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Consumer Law

Consumer Law - Couple in Debt

Consumer Law Support for Florida Veterans & Families

Financial stress can be overwhelming, especially when you’re dealing with debt collectors, credit errors, or financial hardship. If you feel like you’re being taken advantage of or don’t know how to respond to aggressive collection efforts, you’re not alone. We’re here to help you move forward.

We offer legal help to veterans and income-qualified individuals who are facing debt-related issues, credit reporting problems, and bankruptcy decisions. Our goal is simple: to help you understand your rights, stop harmful or unlawful collection practices, and work toward financial stability.

Areas We Can Help With

You have the right to fair and respectful treatment regarding your debts.

Debt Collection Defense & Harassment

If debt collectors are calling nonstop, threatening you, or using harsh language, you may have legal protection. We may be able to help with:

  • Stopping unlawful harassment
  • Responding to debt collection letters
  • Challenging incorrect or inflated debts
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Mistakes on your credit report can cost you jobs, housing, and financial opportunities.

Credit Reporting Errors & Disputes

When credit bureaus or creditors list inaccurate information, we may be able to assist with:

  • Removing wrong or outdated items
  • Filing dispute requests
  • Correcting identity-related mistakes or fraud
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When debt becomes unmanageable, bankruptcy may be a fresh start.

Bankruptcy (Chapter 7 or 13)

Bankruptcy can help stop collection efforts and give you a path forward. We may be able to help with:

  • Understanding whether Chapter 7 or Chapter 13 is right for you
  • Preparing filings and documents
  • Explaining your rights and what to expect
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Consumer Rights: Know What You’re Protected From

Learn what the law says about:

Debt Collection: Your Right to Be Treated Fairly

Collectors are not allowed to threaten you, call excessively, or mislead you about what you owe.

Credit Accuracy: Your Right to Correct Information

You have the right to dispute mistakes on your credit report — and to have errors corrected.

Financial Relief: Your Right to Seek Protection

You may have the right to request bankruptcy protection when debt becomes unmanageable.

Help Families Gain Financial Stability

Support community members who are trying to rebuild financially.
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Frequently Asked Questions About Consumer Law

What if I’m being harassed by debt collectors?

You have the right to ask them to stop contacting you in certain ways. Harassment, threats, and intimidation are not allowed.

Can I fix incorrect information on my credit report?

Yes. You can dispute errors and request correction — and we can help you through that process.

Is bankruptcy the only option if I’m overwhelmed with debt?

Not always. We can help you understand your options and whether bankruptcy makes sense for your situation.

Connect With Our Legal Team

We’re here to listen, guide, and help you take the next step.