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Turf Pro Synthetics - Artificial Grass Makes Cent$
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Safe for children and pets. Free of harsh chemicals and pesticides. Our synthetic artificial turf is easy to clean and easy to maintain and looks beautiful year-round.
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Professional Synthetic & Artificial Turf Installation Throughout The Tampa Bay Area And Florida
Turf Pro Synthetics designs, installs, repairs, and replaces artificial turf grass for residential and commercial projects.
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Suite 150
Two Maids & A Mop™ is the most popular, hardest working and most professional house cleaning company in the entire Clearwater, FL area. Our company started from very humble beginnings way back on April Fools' Day in 2003. Our first office was all of 200 square feet and it was located in a pretty rough neighborhood. I can still remember those ugly looking wood paneled walls. I can still remember that tiny little restroom. And unfortunately, I can still remember how dead our first week of business was back then. But we've learned a lot of since that first day back in 2003. The biggest thing we've learned is that cleaning houses means much more than just cleaning houses. I know that sounds a little crazy but just trust me - our customers simply expect something different from our company.
U.S. Window Cleaning is one of Florida's most respected names in professional window cleaning. Our certified window cleaning professionals have many years of experience in providing the best possible window washing service. We offer both commercial and residential window cleaning services. From apartments and business offices in high-rise buildings of Clearwater and surrounding areas, to the most beautiful residences, we provide efficient window cleaning for your priceless view!
Unreal Paver Seal has been a top paver sealing and pressure washing company in Florida since 2016. A family-owned company that you can trust to get the job done correctly and efficiently. We offer the highest customer satisfaction guarantee with genuine warranties for our services. We take pride in our work and strive to produce high-quality results.
US cool roofs utilizes professional management and business development affiliates to provide comprehensive customer service and technical support. We recognize that cool roof coatings is just ONE cost effective strategy that CAN help OUR customers reduce energy USE; realize recurring utility bill cost savings; improve SUSTAINABILITY performance; reduce preventative roof maintenance costs; and reduce capital outlay costs (I. E. . Prolonged life of existing roofs with warranties). We only utilize professional licensed roofer affiliates for the installation of OUR preferred high performing cool roof coating products. OUR cool roof coating manufacturers and professional licensed roofer affiliates provide roof warranties of 10 or more years for approved roofs. When appropriate and if it makes good financial sense for OUR customers. We CAN work with OUR professional affiliates and business partners to identify other effective and cost saving strategies to reduce their energy bills and other business operational and capital outlay costs. We recognize that NO ONE solution will meet the needs and financial situation of ALL OUR customers. We tailor OUR customer service and technical support to meet the needs of OUR individual clients.
"Vitale Homes is more than a builder"
Originally established as Suntech Properties, under the direction of the family’s first generation, the company delivered hundreds of homes within self-developed neighborhoods and master-planned communities along the Gulf Coast of Florida. Plus, several thriving commercial and retail parcel development and construction projects.
As the company evolved from Suntech Properties, Suntech Homes, and Suntech Communities, the opportunity came in 2016 to rebrand the company as Vitale Homes.
Now, with the vision of the second generation’s leadership, Michael Vitale brings a contemporary approach supported by the family’s wealth of experience and longevity.
As owner/president, Michael has the ability to respond adeptly to ever-changing market conditions and has the flexibility to provide homes to the first-time buyer through to the executive custom home buyer.
Michael Vitale not only has previous home construction experience but also served in the war zones of Kosovo and Afghanistan for the N.A.T.O. alliance. Michael, and his wife – also a successful contractor and homebuilder in her own right – and their daughter and son live locally.
Clearwater Bankruptcy Lawyer Jay Weller and The Weller Legal Group have been serving the Tampa Bay area:
- Clearwater,
- Port Richey,
- Lakeland,
- and Tampa, since 1993.
