In today’s digital age, effective blog content creation is paramount for businesses aiming to boost their online presence, especially in competitive markets like Tampa. At Local SEO Tampa, we understand the transformative power of tailored content, particularly when it comes to blog writing and comprehensive content strategies.
Blogs are not just pieces of writing; they are strategic tools that enhance search engine visibility, engage readers, and convert traffic into leads. A well-crafted blog post addresses customer concerns, showcases expertise, and leverages local SEO by incorporating region-specific keywords and topics relevant to Tampa residents. This approach not only attracts local traffic but also establishes your business as a thought leader in your industry.
Our content creation services extend beyond blogging. We are adept at producing a wide range of content types, from in-depth articles and engaging videos to informative infographics and micrographics, all designed to captivate your audience. Each piece of content is meticulously crafted to ensure it is SEO-optimized, aligning with Google’s best practices to enhance your site’s ranking and online visibility.
At Local SEO Tampa, we leverage our expertise in digital marketing to create content that resonates with your target audience while boosting your SEO efforts. Our team includes seasoned writers, SEO experts, and digital strategists who work together to deliver content that not only reads well but also performs well. Whether it’s raising brand awareness, increasing website traffic, or generating leads, our content is designed to achieve your business objectives.
We also understand the local market dynamics and tailor our content strategies to reflect the unique aspects of Tampa, ensuring that your business stands out in the local community. Our holistic approach to content creation and SEO enables us to drive significant improvements in your digital marketing outcomes.
Ready to elevate your online presence with high-quality content? Visit Local SEO Tampa at Local SEO Tampa and discover how our content creation services can transform your digital strategy. Let’s create something great together!
33607
JJB Pools & Spas have over two decades of pool repair and renovation expertise, making them the ideal choice for constructing your dream outdoor oasis. They possess the necessary knowledge and licenses to service
- gas heaters,
- electric heat pumps,
- variable speed pumps,
- and automation, ensuring they can assist you with your year-round swimming requirements.
The family-run business has been working in the pool industry since 2001 and has seen how the industry has grown. It gives it the ability to provide you with the most energy-efficient and sophisticated features to get the most out of your backyard experience. JJB Pools & Spas can bring your ideas to life, from new pool construction to updating outdated pools with the latest innovative features available.
Pool Construction
A swimming pool can transform your home and bring a whole new set of experiences for you and your family to enjoy. If you’re considering a swimming pool for your home in Tampa, JJB Pools and Spas can offer you a comprehensive range of options. Our team has years of experience and expertise and is here to work with you on building your new pool. Whether you’ve decided to get a swimming pool for the first time or you want to upgrade an existing pool, we can work with you to ensure you get your desired outcomes.
Invest In A New Pool Construction
We can guide you through this process if you’re ready to invest in a new pool construction. And we ensure you feel included and informed at every stage. There are different shapes and sizes available and various materials and colors to choose from. You can discuss your requirements and needs with our expert team. We will keep you informed at every stage and help you to identify the best options for you.
Your Pool Equipment
When constructing your new pool, you will also have the opportunity to choose your pool equipment, such as
- heaters,
- pumps,
- and additional features.
At JJB Pools and Spas, we have seen how the industry has changed since 2001. While pools have remained popular with families in Tampa, the options and features available have changed. We are here to help you choose a swimming pool that can bring you enjoyment in your home every day.
There’s so much happening at the master-planned community North River Ranch with new homes for sale near Bradenton, Florida. The lifestyle here is unsurpassed. With three amenity campuses with indoor and outdoor features, fun events all year round, scenic trails and pathways, and nature everywhere you look, there’s always something to enjoy, no matter what age or stage of life. This award-winning community continues to thrive and grow. We’ve created lots of easy ways for you to stay up to date with the fun and fullness of life and exciting additions to North River Ranch.
34219
Clearwater Bankruptcy Lawyer Jay Weller and The Weller Legal Group have been serving the Tampa Bay area:
- Clearwater,
- Port Richey,
- Lakeland,
- and Tampa, since 1993.
