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We know that significant debt—and the inability to pay those debts—can wreak havoc in a person’s life. Seemingly insurmountable debt not only causes you considerable financial stress, but also affects your marriage, relationships, work, and even your health. Before you know it, creditors are calling nonstop, and suddenly you’ve been hit with a lawsuit.

If you’re being sued on debt, you may feel as though you have no options other than filing for Chapter 7 bankruptcy in Florida. We’re here to tell you that that’s simply not true. In fact, there may be one or even multiple defenses to every allegation you are facing. Remember, if you are being accused of breaching a contract or are otherwise facing a debt-related lawsuit, you have rights. Call (850) 398-5187 to discuss your rights with a qualified debt defense attorney who can help you based on your unique situation.

Let us assist you regarding lawsuits against:

  • Midland Credit Management 

  • LVNV Funding LLC

  • Portfolio Recovery Associates 

  • Discover Bank 

  • Wilmington Savings Fund

  • Many others


Our firm has handled a range of complex cases during our nearly 30 years of practice. With his unique perspective and broad experience, we can assist clients in understanding the legal matters of debt and attain financial stability.

A debt collection lawsuit is the first step taken by a debt collector to get the Court to award them a judgment against you. In Florida, once this judgment against you is recorded in the Official Public Records, it is valid for up to 20 years. The consequences of this can be a nightmare now and for years, even decades to come.

A judgment makes getting a vehicle loan or mortgage much more expensive or even impossible.

A judgment may lead to current or future employers being contacted and your wages being garnished.

A judgment may allow money deposited in your bank accounts to be taken without any advance notice to you.

A judgement creates a statutory lien being placed against your home or other real property you may own.

A judgment may result in the loss of your personal property, including your vehicle.

A judgment may limit your ability to accept many types of future employment opportunities.

A judgment against you will accrue additional compounding of interest at a rate set by the State of Florida.

A judgment against you may allow debt collectors to obtain an Order from the Court requiring you to provide them with sensitive financial information, such as, your income tax returns, your bank account numbers, your Social Security Number, and many other similar items to assist them in collecting the judgment. Failure to provide this required information may result in you being held in contempt and even your arrest.

If you have been sued by a credit card company or other debt collector:

Don’t convince yourself that you have nothing for creditors to take.

Don’t assume that just because you owe the money that you have no available options.

Don’t fall for the idea that hiring a lawyer is too expensive or unaffordable.

Don’t allow this collection lawsuit to cause overwhelming anxiety or loss of sleep.

Do schedule a free consultation with William T. Shaffer, Attorney at Law. A Florida attorney with 30 years’ experience in representing individuals across the Florida Panhandle.

If you believe that a creditor has used unfair debt collection practices:

Don't sit idly by while a Debt Collector uses abusive language, calls you excessively, verbally harasses or intimidates you, or contacts your employer, friends, and family regarding your debt.

Don’t assume that just because they are a big company that they are following the Fair Debt Collection practices act. 

Don’t fall for the idea that hiring a lawyer is too expensive or too unaffordable.

Do document any and all instances where you believe that the Debt Collector violated your rights.

Do schedule a free consultation with the WTS Law Group to discuss your rights 

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