We provide legal services to help consumers resolve debt issues. We are the only Law Firm in the Tampa Bay area that provides every service related to debt, including:
- Chapter 7 Bankruptcy
- Chapter 13 Bankruptcy
- Corporate Reorganizations through Chapter 11
- Creditor Harassment Matters
- Settlements
- Loan Modifications
- Mediation
- Foreclosure Defense
- Credit Repair
Our Mission is to provide our clients with the best representation possible, in a manner that is both friendly and competent. Jay Weller Legal Group strives to give each client the best representation possible and afford each client the honesty, dignity, and respect they need and deserve in a difficult time.
Our firm's competent Clearwater bankruptcy lawyer will patiently analyze your entire case and suggest the best remedy for your current situation. The Jay Weller Legal Group provides such a wide array of services that we are certain to have a program that will suit your needs.
Types of Bankruptcy & Alternatives to Bankruptcy
Although the bad effects of Bankruptcy are often oversold or exaggerated in the popular media, Bankruptcy, either a Chapter 7 Bankruptcy, Chapter 11, or Chapter 13 Bankruptcy, can remedy many problems for those confronted with overwhelming Debts, Bankruptcy is not always the best solution. At Jay Weller Legal Group we have many alternatives to Bankruptcy that assist our Clients who are confronted with Debts.
Foreclosure Defense
In Florida, we have many distressed homeowners. For many of these homeowners, they have few outstanding Debts other than their Mortgage. Many have tried to negotiate with the Lender to attempt Loan Modifications or other relief. For a homeowner facing Foreclosure, Jay Weller Legal Group is one of the pioneers in the area of Foreclosure Defense.
When a homeowner receives Service of Foreclosure papers, he must act fast because he may receive a Default in as little as 20 days. A Default essentially waives any Defenses or Counterclaims the homeowner may have against the Lender, as well as allows the Lender to rapidly Foreclose and take the house from the Borrower. Foreclosure Defense entails, as the name implies, Defending the Foreclosure on behalf of the Borrower or homeowner.
A Foreclosure that is not defended may be taken from the Borrower of the homeowner in as little as two or three months. Foreclosure Defense permits the homeowner not only to raise whatever Claims or Defenses he may have, some of which may have given rise to the Foreclosure in the first place. Second, Foreclosure Defense allows our office, with your participation, to attempt to secure a beneficial Mortgage Modification, that allows you to retain your home permanently if you so choose.
Depending upon whether your Mortgage is a government-backed or Private Loan, our office has been successful in helping our Clients receive Loan Modifications. There are many types of Mortgages. Some Mortgages allow us to arrange Principal Reductions, and others do not. Many Mortgages are eligible for lower monthly payments, reduced interest, and forgiveness. It is best to come to our office for a free consultation with Mr. Weller.
Settlements
Jay Weller Legal Group also helps many of our Clients through Settlements. Numerous companies advertise Settlements in which the Customer makes monthly payments and when enough money is accrued, the Settlement Company promises to disburse such monies by paying a one-time payment to that Creditor. Such payment is less than the Creditor is owed. However, the Creditor agrees to accept less than full payment, in Full Satisfaction of the Debt.
The companies that offer Debt Settlement Services through this method are often fraudulent. For the companies that are not fraudulent, the method that they use to Settle Debts is flawed. Because such companies demand such a low monthly payment, relative to the Debt, by the time the customer makes enough payments to have sufficient money for Settlement, the Debt is so seriously delinquent that it often already has gone to an Attorney for prosecution of a lawsuit.
The proper way to Settle an outstanding Unsecured Debt, such as a credit card is to make a lump-sum payment of anywhere from thirty to sixty percent of the balance, at approximately six months delinquent. If the Borrower is unable to Settle his Unsecured Debt in this fashion, it is best to look to other alternatives. Stay away from the “Debt Settlement Companies”.
Credit Counseling Service
Julian Consumer Counseling Service, a sister company of Jay Weller Legal Group, has been providing Credit Counseling services since 1997. Credit Counseling is a program in which a Credit Counseling Company with 501(c)(3) Status, may consolidate all your Credit Cards and some other Unsecured Debts, into a lowered monthly payment with a reduced interest rate. Through Credit Counseling, Julian Consumer Counseling may also re-age your account. To re-age an account means that after the Borrower makes three to six payments, the Lender will reflect that Account current on his credit and credit report.