We provide legal services to help consumers resolve debt issues. We are the only Law Firm in the Tampa Bay area that provides every service related to debt, including:
- Chapter 7 Bankruptcy
- Chapter 13 Bankruptcy
- Corporate Reorganizations through Chapter 11
- Creditor Harassment Matters
- Settlements
- Loan Modifications
- Mediation
- Foreclosure Defense
- Credit Repair
Our Mission is to provide our clients with the best representation possible, in a manner that is both friendly and competent. Jay Weller Legal Group strives to give each client the best representation possible and afford each client the honesty, dignity, and respect they need and deserve in a difficult time.
Our firm's competent Clearwater bankruptcy lawyer will patiently analyze your entire case and suggest the best remedy for your current situation. The Jay Weller Legal Group provides such a wide array of services that we are certain to have a program that will suit your needs.
Types of Bankruptcy & Alternatives to Bankruptcy
Although the bad effects of Bankruptcy are often oversold or exaggerated in the popular media, Bankruptcy, either a Chapter 7 Bankruptcy, Chapter 11, or Chapter 13 Bankruptcy, can remedy many problems for those confronted with overwhelming Debts, Bankruptcy is not always the best solution. At Jay Weller Legal Group we have many alternatives to Bankruptcy that assist our Clients who are confronted with Debts.
Foreclosure Defense
In Florida, we have many distressed homeowners. For many of these homeowners, they have few outstanding Debts other than their Mortgage. Many have tried to negotiate with the Lender to attempt Loan Modifications or other relief. For a homeowner facing Foreclosure, Jay Weller Legal Group is one of the pioneers in the area of Foreclosure Defense.
When a homeowner receives Service of Foreclosure papers, he must act fast because he may receive a Default in as little as 20 days. A Default essentially waives any Defenses or Counterclaims the homeowner may have against the Lender, as well as allows the Lender to rapidly Foreclose and take the house from the Borrower. Foreclosure Defense entails, as the name implies, Defending the Foreclosure on behalf of the Borrower or homeowner.
A Foreclosure that is not defended may be taken from the Borrower of the homeowner in as little as two or three months. Foreclosure Defense permits the homeowner not only to raise whatever Claims or Defenses he may have, some of which may have given rise to the Foreclosure in the first place. Second, Foreclosure Defense allows our office, with your participation, to attempt to secure a beneficial Mortgage Modification, that allows you to retain your home permanently if you so choose.
Depending upon whether your Mortgage is a government-backed or Private Loan, our office has been successful in helping our Clients receive Loan Modifications. There are many types of Mortgages. Some Mortgages allow us to arrange Principal Reductions, and others do not. Many Mortgages are eligible for lower monthly payments, reduced interest, and forgiveness. It is best to come to our office for a free consultation with Mr. Weller.
Settlements
Jay Weller Legal Group also helps many of our Clients through Settlements. Numerous companies advertise Settlements in which the Customer makes monthly payments and when enough money is accrued, the Settlement Company promises to disburse such monies by paying a one-time payment to that Creditor. Such payment is less than the Creditor is owed. However, the Creditor agrees to accept less than full payment, in Full Satisfaction of the Debt.
The companies that offer Debt Settlement Services through this method are often fraudulent. For the companies that are not fraudulent, the method that they use to Settle Debts is flawed. Because such companies demand such a low monthly payment, relative to the Debt, by the time the customer makes enough payments to have sufficient money for Settlement, the Debt is so seriously delinquent that it often already has gone to an Attorney for prosecution of a lawsuit.
The proper way to Settle an outstanding Unsecured Debt, such as a credit card is to make a lump-sum payment of anywhere from thirty to sixty percent of the balance, at approximately six months delinquent. If the Borrower is unable to Settle his Unsecured Debt in this fashion, it is best to look to other alternatives. Stay away from the “Debt Settlement Companies”.
Credit Counseling Service
Julian Consumer Counseling Service, a sister company of Jay Weller Legal Group, has been providing Credit Counseling services since 1997. Credit Counseling is a program in which a Credit Counseling Company with 501(c)(3) Status, may consolidate all your Credit Cards and some other Unsecured Debts, into a lowered monthly payment with a reduced interest rate. Through Credit Counseling, Julian Consumer Counseling may also re-age your account. To re-age an account means that after the Borrower makes three to six payments, the Lender will reflect that Account current on his credit and credit report.
