FOR IMMEDIATE ASSISTANCE CALL REBBECCA GOODALL TODAY! (813)-438-3695
Our Consumer Law Services
Consumer Protection Attorney Services
We fight unfair business practices, deceptive contracts, and unlawful debt tactics across Elfers, New Port Richey, and Pasco County. Using state and federal protections, we hold companies accountable for harassment, fraud, or negligence. Our goal is to restore your dignity, financial security, and peace of mind.
COVID Debt Protection
The pandemic left many families vulnerable to unfair collection practices. We defend against COVID-related debt harassment, wrongful lawsuits, and predatory tactics. Our mission is to give you space to recover and protect your financial future from pandemic-driven hardship.
Credit Reporting Issues
Errors on your credit report can block loans, jobs, or housing. We challenge inaccurate entries under the Fair Credit Reporting Act (FCRA), force bureaus to correct mistakes, and fight back against creditors who refuse to fix false reporting. Your financial reputation deserves accuracy.
Debt Collection Defense
Facing a debt lawsuit doesn’t mean you’ve lost. We defend against collection suits, wage garnishments, bank account levies, and “zombie” debts too old to collect. Even if a lawsuit has been filed, we negotiate settlements or fight for dismissal when collectors can’t prove their claims.
Debt Harassment Defense
Collectors who cross the line with threats, endless calls, or workplace harassment are breaking the law. We use the Fair Debt Collection Practices Act (FDCPA) to stop abusive behavior and may even help you collect compensation for the stress and harm they caused.
Identity Theft
Fraudulent accounts can destroy your credit and financial standing. We fight to remove unauthorized debts, dispute false accounts, and hold negligent companies accountable when they fail to protect your information. Protecting your identity is protecting your future.
Identity Theft Credit Repair
When identity theft leaves long-lasting scars on your credit, we step in. Our firm disputes fraudulent debts, repairs credit reports, and restores your financial reputation. We help you move forward without being chained to mistakes you didn’t make.
Pasco County Debt Lawsuit Help
Debt lawsuits can overwhelm anyone, but you don’t have to face them alone. We provide trusted defense across Elfers, New Port Richey, Tarpon Springs, and all of Pasco County. From stopping wage garnishments to negotiating settlements, we fight to protect your rights in and out of court.
Our Legal Services
Cease and Desist Letter Services
When debt collectors won’t stop calling, a powerful cease and desist letter can restore your peace immediately. We help Elfers residents draft and deliver legally binding notices that force collectors to stop contacting you under the Fair Debt Collection Practices Act (FDCPA). If they continue to harass you afterward, they’re breaking federal law—and we’ll hold them accountable. Our letters not only stop the calls but also set the stage for potential legal recovery.
Credit Reporting Dispute Services
Errors on your credit report can lower your score, block job opportunities, or raise your loan rates. As your legal services attorney in Elfers, FL, we challenge inaccurate entries under the Fair Credit Reporting Act (FCRA), ensuring your credit history truly reflects your financial record. We contact credit bureaus and creditors directly, demand correction or deletion of false accounts, and pursue damages when necessary. You deserve a clean slate—and we help you claim it.
Debt Not Belonging to You – Defense
It’s more common than most people realize—collectors chasing the wrong person. If you’re being pursued for a debt that isn’t yours, we step in fast to prove your innocence and stop all contact. We gather evidence, communicate directly with the collector, and file legal motions to clear your name. No one in Elfers should pay for someone else’s mistake. We make sure your financial reputation stays protected.
Many debt buyers rely on outdated, incomplete, or fabricated records to pressure people into paying. We challenge these claims head-on. Our team demands strict proof of ownership, the correct amount owed, and the right to collect. If a collector can’t verify every element, we push to have the claim dismissed. We defend Elfers residents from paying debts that aren’t valid—and we hold collectors accountable when they try to mislead or intimidate.
Illegal Debt Collection Call Defense
Collectors are legally forbidden from using threats, harassment, or repeated calls to force payment. Yet it happens every day. We help you fight back through the FDCPA, filing legal actions against agencies that cross the line. Whether they’re calling your employer, using abusive language, or contacting you after hours, we’ll stop the harassment and seek financial damages on your behalf.
Negotiating Debt Payment Plans
Sometimes, the fastest way to peace is a fair payment plan. We negotiate directly with creditors and collectors to reduce balances, stop interest accumulation, and set up payment terms that work for your budget. Unlike debt settlement companies, we handle the legal side too—protecting your rights while improving your financial stability. For Elfers residents, this means a clear, manageable path forward without surrendering your dignity.
Negotiating Settlements After Lawsuit Filed
Even if a collector has already sued you, it’s not too late. We often settle cases for less than the claimed amount by exposing legal weaknesses or challenging improper filings. Our Elfers legal team works to reduce your financial burden, stop garnishments, and remove court judgments that could harm your credit long term. With our help, you can resolve lawsuits with dignity and move forward stronger.
Stop Collection Calls Lawyer
If your phone won’t stop ringing from aggressive collectors, you don’t have to suffer in silence. We use cease-and-desist laws and direct legal intervention to shut down harassing calls immediately. Whether they’re violating call-time restrictions or contacting you after written notice, we ensure they’re held accountable. You have the right to peace in your own home—and we’ll make sure you get it.
Sue Debt Collectors
When collectors break the law, they should pay you—not the other way around. We file FDCPA lawsuits on behalf of Elfers clients who’ve been harassed, threatened, or misled by collection agencies. You may be entitled to compensation of up to $1,000 per violation, plus legal fees. Our firm makes sure justice is served and that future collectors think twice before targeting you again.
Suing Credit Bureaus for Inaccurate Reports
If credit bureaus refuse to correct false or damaging information, we take them to court. Under the Fair Credit Reporting Act, they’re required to investigate disputes and ensure accurate reporting. When they don’t, you have the right to recover financial damages. We represent Elfers residents in lawsuits that not only fix credit errors but also restore reputations and unlock new financial opportunities.
Our Bankruptcy Services
Bankruptcy Attorney
Sometimes bankruptcy is the cleanest path forward. We handle every detail — from filing to discharge — ensuring you keep what matters most while eliminating debt that’s holding you back.
Debt Settlement
Not ready to file bankruptcy? We negotiate directly with creditors to reduce your total balance and monthly payments, often cutting debt by up to 50% and preventing further legal action.
Alternatives to Bankruptcy
If you’re still managing to stay afloat but want lasting relief, we explore options like structured repayment, loan modifications, and FDCPA enforcement — helping you recover without the long-term hit of bankruptcy.
Our Civil Debt Defense Services
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.
Wage Garnishment Defense
We stop unfair wage garnishments and challenge improper court orders, ensuring your paycheck goes to your family — not aggressive collectors.
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.
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.
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.
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.
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.
Personal Loan Debt Defense
We defend clients facing lawsuits over personal loans, exposing illegal lending terms and helping negotiate manageable settlements.