Credit Counseling is still a good program for many of our Clients. However, the Concessions made by Creditors are not as beneficial as when Julian Consumer first started in 1997. If you make an appointment with our office, we can calculate your monthly payment and interest rate, based on the particular Creditors you may have.
Credit Repair
Credit Repair is a program that is beneficial either after the consummation of a Bankruptcy as a device to re-establish Credit or secondly, as a means to improve the Credit of a Non-Bankruptcy Debtor. Depending upon the age of the Debt, and other considerations, bad remarks may be removed from one’s Credit. Duplicate Remarks or Multiple Inquiries may also be diminished or eliminated. Good remarks may be added to one’s credit report. Mr. Weller would be happy to discuss with you the many ways we can together, improve your Credit and Credit Report.
Creditor sometimes, in their zeal to collect a Debt, will commit Acts that violate Federal or State Debt Collection Statutes. Jay Weller Legal Group will prosecute Creditors who continuously Harass our Clients. The Fair Debt Collection Practices Act (FDCPA) and its Florida equivalent, prohibit certain behaviors by Creditors or Debt Collectors. A Debt Collector may not call or contact a Borrower before a certain hour in the morning or after a certain hour at night. The Collector may not use:
- profane language,
- make unenforceable Threats such as promising Arrest or Imprisonment,
- contact family, friends, or neighbors,
- contact you at work if your employer does not invite such phone calls,
- and several other prohibitions.
The Damages can be quite substantial, depending upon the egregiousness of the conduct of the Debt Collector.
If you are interested in any of these alternatives to Bankruptcy or have any questions please contact Jay Weller Legal Group today at 1-800-407- 3328 (DEBT) for a free consultation with Mr. Weller.
Clearwater Bankruptcy Lawyer Jay Weller and The Weller Legal Group have been serving the Tampa Bay area:
- Clearwater,
- Port Richey,
- Lakeland,
- and Tampa, since 1993.
We provide legal services to help consumers resolve debt issues. We are the only Law Firm in the Tampa Bay area that provides every service related to debt, including:
- Chapter 7 Bankruptcy
- Chapter 13 Bankruptcy
- Corporate Reorganizations through Chapter 11
- Creditor Harassment Matters
- Settlements
- Loan Modifications
- Mediation
- Foreclosure Defense
- Credit Repair
Our Mission is to provide our clients with the best representation possible, in a manner that is both friendly and competent. Jay Weller Legal Group strives to give each client the best representation possible and afford each client the honesty, dignity, and respect they need and deserve in a difficult time.
Our firm's competent Clearwater bankruptcy lawyer will patiently analyze your entire case and suggest the best remedy for your current situation. The Jay Weller Legal Group provides such a wide array of services that we are certain to have a program that will suit your needs.
Types of Bankruptcy & Alternatives to Bankruptcy
Although the bad effects of Bankruptcy are often oversold or exaggerated in the popular media, Bankruptcy, either a Chapter 7 Bankruptcy, Chapter 11, or Chapter 13 Bankruptcy, can remedy many problems for those confronted with overwhelming Debts, Bankruptcy is not always the best solution. At Jay Weller Legal Group we have many alternatives to Bankruptcy that assist our Clients who are confronted with Debts.
Foreclosure Defense
In Florida, we have many distressed homeowners. For many of these homeowners, they have few outstanding Debts other than their Mortgage. Many have tried to negotiate with the Lender to attempt Loan Modifications or other relief. For a homeowner facing Foreclosure, Jay Weller Legal Group is one of the pioneers in the area of Foreclosure Defense.
When a homeowner receives Service of Foreclosure papers, he must act fast because he may receive a Default in as little as 20 days. A Default essentially waives any Defenses or Counterclaims the homeowner may have against the Lender, as well as allows the Lender to rapidly Foreclose and take the house from the Borrower. Foreclosure Defense entails, as the name implies, Defending the Foreclosure on behalf of the Borrower or homeowner.
A Foreclosure that is not defended may be taken from the Borrower of the homeowner in as little as two or three months. Foreclosure Defense permits the homeowner not only to raise whatever Claims or Defenses he may have, some of which may have given rise to the Foreclosure in the first place. Second, Foreclosure Defense allows our office, with your participation, to attempt to secure a beneficial Mortgage Modification, that allows you to retain your home permanently if you so choose.
