Finding a Debt Resolution Attorney for Florida Residents

Florida’s beautiful coastline with bustling downtown Miami in the background.

Florida is called the “Sunshine State” for so many reasons, but on the financial horizon, the sun is getting brighter. Indeed, the third most populous state in the U.S. is only the 12th deepest in debt. Still many Floridians are actively looking to eliminate debt.

After becoming a state in 1845, many newcomers to this country flocked to its temperate climate and glistening beaches. Today, that same wanderlust sparks the state’s economy as tourism leads the way. Of course, with those desirable year-round temperatures, it’s no wonder that agriculture is also a major source of revenue for Florida. Florida’s farms produce nearly two-thirds of all oranges consumed in America.

Florida also boasts a rich collegiate system featuring five of the 18 largest schools in the nation with universities dotting the landscape including Florida State University in Tallahassee and in Gainesville is the University of Florida. Down south in Tampa is the campus of the University of South Florida in Tampa, and nearby is the University of Central Florida in Orlando and Florida International University in Miami.

The Overall Debt Situation in Florida

In many ways, Florida is still rebounding from the Great Depression when the state’s unemployment rate and credit problems soared. While the Florida economy is improving, residents still show credit scores below the national average and greater amounts of credit card debt.

For many years, Florida’s personal credit card debt eclipsed the national average at times as high as $7,726 per person just ten years ago. That figure has dipped a lot in recent years decreasing to $5,754 in 2016.

In terms of student loan debt, Florida’s up-and-comers owe $87.2 billion. Fifty-four percent of recent college graduates posted an average student loan debt of $24,947.

Florida Fast Facts

  • Population:  21,304,596
  • Median Household Income: $55,462
  • Average Credit Score: 658 (national average is 669)
  • Average Credit Card Debt: $5,960
  • Average Student Loan Debt: $24,697
  • State Debt Total: $28.8 billion

Debt Relief Laws That Protect Floridians

Disclaimer: The information shared herein is intended to be a free resource for Florida consumers looking to dismiss debt and does not constitute legal advice.

Whether battling credit card debt, medical debt or private student loan debt, Florida has long been known for passing laws that aggressively protect its citizens.

If you are embroiled in a deepening debt situation in Florida, Resolvly can help find an expert team of debt resolution attorneys to help eliminate debt or at least dismiss debt as soon as possible.

The Fair Debt Collection Practices Act

There are many ways to find debt relief and fight harassing debt collectors and avoid or defend a debt lawsuit. In one case, every consumer has specific rights invoking the federal laws outlined in the Fair Debt Collection Practices Act (FDCPA).

The FDCPA as it relates to Florida residents specifies exactly what a third-party debt collection service can and cannot do. For example, a collector can only call an individual between the local hours of 8am and 9pm. In addition, collectors cannot harass individuals or threaten a citizen with bodily harm or the potential of arrest.

Floridians in debt also have the ability to stop collectors from repeat callings by sending a physical letter to the agency requesting a cease and desist from the pestering calls. If the FDCPA is violated, a debt resolution company can find you debt defense attorneys who can help you get out of debt and also seek damages and attorney fees.

The Fair Credit Reporting Act

Another consumer protection law designed to assist Florida residents from false or misleading credit information is the Fair Credit Reporting Act (FCRA). The FCRA protects the privacy and accuracy of your personal credit history. If an entity violates your rights outlined in the FCRA, there are legal actions that could not only dismiss debt, but earn monetary damages in addition to the recoupment of attorneys’ fees.

Let Resolvly Find The Right Debt Relief Lawyer

When it comes to dealing with debt – whether medical debt or credit card debt – ignoring the problem won’t make it go away. Utilizing the legal referral service of Resolvly, can help you hire a lawyer to get out of debt by helping you understand your specific circumstances, and clear the path to debt relief and debt resolution.

We work with consumer protection lawyers trained in debt relief to protect your rights, fight harassing debt collectors and hopefully eliminate debt completely.

Resolvly helps you hire a lawyer to help dismiss debt so that you can live debt free. Our goal is to help you attain true financial freedom and get out of debt. We offer a free consultation designed to refer you to a consumer defense attorney who will work to eliminate your debt. Simply call 844-479-3457 to speak with a debt freedom specialist who will help guide you on the path toward debt resolution so you can once again be debt free.

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