Credit Counseling is still a good program for many of our Clients. However, the Concessions made by Creditors are not as beneficial as when Julian Consumer first started in 1997. If you make an appointment with our office, we can calculate your monthly payment and interest rate, based on the particular Creditors you may have.
Credit Repair
Credit Repair is a program that is beneficial either after the consummation of a Bankruptcy as a device to re-establish Credit or secondly, as a means to improve the Credit of a Non-Bankruptcy Debtor. Depending upon the age of the Debt, and other considerations, bad remarks may be removed from one’s Credit. Duplicate Remarks or Multiple Inquiries may also be diminished or eliminated. Good remarks may be added to one’s credit report. Mr. Weller would be happy to discuss with you the many ways we can together, improve your Credit and Credit Report.
Creditor sometimes, in their zeal to collect a Debt, will commit Acts that violate Federal or State Debt Collection Statutes. Jay Weller Legal Group will prosecute Creditors who continuously Harass our Clients. The Fair Debt Collection Practices Act (FDCPA) and its Florida equivalent, prohibit certain behaviors by Creditors or Debt Collectors. A Debt Collector may not call or contact a Borrower before a certain hour in the morning or after a certain hour at night. The Collector may not use:
- profane language,
- make unenforceable Threats such as promising Arrest or Imprisonment,
- contact family, friends, or neighbors,
- contact you at work if your employer does not invite such phone calls,
- and several other prohibitions.
The Damages can be quite substantial, depending upon the egregiousness of the conduct of the Debt Collector.
If you are interested in any of these alternatives to Bankruptcy or have any questions please contact Jay Weller Legal Group today at 1-800-407- 3328 (DEBT) for a free consultation with Mr. Weller.
33763
Clearwater Bankruptcy Lawyer Jay Weller and The Weller Legal Group have been serving the Tampa Bay area:
- Clearwater,
- Port Richey,
- Lakeland,
- and Tampa since 1993.
We provide legal services to help consumers resolve debt issues. We are the only Law Firm in the Tampa Bay area that provides every service related to debt, including:
- Chapter 7 Bankruptcy
- Chapter 13 Bankruptcy
- Corporate Reorganizations through Chapter 11
- Creditor Harassment Matters
- Settlements
- Loan Modifications
- Mediation
- Foreclosure Defense
- Credit Repair
Our Mission is to provide our clients with the best representation possible, in a manner that is both friendly and competent. Jay Weller Legal Group strives to give each client the best representation possible and afford each client the honesty, dignity, and respect they need and deserve in a difficult time.
Our firm's competent Clearwater bankruptcy lawyer will patiently analyze your entire case and suggest the best remedy for your current situation. The Jay Weller Legal Group provides such a wide array of services that we are certain to have a program that will suit your needs.
Types of Bankruptcy & Alternatives to Bankruptcy
Although the bad effects of Bankruptcy are often oversold or exaggerated in the popular media, Bankruptcy, either a Chapter 7 Bankruptcy, Chapter 11, or Chapter 13 Bankruptcy, can remedy many problems for those confronted with overwhelming Debts, Bankruptcy is not always the best solution. At Jay Weller Legal Group we have many alternatives to Bankruptcy that assist our Clients who are confronted with Debts.
Foreclosure Defense
In Florida, we have many distressed homeowners. For many of these homeowners, they have few outstanding Debts other than their Mortgage. Many have tried to negotiate with the Lender to attempt Loan Modifications or other relief. For a homeowner facing Foreclosure, Jay Weller Legal Group is one of the pioneers in the area of Foreclosure Defense.
When a homeowner receives Service of Foreclosure papers, he must act fast because he may receive a Default in as little as 20 days. A Default essentially waives any Defenses or Counterclaims the homeowner may have against the Lender, as well as allows the Lender to rapidly Foreclose and take the house from the Borrower. Foreclosure Defense entails, as the name implies, Defending the Foreclosure on behalf of the Borrower or homeowner.
