Christian Panagakos is the founder and Managing Member of Florida Bankruptcy... more
Christian Panagakos is the founder and Managing Member of Florida Bankruptcy Advisors ,a consumer-focused law firm that strives tohelp individual consumers understand their legal and financial rights as permitted under both state andfederal law.He has been a licensed attorney since 1995 and is a current member of both the U.S. District Court and the Bankruptcy Court for Floridas Southern Distri... view profile
Alberto H. Hernandez is a graduate of Cornell University in New York and University... more
Alberto H. Hernandez is a graduate of Cornell University in New York and University of Florida Levin College of Law, where he attained his Juris Doctorate Degree in 1990. He was admitted to the Florida Bar Association in 1991, and also has membership in the federal courts' Southern District Court, the Northern District Court and the Middle District Court of Florida. He is also a member of the N... view profile
Bonnie L. Canty is licensed to practice law in Florida, Connecticut, Georgia, New... more
Bonnie L. Canty is licensed to practice law in Florida, Connecticut, Georgia, New Jersey and New York. She has been working in the areas of family and debt law for more than twenty years and offers a more personable approach to family and bankruptcy law clients.
If you owe a large amount of money on unsecured debts, you may require the services of a debt settlement lawyer. Unsecured debts include medical bills, student loans, credit cards, store and gas cards, personal loans, collection accounts, and bounced checks. For these sorts of debts, lenders will usually accept less than the full amount if it's clear you don't have the money to pay them (especially if the original amount has continued to grow with interest, late charges, and collection costs). A debt settlement attorney can negotiate with the lender and objectively present the facts in your case. Oftentimes, unsecured debt lenders would rather settle with you than take a chance on getting nothing if you file for bankruptcy. If the negotiation is successful, the creditor may even be convinced to take the settled debt off your credit history.