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Civil Debt Defense Attorney in Elfers, FL – Protecting You from Lawsuits and Garnishments

When Creditors Come After You, We Stand Between You and Financial Ruin.

If you’ve been sued for a debt or threatened with wage garnishment or bank account levies, you don’t have to face it alone. At Rebbecca Goodall Law, P.A., we defend you against collectors, lenders, and creditors who break the law — restoring balance and peace of mind.

  • Aggressive defense strategies that stop lawsuits, garnishments, and account freezes
  • Protection against expired or invalid debt claims that should never have reached you.
  • Legal negotiation power to settle debt on fair terms — or eliminate it entirely.
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Creditors Count on Silence

When a debt lawsuit shows up in your mailbox, most people panic — and that’s exactly what creditors count on.
They assume you won’t respond, so they win by default and start garnishing your paycheck or freezing your bank account.

Many of these lawsuits are based on incomplete, inaccurate, or expired debt, often filed by third-party buyers who can’t even prove you owe them anything. Others stack interest and fees illegally, inflating your balance overnight.

Without legal help, the system feels rigged — but silence is what allows them to win.

We believe every person deserves a fair defense and a chance to rebuild without being punished for their past.

Strategic Legal Defense That Stops Debt in Its Tracks

At Rebbecca Goodall Law, P.A., we specialize in fighting back against unjust debt lawsuits and restoring your financial control.
We investigate every detail — demanding proof, verifying ownership of the debt, and exposing illegal practices. In many cases, collectors withdraw their claims once they realize they can’t meet our burden of proof.

Whether you’re facing wage garnishment, frozen accounts, or a judgment against you, we use every available legal tool to stop it — and help you regain financial stability.

From negotiating settlements to completely dismissing invalid claims, we make sure creditors play by the law.

And we can do the same for you.

SERVICES UNDER CIVIL DEBT DEFENSE

Debt Lawsuit Defense Without Bankruptcy

Fight back when collectors sue. We defend you against debt lawsuits without forcing you into bankruptcy, helping you protect your income, assets, and credit.

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Wage Garnishment Defense

We stop unfair wage garnishments and challenge improper court orders, ensuring your paycheck goes to your family — not aggressive collectors.

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Bank Account Levy Defense

If your account’s been frozen due to debt, we act fast to challenge levies and restore access to your funds, protecting what’s rightfully yours.

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Judgment Relief & Defense

Judgments don’t have to define your financial future. We fight to overturn or settle unfair rulings that were entered without full evidence or due process.

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Zombie Debt Defense (Expired Debts)

Debt collectors can’t legally pursue time-barred debts — but many still try. We protect you from these “zombie” claims and hold violators accountable.

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Medical Debt Defense

Hospital bills and medical emergencies shouldn’t destroy your financial stability. We challenge inflated charges, protect your rights, and negotiate fair outcomes.

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Credit Card Debt Lawsuit Defense

Sued by a credit card company or debt buyer? We demand proof of ownership, challenge errors, and work to dismiss or settle the case favorably.

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Personal Loan Debt Defense

We defend clients facing lawsuits over personal loans, exposing illegal lending terms and helping negotiate manageable settlements.

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Six Ways We Help You Take Back Control

You Will Never Be Left Wondering What Comes Next

We walk you through every step of the legal process in plain language. This means you always know where you stand and never feel lost in the dark.

You Get Strategy Not Just Representation

Every case is built on a custom plan designed around your situation. You are not just another file number — you get a clear path forward that fits your life.

You Are Treated Like a Person Not a Case

Your story matters and we take the time to understand it. That respect and care helps you feel heard and supported during one of the most stressful times of your life.

Your Home and Wages Are Protected

We fight aggressively to stop foreclosure and garnishments. This means you can focus on your family and future instead of living in constant fear of losing everything.

You Work With Someone Who Lives Here Too

We know Pasco County judges and courts because we are part of this community. That local insight helps us protect you with real world knowledge not just legal theory.

