Caroline Secor PA

Credit Card Debt Carrollwood

Settling Debt For A Fresh Start

Insurmountable debt can be one of the most stressful experiences people can face. Do not despair. Many credit card lenders and other lenders are willing to consider a settlement for less than the total principal of the loan. For lenders, this can look like a better arrangement for a lender than not receiving anything. It is important to work with an experienced debt settlement attorney who can provide you with sound legal counsel and representation through the debt settlement process.

At The Law Offices of Caroline Secor, P.A., we represent clients in the Tampa Bay area. We have many years of legal experience, and an attorney from our firm can help you explore your options for debt settlement or other debt relief solutions that may be available to you. We will walk you through the entire process to make sure your needs are met.

We can help you negotiate a settlement for:

  • Credit card debt
  • Automobile debt
  • Medical debt

Debt settlement is not a simple process. In some cases, lenders are willing to negotiate a settlement, and in other cases they are not. We will give you honest assessments about your case, and we will help you find any alternatives that might be available to help you find the debt relief you need.


Although some people consider bankruptcy a last resort, it can be an efficient and effective solution for insurmountable debt, especially when a lender is not willing to negotiate a settlement. We can discuss with you whether Chapter 7 or Chapter 13 bankruptcy could be a better option for you.

Carolyn Secor


The federal government passed new bankruptcy reform legislation in October 2005. However, don't be discouraged! Most studies indicate that the new law affects less than 15% of individuals who could have filed previously. If you are feeling overwhelmed by your debts and considering filing bankruptcy, it is highly probable that you fall into the category of the 85 percent of people who are still eligible to file.




"Serving Pinellas, Pasco, and Hillsborough Counties."

Carolyn Secor, Attorney at Law
Bankruptcy Attorney Tampa Bay Florida
Florida Law Firm with Offices in
Clearwater (Main Office) Tampa St. Petersburg Port Richey
Phone:  1-727-254-1704

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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