Depending upon whether your Mortgage is a government-backed or Private Loan, our office has been successful in helping our Clients receive Loan Modifications. There are many types of Mortgages. Some Mortgages allow us to arrange Principal Reductions, and others do not. Many Mortgages are eligible for lower monthly payments, reduced interest, and forgiveness. It is best to come to our office for a free consultation with Mr. Weller.
Settlements
Jay Weller Legal Group also helps many of our Clients through Settlements. Numerous companies advertise Settlements in which the Customer makes monthly payments and when enough money is accrued, the Settlement Company promises to disburse such monies by paying a one-time payment to that Creditor. Such payment is less than the Creditor is owed. However, the Creditor agrees to accept less than full payment, in Full Satisfaction of the Debt.
The companies that offer Debt Settlement Services through this method are often fraudulent. For the companies that are not fraudulent, the method that they use to Settle Debts is flawed. Because such companies demand such a low monthly payment, relative to the Debt, by the time the customer makes enough payments to have sufficient money for Settlement, the Debt is so seriously delinquent that it often already has gone to an Attorney for prosecution of a lawsuit.
The proper way to Settle an outstanding Unsecured Debt, such as a credit card is to make a lump-sum payment of anywhere from thirty to sixty percent of the balance, at approximately six months delinquent. If the Borrower is unable to Settle his Unsecured Debt in this fashion, it is best to look to other alternatives. Stay away from the “Debt Settlement Companies”.
Credit Counseling Service
Julian Consumer Counseling Service, a sister company of Jay Weller Legal Group, has been providing Credit Counseling services since 1997. Credit Counseling is a program in which a Credit Counseling Company with 501(c)(3) Status, may consolidate all your Credit Cards and some other Unsecured Debts, into a lowered monthly payment with a reduced interest rate. Through Credit Counseling, Julian Consumer Counseling may also re-age your account. To re-age an account means that after the Borrower makes three to six payments, the Lender will reflect that Account current on his credit and credit report.
Credit Counseling is still a good program for many of our Clients. However, the Concessions made by Creditors are not as beneficial as when Julian Consumer first started in 1997. If you make an appointment with our office, we can calculate your monthly payment and interest rate, based on the particular Creditors you may have.
Credit Repair
Credit Repair is a program that is beneficial either after the consummation of a Bankruptcy as a device to re-establish Credit or secondly, as a means to improve the Credit of a Non-Bankruptcy Debtor. Depending upon the age of the Debt, and other considerations, bad remarks may be removed from one’s Credit. Duplicate Remarks or Multiple Inquiries may also be diminished or eliminated. Good remarks may be added to one’s credit report. Mr. Weller would be happy to discuss with you the many ways we can together, improve your Credit and Credit Report.
Creditor sometimes, in their zeal to collect a Debt, will commit Acts that violate Federal or State Debt Collection Statutes. Jay Weller Legal Group will prosecute Creditors who continuously Harass our Clients. The Fair Debt Collection Practices Act (FDCPA) and its Florida equivalent, prohibit certain behaviors by Creditors or Debt Collectors. A Debt Collector may not call or contact a Borrower before a certain hour in the morning or after a certain hour at night. The Collector may not use:
- profane language,
- make unenforceable Threats such as promising Arrest or Imprisonment,
- contact family, friends, or neighbors,
- contact you at work if your employer does not invite such phone calls,
- and several other prohibitions.
The Damages can be quite substantial, depending upon the egregiousness of the conduct of the Debt Collector.
If you are interested in any of these alternatives to Bankruptcy or have any questions please contact Jay Weller Legal Group today at 1-800-407- 3328 (DEBT) for a free consultation with Mr. Weller.
Clearwater Bankruptcy Lawyer Jay Weller and The Weller Legal Group have been serving the Tampa Bay area:
- Clearwater,
- Port Richey,
- Lakeland,
- and Tampa, since 1993.