You Gain Peace of Mind Instead of More Stress

We handle the legal burden so you can breathe again. Having someone fight for you gives back your time your confidence and your hope.

The Goodall Debt Defense Plan

Step 1: Talk to Us

Schedule a free consultation where you share your situation and get immediate clarity on your options so you feel less overwhelmed.

Step 2: Get Your Defense Plan

We create a tailored legal strategy to stop harassment and protect your home and wages so you can finally breathe again.

Step 3: Move Forward with Confidence

We handle the legal work while you focus on your life so you regain peace of mind and control over your future.

Real Clients. Real Results.

Ms. Goodall helped me the 1st time against my mortgage company & this 2nd time. She uncovered a few transgressions by the mortgage company & was able to get me to a point where the mortgage company is paying off my loan $15k with some extra $$$ in my pocket. She was also able to secure me more $$$ from the credit bureaus for malfeasance. In total she has acquired over $20k for me.

5/5

Adrian T.

She is the bomb! She did an amazing job for me vs the credit card companies and credit bureaus! You couldn’t ask for someone more passionate about what they do, and she communicates very well.

5/5

Nobuki S.

Rebbecca did a fantastic job dealing with my lawsuit for previous debt.
She definitely knows her stuff. I honestly would’ve been pretty screwed without her, so I definitely recommend her services without hesitation.

5/5

Cassidy K.

The Protections That Put You Back in Control

Local Court Experience

We appear regularly in Pasco County courts. This gives you the advantage of local knowledge and credibility, so your case is handled with insight others may miss.

Consumer Law Focus

We do not split our time across unrelated practice areas. Our entire focus is on consumer debt law, meaning you get sharper strategies and stronger protection where it matters most.

Personalized Defense Plans

No two debt cases are the same. We create a legal plan built around your exact situation, so you know the defense is designed specifically for you.

Aggressive Protection Against Collectors

We use the Fair Debt Collection Practices Act to fight harassment. This stops abusive calls and restores peace to your daily life.

Foreclosure Defense Strategies

We know how lenders cut corners. By challenging improper filings and errors, we help protect your home and buy valuable time for better solutions.

Negotiation Without Bankruptcy

We work directly with creditors to settle or reduce debts. This allows you to find relief without carrying the long-term consequences of bankruptcy.

Clear Communication

We explain everything in plain English. You stay informed and confident, never left guessing what comes next.

Community-Based Representation

We live and work in the same neighborhoods we serve. This connection drives us to protect our community, not just practice law.

Judgment and Garnishment Defense

We fight unfair garnishments and judgments. This protects your paycheck and your bank account, giving you security and stability.

To get all this and more…

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You Can Be Sued for Debt You Don’t Even Owe?

Most people assume that if they’re sued, they must have done something wrong. But the reality is, many debt lawsuits are built on bad information — or no information at all.

  • Over 40% of debt lawsuits in Florida are filed by companies who can’t prove ownership of the debt.
  • Collectors often add thousands in interest and “fees” that were never part of your original agreement.
  • Once you respond to a lawsuit, you cut a collector’s success rate by more than half.

What does that mean?
When you fight back — even once — collectors lose their biggest weapon: your silence.
By asserting your rights with the help of an experienced attorney, you can stop harassment, protect your income, and take control of your financial future again.

You have the power to fight back — and win.

Are We a Good Fit?

If you can say yes to the following statements, then we can help you!

  • You are facing debt lawsuits garnishments or foreclosure and want someone to fight back for you.
  • You are tired of harassment from debt collectors and want the calls to stop.
  • You want an attorney who explains every step clearly and gives you a real plan not just legal jargon.
  • You value working with someone local who understands Pasco County courts and cares about this community.
  • You want solutions that protect your home your wages and your peace of mind not quick fixes that create new problems.
  • You believe in standing up for your rights and want an advocate who will not back down when collectors push hard.

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