A Foreclosure that is not defended may be taken from the Borrower of the homeowner in as little as two or three months. Foreclosure Defense permits the homeowner not only to raise whatever Claims or Defenses he may have, some of which may have given rise to the Foreclosure in the first place. Second, Foreclosure Defense allows our office, with your participation, to attempt to secure a beneficial Mortgage Modification, that allows you to retain your home permanently if you so choose.
Depending upon whether your Mortgage is a government-backed or Private Loan, our office has been successful in helping our Clients receive Loan Modifications. There are many types of Mortgages. Some Mortgages allow us to arrange Principal Reductions, and others do not. Many Mortgages are eligible for lower monthly payments, reduced interest, and forgiveness. It is best to come to our office for a free consultation with Mr. Weller.
Settlements
Jay Weller Legal Group also helps many of our Clients through Settlements. Numerous companies advertise Settlements in which the Customer makes monthly payments and when enough money is accrued, the Settlement Company promises to disburse such monies by paying a one-time payment to that Creditor. Such payment is less than the Creditor is owed. However, the Creditor agrees to accept less than full payment, in Full Satisfaction of the Debt.
The companies that offer Debt Settlement Services through this method are often fraudulent. For the companies that are not fraudulent, the method that they use to Settle Debts is flawed. Because such companies demand such a low monthly payment, relative to the Debt, by the time the customer makes enough payments to have sufficient money for Settlement, the Debt is so seriously delinquent that it often already has gone to an Attorney for prosecution of a lawsuit.
The proper way to Settle an outstanding Unsecured Debt, such as a credit card is to make a lump-sum payment of anywhere from thirty to sixty percent of the balance, at approximately six months delinquent. If the Borrower is unable to Settle his Unsecured Debt in this fashion, it is best to look to other alternatives. Stay away from the “Debt Settlement Companies”.
Credit Counseling Service
Julian Consumer Counseling Service, a sister company of Jay Weller Legal Group, has been providing Credit Counseling services since 1997. Credit Counseling is a program in which a Credit Counseling Company with 501(c)(3) Status, may consolidate all your Credit Cards and some other Unsecured Debts, into a lowered monthly payment with a reduced interest rate. Through Credit Counseling, Julian Consumer Counseling may also re-age your account. To re-age an account means that after the Borrower makes three to six payments, the Lender will reflect that Account current on his credit and credit report.
Credit Counseling is still a good program for many of our Clients. However, the Concessions made by Creditors are not as beneficial as when Julian Consumer first started in 1997. If you make an appointment with our office, we can calculate your monthly payment and interest rate, based on the particular Creditors you may have.
Credit Repair
Credit Repair is a program that is beneficial either after the consummation of a Bankruptcy as a device to re-establish Credit or secondly, as a means to improve the Credit of a Non-Bankruptcy Debtor. Depending upon the age of the Debt, and other considerations, bad remarks may be removed from one’s Credit. Duplicate Remarks or Multiple Inquiries may also be diminished or eliminated. Good remarks may be added to one’s credit report. Mr. Weller would be happy to discuss with you the many ways we can together, improve your Credit and Credit Report.
Creditor sometimes, in their zeal to collect a Debt, will commit Acts that violate Federal or State Debt Collection Statutes. Jay Weller Legal Group will prosecute Creditors who continuously Harass our Clients. The Fair Debt Collection Practices Act (FDCPA) and its Florida equivalent, prohibit certain behaviors by Creditors or Debt Collectors. A Debt Collector may not call or contact a Borrower before a certain hour in the morning or after a certain hour at night. The Collector may not use:
- profane language,
- make unenforceable Threats such as promising Arrest or Imprisonment,
- contact family, friends, or neighbors,
- contact you at work if your employer does not invite such phone calls,
- and several other prohibitions.
The Damages can be quite substantial, depending upon the egregiousness of the conduct of the Debt Collector.
If you are interested in any of these alternatives to Bankruptcy or have any questions please contact Jay Weller Legal Group today at 1-800-407- 3328 (DEBT) for a free consultation with Mr. Weller.
33805
Clearwater Bankruptcy Lawyer Jay Weller and The Weller Legal Group have been serving the Tampa Bay area:
- Clearwater,
- Port Richey,
- Lakeland,
- and Tampa, since 1993.