We provide legal services to help consumers resolve debt issues. We are the only Law Firm in the Tampa Bay area that provides every service related to debt, including:
- Chapter 7 Bankruptcy
- Chapter 13 Bankruptcy
- Corporate Reorganizations through Chapter 11
- Creditor Harassment Matters
- Settlements
- Loan Modifications
- Mediation
- Foreclosure Defense
- Credit Repair
Our Mission is to provide our clients with the best representation possible, in a manner that is both friendly and competent. Jay Weller Legal Group strives to give each client the best representation possible and afford each client the honesty, dignity, and respect they need and deserve in a difficult time.
Our firm's competent Clearwater bankruptcy lawyer will patiently analyze your entire case and suggest the best remedy for your current situation. The Jay Weller Legal Group provides such a wide array of services that we are certain to have a program that will suit your needs.
Types of Bankruptcy & Alternatives to Bankruptcy
Although the bad effects of Bankruptcy are often oversold or exaggerated in the popular media, Bankruptcy, either a Chapter 7 Bankruptcy, Chapter 11, or Chapter 13 Bankruptcy, can remedy many problems for those confronted with overwhelming Debts, Bankruptcy is not always the best solution. At Jay Weller Legal Group we have many alternatives to Bankruptcy that assist our Clients who are confronted with Debts.
Foreclosure Defense
In Florida, we have many distressed homeowners. For many of these homeowners, they have few outstanding Debts other than their Mortgage. Many have tried to negotiate with the Lender to attempt Loan Modifications or other relief. For a homeowner facing Foreclosure, Jay Weller Legal Group is one of the pioneers in the area of Foreclosure Defense.
When a homeowner receives Service of Foreclosure papers, he must act fast because he may receive a Default in as little as 20 days. A Default essentially waives any Defenses or Counterclaims the homeowner may have against the Lender, as well as allows the Lender to rapidly Foreclose and take the house from the Borrower. Foreclosure Defense entails, as the name implies, Defending the Foreclosure on behalf of the Borrower or homeowner.
A Foreclosure that is not defended may be taken from the Borrower of the homeowner in as little as two or three months. Foreclosure Defense permits the homeowner not only to raise whatever Claims or Defenses he may have, some of which may have given rise to the Foreclosure in the first place. Second, Foreclosure Defense allows our office, with your participation, to attempt to secure a beneficial Mortgage Modification, that allows you to retain your home permanently if you so choose.
Depending upon whether your Mortgage is a government-backed or Private Loan, our office has been successful in helping our Clients receive Loan Modifications. There are many types of Mortgages. Some Mortgages allow us to arrange Principal Reductions, and others do not. Many Mortgages are eligible for lower monthly payments, reduced interest, and forgiveness. It is best to come to our office for a free consultation with Mr. Weller.
Settlements
Jay Weller Legal Group also helps many of our Clients through Settlements. Numerous companies advertise Settlements in which the Customer makes monthly payments and when enough money is accrued, the Settlement Company promises to disburse such monies by paying a one-time payment to that Creditor. Such payment is less than the Creditor is owed. However, the Creditor agrees to accept less than full payment, in Full Satisfaction of the Debt.
The companies that offer Debt Settlement Services through this method are often fraudulent. For the companies that are not fraudulent, the method that they use to Settle Debts is flawed. Because such companies demand such a low monthly payment, relative to the Debt, by the time the customer makes enough payments to have sufficient money for Settlement, the Debt is so seriously delinquent that it often already has gone to an Attorney for prosecution of a lawsuit.
The proper way to Settle an outstanding Unsecured Debt, such as a credit card is to make a lump-sum payment of anywhere from thirty to sixty percent of the balance, at approximately six months delinquent. If the Borrower is unable to Settle his Unsecured Debt in this fashion, it is best to look to other alternatives. Stay away from the “Debt Settlement Companies”.
Credit Counseling Service
Julian Consumer Counseling Service, a sister company of Jay Weller Legal Group, has been providing Credit Counseling services since 1997. Credit Counseling is a program in which a Credit Counseling Company with 501(c)(3) Status, may consolidate all your Credit Cards and some other Unsecured Debts, into a lowered monthly payment with a reduced interest rate. Through Credit Counseling, Julian Consumer Counseling may also re-age your account. To re-age an account means that after the Borrower makes three to six payments, the Lender will reflect that Account current on his credit and credit report.
