankruptcy. Some debts may not be discharged through bankruptcy and even after a necessary bankruptcy, the effects can last decades.

 

Bankruptcy leaves a 7 year long black mark on your credit report and will further damage your credit score, making it difficult if not impossible to borrow money again for quite some time. For many Floridians, bankruptcy has been a savior, but it isn’t right for everyone.

 

Chapter 13 bankruptcy, or as it is commonly referred to as, the “wage earner’s plan,” combines all unsecured debts, such as medical bills and credit cards, and creates a court-approved repayment plan. Under this form of bankruptcy, a person may keep their assets. Payments will be made every month for 3-5 years, often times interest free, with any remaining debt being discharged or eliminated. Chapter 13 is an effective method to stop foreclosure, catch up on late bills, and restructure loans to better pay off your debts.

 

Chapter 7 bankruptcy is mainly for business owners, but is available to individuals in certain cases. This form wipes away all debts and gives the debtor a clean start, but may require any non-exempt assets to be liquidated and used to pay off some of the debts. However, a skilled attorney can help the borrower keep essential assets like a residence or vehicle. It also protects retirement accounts, benefits, savings, and pensions.

 

Boss Law represents borrowers with:

 

  • Chapter 7
  • Chapter 13
  • Businesses and Individuals

Since the downturn of the economy, one business is still booming; debt. Foreclosures, student loans, and unemployment are all high, while wages stay flat or decrease. The use of credit cards to help make ends meet seems to be the only consistent factor with the economy. As credit card use continues to increase, so does overall debt.

 

Today, more Americans than ever are stuck in cycle of debt. So much so that the stigma attached to debt and bankruptcy has almost completely dissolved. We understand that when it comes to controlling your debts, your situation may seem impossible. Debt settlement and negotiations can be complex and stressful and without proper representation, can easily get out of hand.

 

At Boss Law, our experienced debt relief attorneys offer free consultations to help you make sense of all your options and answer any of your big questions. Once you become a client, creditors will no longer be allowed to contact or harass you. Doing so is a direct violation of federal law. Any calls or correspondence from your creditors will go directly to our legal staff, which will handle and negotiate your case with your creditors.

 

Our attorneys can skillfully settle your debt for a reduced amount or propose a payment plan for a specific period of time. Our attorneys have backgrounds in finance and accounting and are familiar with the compliances required for creditors and any remedies available in case of violations.

 

Unlike many debt relief agencies, Boss Law creates a tailor made financial plan to help you emerge out of debt. We offer a variety of options to help you settle your debts and often use a unique blend of multiple strategies. Boss Law offers:

 

  • Debt Relief
  • Debt Settlement
  • Debt Negotiation
  • Debt Consolidation
  • Credit Repair

A foreclosure can be devastating; not just for the homeowner, but for the country as a whole. In today’s economy, even affordable housing is not that affordable and any disruption in pay can start a domino effect with debt.

 

Many people find themselves “underwater” on their mortgage. This occurs when the remaining balance of the mortgage exceeds the market value of the home. In Florida, over a quarter of homes are considered underwater. Using new guidelines provided by Mr. Obama’s Home Affordable Refinance Program, we can negotiate a modification with your lender to reduce your monthly mortgage payments by hundreds.

 

Your mortgage is the most expensive bill and it is also the most important. One missed payment can lead to foreclosure. If you, for any reason, expect you may be behind or miss a payment; speak to your lender immediately. Explaining a financial hardship and making up the payment is easier and cheaper than trying to defend a foreclosure once the process has already begun.

 

If you have already been served a notice of default from your lender, you only have 20 days to respond. If not, the case will be awarded to your lender automatically. When your case has a court date, you must make sure that you are properly represented by an experienced debt relief attorney.

 

In court, a judge, who knows very little about you and your situation, will make the final decision on whether you keep your home or not. If you are not sufficiently represented, your case can turn ugly, fast. Our attorneys can successfully negotiate a settlement with the lender’s attorney out of court, saving you time and money.

 

Boss Law offers support and representation for:

 

  • Foreclosures
  • Short Sales
  • Loan Modification
  • Home Loan “Re-modification”
  • Deed in Lieu

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