We provide legal services to help consumers resolve debt issues. We are the only Law Firm in the Tampa Bay area that provides every service related to debt, including:
- Chapter 7 Bankruptcy
- Chapter 13 Bankruptcy
- Corporate Reorganizations through Chapter 11
- Creditor Harassment Matters
- Settlements
- Loan Modifications
- Mediation
- Foreclosure Defense
- Credit Repair
Our Mission is to provide our clients with the best representation possible, in a manner that is both friendly and competent. Jay Weller Legal Group strives to give each client the best representation possible and afford each client the honesty, dignity, and respect they need and deserve in a difficult time.
Our firm's competent Clearwater bankruptcy lawyer will patiently analyze your entire case and suggest the best remedy for your current situation. The Jay Weller Legal Group provides such a wide array of services that we are certain to have a program that will suit your needs.
Types of Bankruptcy & Alternatives to Bankruptcy
Although the bad effects of Bankruptcy are often oversold or exaggerated in the popular media, Bankruptcy, either a Chapter 7 Bankruptcy, Chapter 11, or Chapter 13 Bankruptcy, can remedy many problems for those confronted with overwhelming Debts, Bankruptcy is not always the best solution. At Jay Weller Legal Group we have many alternatives to Bankruptcy that assist our Clients who are confronted with Debts.
Foreclosure Defense
In Florida, we have many distressed homeowners. For many of these homeowners, they have few outstanding Debts other than their Mortgage. Many have tried to negotiate with the Lender to attempt Loan Modifications or other relief. For a homeowner facing Foreclosure, Jay Weller Legal Group is one of the pioneers in the area of Foreclosure Defense.
When a homeowner receives Service of Foreclosure papers, he must act fast because he may receive a Default in as little as 20 days. A Default essentially waives any Defenses or Counterclaims the homeowner may have against the Lender, as well as allows the Lender to rapidly Foreclose and take the house from the Borrower. Foreclosure Defense entails, as the name implies, Defending the Foreclosure on behalf of the Borrower or homeowner.
A Foreclosure that is not defended may be taken from the Borrower of the homeowner in as little as two or three months. Foreclosure Defense permits the homeowner not only to raise whatever Claims or Defenses he may have, some of which may have given rise to the Foreclosure in the first place. Second, Foreclosure Defense allows our office, with your participation, to attempt to secure a beneficial Mortgage Modification, that allows you to retain your home permanently if you so choose.
Depending upon whether your Mortgage is a government-backed or Private Loan, our office has been successful in helping our Clients receive Loan Modifications. There are many types of Mortgages. Some Mortgages allow us to arrange Principal Reductions, and others do not. Many Mortgages are eligible for lower monthly payments, reduced interest, and forgiveness. It is best to come to our office for a free consultation with Mr. Weller.
Settlements
Jay Weller Legal Group also helps many of our Clients through Settlements. Numerous companies advertise Settlements in which the Customer makes monthly payments and when enough money is accrued, the Settlement Company promises to disburse such monies by paying a one-time payment to that Creditor. Such payment is less than the Creditor is owed. However, the Creditor agrees to accept less than full payment, in Full Satisfaction of the Debt.
The companies that offer Debt Settlement Services through this method are often fraudulent. For the companies that are not fraudulent, the method that they use to Settle Debts is flawed. Because such companies demand such a low monthly payment, relative to the Debt, by the time the customer makes enough payments to have sufficient money for Settlement, the Debt is so seriously delinquent that it often already has gone to an Attorney for prosecution of a lawsuit.
The proper way to Settle an outstanding Unsecured Debt, such as a credit card is to make a lump-sum payment of anywhere from thirty to sixty percent of the balance, at approximately six months delinquent. If the Borrower is unable to Settle his Unsecured Debt in this fashion, it is best to look to other alternatives. Stay away from the “Debt Settlement Companies”.
