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Frequently Asked Questions

We get these questions a lot. Here are our best answers...

What should I do if I am sued for a debt in Florida?

Do not ignore it. Most debt collectors win by default because people do not respond. Contact us right away so we can review the lawsuit and build a defense.

What happens if I cannot afford to pay my debts?

Collectors want you to believe you have no options. In reality, we can negotiate, challenge invalid claims, or explore alternatives that may prevent bankruptcy.

Can I really fight a foreclosure?

Yes. Lenders must follow strict rules, and many do not. Foreclosure defense can buy you time, uncover lender errors, and sometimes stop foreclosure altogether.

What if the debt is not even mine?

Collectors often pursue the wrong person or expired “zombie debt.” We dispute invalid claims and protect you from being forced to pay what you do not owe.

What should I bring to my consultation?

Bring any letters, lawsuits, or collection notices you have received. The more information we have, the stronger your defense can be.

How long do debt collectors have to sue me in Florida?

Most debts fall under a five-year statute of limitations, but collectors often try to collect on debts that are too old. We know how to challenge those claims.

Do you only work with clients in Elfers?

Our office is in Elfers, but we serve clients throughout Pasco County, including New Port Richey, Holiday, Tarpon Springs, Jasmine Estates, and nearby communities.

Can a debt collector really garnish my wages or freeze my bank account?

Yes, if they win a judgment in court. But there are strong defenses available that may stop them before it gets that far.

How do I stop debt collectors from calling me nonstop?

The Fair Debt Collection Practices Act gives you the right to stop harassment. We can send letters, enforce your rights, and even sue collectors if they break the law.

Is bankruptcy my only option?

No. Bankruptcy may help in some situations, but we always look for alternatives first, such as negotiation or lawsuit defense.

How much does it cost to hire a consumer debt attorney?

Every case is different. In many situations, we can structure fees to make help affordable, and sometimes the law requires collectors to pay attorney fees if they break the rules.

Can debt collectors call me at work?

Not if you tell them to stop. Federal law prohibits workplace harassment, and we can make sure your rights are enforced.

Will fighting my debt really make a difference?

Yes. Many debt lawsuits are dismissed or reduced once challenged. You have rights, and using them can protect your home, your wages, and your peace of mind.

Why should I hire Rebecca Goodall Law instead of a large firm?

Because here, you are not a case number. You work directly with an attorney who has lived through debt challenges herself and knows how to fight back with compassion and determination.

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