If you are having financial problems, you need information and advice. Looking for answers on line is confusing, because there is no one-size-fits-all answer to your unique circumstances. You may be getting a lot information, but who are you getting it from? Collection agencies work for your creditors, they don't work for you and don't have your best interests at heart -- their job is make you pay. You need legal advice from an experienced attorney who will help you understand where you are, and how to get to where you want to be.
I've been representing people in bankruptcy cases in North Central Florida for twenty-five years. When you come to my office in Gainesville for a free thirty minute consultation, you'll meet with me personally, and we will discuss your particular financial problems. I'll explain your rights and your options, and you can use that information to make informed choices about your financial future.