Credit Counseling Service
Julian Consumer Counseling Service, a sister company of Jay Weller Legal Group, has been providing Credit Counseling services since 1997. Credit Counseling is a program in which a Credit Counseling Company with 501(c)(3) Status, may consolidate all your Credit Cards and some other Unsecured Debts, into a lowered monthly payment with a reduced interest rate. Through Credit Counseling, Julian Consumer Counseling may also re-age your account. To re-age an account means that after the Borrower makes three to six payments, the Lender will reflect that Account current on his credit and credit report.
Credit Counseling is still a good program for many of our Clients. However, the Concessions made by Creditors are not as beneficial as when Julian Consumer first started in 1997. If you make an appointment with our office, we can calculate your monthly payment and interest rate, based on the particular Creditors you may have.
Credit Repair
Credit Repair is a program that is beneficial either after the consummation of a Bankruptcy as a device to re-establish Credit or secondly, as a means to improve the Credit of a Non-Bankruptcy Debtor. Depending upon the age of the Debt, and other considerations, bad remarks may be removed from one’s Credit. Duplicate Remarks or Multiple Inquiries may also be diminished or eliminated. Good remarks may be added to one’s credit report. Mr. Weller would be happy to discuss with you the many ways we can together, improve your Credit and Credit Report.
Creditor sometimes, in their zeal to collect a Debt, will commit Acts that violate Federal or State Debt Collection Statutes. Jay Weller Legal Group will prosecute Creditors who continuously Harass our Clients. The Fair Debt Collection Practices Act (FDCPA) and its Florida equivalent, prohibit certain behaviors by Creditors or Debt Collectors. A Debt Collector may not call or contact a Borrower before a certain hour in the morning or after a certain hour at night. The Collector may not use:
- profane language,
- make unenforceable Threats such as promising Arrest or Imprisonment,
- contact family, friends, or neighbors,
- contact you at work if your employer does not invite such phone calls,
- and several other prohibitions.
The Damages can be quite substantial, depending upon the egregiousness of the conduct of the Debt Collector.
If you are interested in any of these alternatives to Bankruptcy or have any questions please contact Jay Weller Legal Group today at 1-800-407- 3328 (DEBT) for a free consultation with Mr. Weller.
34668
Clearwater Bankruptcy Lawyer Jay Weller and The Weller Legal Group have been serving the Tampa Bay area:
- Clearwater,
- Port Richey,
- Lakeland,
- and Tampa, since 1993.
We provide legal services to help consumers resolve debt issues. We are the only Law Firm in the Tampa Bay area that provides every service related to debt, including:
- Chapter 7 Bankruptcy
- Chapter 13 Bankruptcy
- Corporate Reorganizations through Chapter 11
- Creditor Harassment Matters
- Settlements
- Loan Modifications
- Mediation
- Foreclosure Defense
- Credit Repair
Our Mission is to provide our clients with the best representation possible, in a manner that is both friendly and competent. Jay Weller Legal Group strives to give each client the best representation possible and afford each client the honesty, dignity, and respect they need and deserve in a difficult time.
Our firm's competent Clearwater bankruptcy lawyer will patiently analyze your entire case and suggest the best remedy for your current situation. The Jay Weller Legal Group provides such a wide array of services that we are certain to have a program that will suit your needs.
Types of Bankruptcy & Alternatives to Bankruptcy
Although the bad effects of Bankruptcy are often oversold or exaggerated in the popular media, Bankruptcy, either a Chapter 7 Bankruptcy, Chapter 11, or Chapter 13 Bankruptcy, can remedy many problems for those confronted with overwhelming Debts, Bankruptcy is not always the best solution. At Jay Weller Legal Group we have many alternatives to Bankruptcy that assist our Clients who are confronted with Debts.
Foreclosure Defense
In Florida, we have many distressed homeowners. For many of these homeowners, they have few outstanding Debts other than their Mortgage. Many have tried to negotiate with the Lender to attempt Loan Modifications or other relief. For a homeowner facing Foreclosure, Jay Weller Legal Group is one of the pioneers in the area of Foreclosure Defense.
When a homeowner receives Service of Foreclosure papers, he must act fast because he may receive a Default in as little as 20 days. A Default essentially waives any Defenses or Counterclaims the homeowner may have against the Lender, as well as allows the Lender to rapidly Foreclose and take the house from the Borrower. Foreclosure Defense entails, as the name implies, Defending the Foreclosure on behalf of the Borrower or homeowner.