Credit Counseling is still a good program for many of our Clients. However, the Concessions made by Creditors are not as beneficial as when Julian Consumer first started in 1997. If you make an appointment with our office, we can calculate your monthly payment and interest rate, based on the particular Creditors you may have.
Credit Repair
Credit Repair is a program that is beneficial either after the consummation of a Bankruptcy as a device to re-establish Credit or secondly, as a means to improve the Credit of a Non-Bankruptcy Debtor. Depending upon the age of the Debt, and other considerations, bad remarks may be removed from one’s Credit. Duplicate Remarks or Multiple Inquiries may also be diminished or eliminated. Good remarks may be added to one’s credit report. Mr. Weller would be happy to discuss with you the many ways we can together, improve your Credit and Credit Report.
Creditor sometimes, in their zeal to collect a Debt, will commit Acts that violate Federal or State Debt Collection Statutes. Jay Weller Legal Group will prosecute Creditors who continuously Harass our Clients. The Fair Debt Collection Practices Act (FDCPA) and its Florida equivalent, prohibit certain behaviors by Creditors or Debt Collectors. A Debt Collector may not call or contact a Borrower before a certain hour in the morning or after a certain hour at night. The Collector may not use:
- profane language,
- make unenforceable Threats such as promising Arrest or Imprisonment,
- contact family, friends, or neighbors,
- contact you at work if your employer does not invite such phone calls,
- and several other prohibitions.
The Damages can be quite substantial, depending upon the egregiousness of the conduct of the Debt Collector.
If you are interested in any of these alternatives to Bankruptcy or have any questions please contact Jay Weller Legal Group today at 1-800-407- 3328 (DEBT) for a free consultation with Mr. Weller.
Clearwater Bankruptcy Lawyer Jay Weller and The Weller Legal Group have been serving the Tampa Bay area:
- Clearwater,
- Port Richey,
- Lakeland,
- and Tampa, since 1993.
We provide legal services to help consumers resolve debt issues. We are the only Law Firm in the Tampa Bay area that provides every service related to debt, including:
- Chapter 7 Bankruptcy
- Chapter 13 Bankruptcy
- Corporate Reorganizations through Chapter 11
- Creditor Harassment Matters
- Settlements
- Loan Modifications
- Mediation
- Foreclosure Defense
- Credit Repair
Our Mission is to provide our clients with the best representation possible, in a manner that is both friendly and competent. Jay Weller Legal Group strives to give each client the best representation possible and afford each client the honesty, dignity, and respect they need and deserve in a difficult time.
Our firm's competent Clearwater bankruptcy lawyer will patiently analyze your entire case and suggest the best remedy for your current situation. The Jay Weller Legal Group provides such a wide array of services that we are certain to have a program that will suit your needs.
Types of Bankruptcy & Alternatives to Bankruptcy
Although the bad effects of Bankruptcy are often oversold or exaggerated in the popular media, Bankruptcy, either a Chapter 7 Bankruptcy, Chapter 11, or Chapter 13 Bankruptcy, can remedy many problems for those confronted with overwhelming Debts, Bankruptcy is not always the best solution. At Jay Weller Legal Group we have many alternatives to Bankruptcy that assist our Clients who are confronted with Debts.
Foreclosure Defense
In Florida, we have many distressed homeowners. For many of these homeowners, they have few outstanding Debts other than their Mortgage. Many have tried to negotiate with the Lender to attempt Loan Modifications or other relief. For a homeowner facing Foreclosure, Jay Weller Legal Group is one of the pioneers in the area of Foreclosure Defense.
When a homeowner receives Service of Foreclosure papers, he must act fast because he may receive a Default in as little as 20 days. A Default essentially waives any Defenses or Counterclaims the homeowner may have against the Lender, as well as allows the Lender to rapidly Foreclose and take the house from the Borrower. Foreclosure Defense entails, as the name implies, Defending the Foreclosure on behalf of the Borrower or homeowner.
