Creditor Harassment Defense
FDCPA claims against abusive collectors.
Creditor Harassment Defense sits inside our Bankruptcy practice.
Bankruptcy law is highly procedural — means tests, schedules, statements of financial affairs — but the outcome is practical: a stop to collection, a plan for obligations, a future.
3 segundos pueden cambiar tu vida — y las consecuencias, mucho más tiempo.
Lo que pasa en tres segundos de negligencia se vive durante meses o años. Cómo preservar la evidencia desde el primer momento.
If any of these applies — reach out today.
A creditor sued you
A civil judgment becomes a lien on property. Filing before judgment is different from filing after.
Foreclosure sale is scheduled
A Chapter 13 filing imposes an automatic stay that halts the sale.
Wages are being garnished
Filing stops most garnishments immediately.
Calls from collectors are constant
FDCPA protects you — and the filing ends it.
What happens after you call.
- Hour 0Free consultationAttorney-level review of the facts — no fee, no obligation.
- Day 1Case accepted & evidence holdLitigation-hold letters go out; records and footage are preserved.
- Week 1Medical workup beginsTreatment plan under a letter of protection where needed.
- Month 1Demand / formal filingPre-suit demand or complaint filed; carrier put on notice.
- 6 – 18 moResolutionMediation, settlement, or trial verdict — most cases settle.
Bankruptcy, explained on camera.
Short, plain-language explanations of the questions we answer most often. Full library lives on YouTube.
4.9 stars across 2,200+ reviews.
“They treated me like family. Recovered more than I thought possible and they did it in Spanish when I couldn't do it in English.”
“We were facing deportation and lost. Maria walked us through every filing. Today we are legal permanent residents.”
“The construction company denied everything. Gallardo's team had the medical records, site photos, and depositions lined up. We settled for more than double the original offer.”
Reviews sourced from clients who agreed to share. Representative examples — individual results vary by case.
Answers that cite the statute.
Will I lose my house?
In most Florida filings, no. The homestead exemption is unlimited in value (limited in acreage), provided the property qualifies.
Can student loans be discharged?
Federal student loans are discharged only under a hardship standard that, as of 2022 DOJ guidance, has become more accessible. Private student loans follow different rules.
Talk to an attorney aboutcreditor harassment defense.
Tell us briefly what happened. An attorney — not an intake screener — will review the facts and reach out within one business hour. English or Español.
Other matters we handle.
Collection calls, judgments, garnishment? Let's talk about a reset.
There is no fee for the consultation and no obligation. Speak with an attorney — not an intake screener.