A Foreclosure that is not defended may be taken from the Borrower of the homeowner in as little as two or three months. Foreclosure Defense permits the homeowner not only to raise whatever Claims or Defenses he may have, some of which may have given rise to the Foreclosure in the first place. Second, Foreclosure Defense allows our office, with your participation, to attempt to secure a beneficial Mortgage Modification, that allows you to retain your home permanently if you so choose.
Depending upon whether your Mortgage is a government-backed or Private Loan, our office has been successful in helping our Clients receive Loan Modifications. There are many types of Mortgages. Some Mortgages allow us to arrange Principal Reductions, and others do not. Many Mortgages are eligible for lower monthly payments, reduced interest, and forgiveness. It is best to come to our office for a free consultation with Mr. Weller.
Settlements
Jay Weller Legal Group also helps many of our Clients through Settlements. Numerous companies advertise Settlements in which the Customer makes monthly payments and when enough money is accrued, the Settlement Company promises to disburse such monies by paying a one-time payment to that Creditor. Such payment is less than the Creditor is owed. However, the Creditor agrees to accept less than full payment, in Full Satisfaction of the Debt.
The companies that offer Debt Settlement Services through this method are often fraudulent. For the companies that are not fraudulent, the method that they use to Settle Debts is flawed. Because such companies demand such a low monthly payment, relative to the Debt, by the time the customer makes enough payments to have sufficient money for Settlement, the Debt is so seriously delinquent that it often already has gone to an Attorney for prosecution of a lawsuit.
The proper way to Settle an outstanding Unsecured Debt, such as a credit card is to make a lump-sum payment of anywhere from thirty to sixty percent of the balance, at approximately six months delinquent. If the Borrower is unable to Settle his Unsecured Debt in this fashion, it is best to look to other alternatives. Stay away from the “Debt Settlement Companies”.
Credit Counseling Service
Julian Consumer Counseling Service, a sister company of Jay Weller Legal Group, has been providing Credit Counseling services since 1997. Credit Counseling is a program in which a Credit Counseling Company with 501(c)(3) Status, may consolidate all your Credit Cards and some other Unsecured Debts, into a lowered monthly payment with a reduced interest rate. Through Credit Counseling, Julian Consumer Counseling may also re-age your account. To re-age an account means that after the Borrower makes three to six payments, the Lender will reflect that Account current on his credit and credit report.
Credit Counseling is still a good program for many of our Clients. However, the Concessions made by Creditors are not as beneficial as when Julian Consumer first started in 1997. If you make an appointment with our office, we can calculate your monthly payment and interest rate, based on the particular Creditors you may have.
Credit Repair
Credit Repair is a program that is beneficial either after the consummation of a Bankruptcy as a device to re-establish Credit or secondly, as a means to improve the Credit of a Non-Bankruptcy Debtor. Depending upon the age of the Debt, and other considerations, bad remarks may be removed from one’s Credit. Duplicate Remarks or Multiple Inquiries may also be diminished or eliminated. Good remarks may be added to one’s credit report. Mr. Weller would be happy to discuss with you the many ways we can together, improve your Credit and Credit Report.
Creditor sometimes, in their zeal to collect a Debt, will commit Acts that violate Federal or State Debt Collection Statutes. Jay Weller Legal Group will prosecute Creditors who continuously Harass our Clients. The Fair Debt Collection Practices Act (FDCPA) and its Florida equivalent, prohibit certain behaviors by Creditors or Debt Collectors. A Debt Collector may not call or contact a Borrower before a certain hour in the morning or after a certain hour at night. The Collector may not use:
- profane language,
- make unenforceable Threats such as promising Arrest or Imprisonment,
- contact family, friends, or neighbors,
- contact you at work if your employer does not invite such phone calls,
- and several other prohibitions.
The Damages can be quite substantial, depending upon the egregiousness of the conduct of the Debt Collector.
If you are interested in any of these alternatives to Bankruptcy or have any questions please contact Jay Weller Legal Group today at 1-800-407- 3328 (DEBT) for a free consultation with Mr. Weller.
33609