Stop Garnishment

Being sued for an unpaid debt can be a scary, uncertain experience. What can I do? Do I need a lawyer? Can I afford a lawyer? Can they take my paycheck? Where should I keep my money? I don't want my boss to find out. These are all valid questions and concerns. LeavenLaw's attorneys have helped literally thousands of consumers just like you with problems associated with debt. LeavenLaw will help you too. We will sit down with you and first try to understand your case and what has brought you here. Then, LeavenLaw and its attorneys will seek to understand your goals and evaluate both the lawsuit that has been filed against you, as well as determine what defenses and possible counter-lawsuits you have against the creditor or debt buyer that is suing you. Through this comprehensive process, LeavenLaw will craft a personalized plan to not only deal with this debt and lawsuit, but to try and create an offensive strategy, providing you both possible leverage and a basis for recovering fees and costs associated with your representation. A truly comprehensive and creative form of advocacy!

Avoid Judgment

No one wants to have a judgment. It can be both frustrating and embarrassing, and hurt both your credit score and bank account. Therefore, if you are sued for a debt, it is important that you quickly talk with an attorney about your case. Credit card companies, medical service providers and debt buyers are betting that most people served with a lawsuit simply won't respond. If you do not respond to the debt collection lawsuit that you have been served with, a default will be entered against you. Eventually, I judgment will be entered. A judgment is a public record and can be reported on your credit report. To try and avoid judgment being entered against you, contact LeavenLaw immediately. We follow these simple steps:

  • Evaluate Complaint filed against You; Defenses.

  • Search for Unlawful Debt Collection / Creditor Harassment.

  • File an Answer and/or Counterclaim.

  • Settle Debt. In the meantime . . . Asset Protection.

  • Credit Reporting & Clean-up.

LeavenLaw will use its experience and the above process to assist you in defending the debt collection lawsuit that has been brought against you. Please feel free to call our toll-free number to set up a free consultation to go over your case and come up with a tailored, personalized solution for you.

Avoid Wage Garnishment

Garnishment is the process whereby a creditor attempts to seize assets that a debtor owns. To do so, however, the creditor or debt buyer must first get a judgment against you. As discussed above, we will try to fight that process. If a creditor or debt buyer does get a judgment against you, then, subject to Florida exemptions (i.e., laws that protect assets and keep them out of the reach of creditors), they may contact your employer and ask that a portion of your paycheck be withheld and paid to them to satisfy your debt. Most of the time, if a consumer did not have the money to pay the debt in the first place, adding a wage garnishment of up to 25% of your salary is simply devastating.

LeavenLaw and its attorneys are well versed in debtor rights and will sit down to either help you claim your wages as exempt, if possible, or try to settle the debt and get the garnishment dissolved. If you find yourself being garnished, contact LeavenLaw today so that we can help you resolve the debt and regain your freedom.

Avoid Frozen Bank Accounts

Another type of garnishment is when a creditor "freezes" your bank account. Essentially, the creditor or debt collector would be asking the court to enter an order directing a third party, namely your bank, to hold your monies and ultimately turn-over any non-exempt portion the creditor who has sued you and obtained a judgment. Your frozen funds - just like your earned wages owed by your employer - are subject to Florida exemption protection. To claim frozen funds in your bank account as exempt, however, you must act quickly and file a Claim of Exemption form with the court and request a hearing to prove to the court that your monies are in fact protected or exempt. To do this, you will need to first and foremost appear and testify to the judge. You should also try to provide proof that the monies frozen are either wages, social security proceeds or held as tenants by the entirety, just to name some protections.

This process can obviously be complex. If you have been sued by a creditor or debt buyer -- whether just recently or judgment has already been entered against you -- contact LeavenLaw to schedule a free consultation. It is important that you let someone familiar with the process evaluate your case. It is also important that you have an aggressive, zealous advocate on your side, not just to defend the case that has been brought against you, but someone with the knowledge and ability to go on the offensive against these creditors, debut buyers and their lawyers to try and get for you the best possible result.

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First Judicial Circuit of Florida

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Main Office Address: Northeast Professional Center, 3900 First Street North, Suite #100, St. Petersburg, FL 33703
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