A Foreclosure that is not defended may be taken from the Borrower of the homeowner in as little as two or three months. Foreclosure Defense permits the homeowner not only to raise whatever Claims or Defenses he may have, some of which may have given rise to the Foreclosure in the first place. Second, Foreclosure Defense allows our office, with your participation, to attempt to secure a beneficial Mortgage Modification, that allows you to retain your home permanently if you so choose.
Depending upon whether your Mortgage is a government-backed or Private Loan, our office has been successful in helping our Clients receive Loan Modifications. There are many types of Mortgages. Some Mortgages allow us to arrange Principal Reductions, and others do not. Many Mortgages are eligible for lower monthly payments, reduced interest, and forgiveness. It is best to come to our office for a free consultation with Mr. Weller.
Settlements
Jay Weller Legal Group also helps many of our Clients through Settlements. Numerous companies advertise Settlements in which the Customer makes monthly payments and when enough money is accrued, the Settlement Company promises to disburse such monies by paying a one-time payment to that Creditor. Such payment is less than the Creditor is owed. However, the Creditor agrees to accept less than full payment, in Full Satisfaction of the Debt.
The companies that offer Debt Settlement Services through this method are often fraudulent. For the companies that are not fraudulent, the method that they use to Settle Debts is flawed. Because such companies demand such a low monthly payment, relative to the Debt, by the time the customer makes enough payments to have sufficient money for Settlement, the Debt is so seriously delinquent that it often already has gone to an Attorney for prosecution of a lawsuit.
The proper way to Settle an outstanding Unsecured Debt, such as a credit card is to make a lump-sum payment of anywhere from thirty to sixty percent of the balance, at approximately six months delinquent. If the Borrower is unable to Settle his Unsecured Debt in this fashion, it is best to look to other alternatives. Stay away from the “Debt Settlement Companies”.
Credit Counseling Service
Julian Consumer Counseling Service, a sister company of Jay Weller Legal Group, has been providing Credit Counseling services since 1997. Credit Counseling is a program in which a Credit Counseling Company with 501(c)(3) Status, may consolidate all your Credit Cards and some other Unsecured Debts, into a lowered monthly payment with a reduced interest rate. Through Credit Counseling, Julian Consumer Counseling may also re-age your account. To re-age an account means that after the Borrower makes three to six payments, the Lender will reflect that Account current on his credit and credit report.
Credit Counseling is still a good program for many of our Clients. However, the Concessions made by Creditors are not as beneficial as when Julian Consumer first started in 1997. If you make an appointment with our office, we can calculate your monthly payment and interest rate, based on the particular Creditors you may have.
Credit Repair
Credit Repair is a program that is beneficial either after the consummation of a Bankruptcy as a device to re-establish Credit or secondly, as a means to improve the Credit of a Non-Bankruptcy Debtor. Depending upon the age of the Debt, and other considerations, bad remarks may be removed from one’s Credit. Duplicate Remarks or Multiple Inquiries may also be diminished or eliminated. Good remarks may be added to one’s credit report. Mr. Weller would be happy to discuss with you the many ways we can together, improve your Credit and Credit Report.
Creditor sometimes, in their zeal to collect a Debt, will commit Acts that violate Federal or State Debt Collection Statutes. Jay Weller Legal Group will prosecute Creditors who continuously Harass our Clients. The Fair Debt Collection Practices Act (FDCPA) and its Florida equivalent, prohibit certain behaviors by Creditors or Debt Collectors. A Debt Collector may not call or contact a Borrower before a certain hour in the morning or after a certain hour at night. The Collector may not use:
- profane language,
- make unenforceable Threats such as promising Arrest or Imprisonment,
- contact family, friends, or neighbors,
- contact you at work if your employer does not invite such phone calls,
- and several other prohibitions.
The Damages can be quite substantial, depending upon the egregiousness of the conduct of the Debt Collector.
If you are interested in any of these alternatives to Bankruptcy or have any questions please contact Jay Weller Legal Group today at 1-800-407- 3328 (DEBT) for a free consultation with Mr. Weller.