Caroline Secor PA

Credit Card Debt Largo

One should always consider settling debt with creditors first before filing bankruptcy.  Depending on your specific situation there are ways to settle your debt sometimes pennies on the dollar for certain debts you have incurred.  Whether it is medical bills, credit card debt or other debts, the Attorneys at Caroline Secor, P.A. may be able to settle debts with your creditors sometimes as low as %5 to 25%.  Of course, everyone’s financial situation is different and many factors play a role in what a creditor might be willing to take.  However, Creditors are generally willing to work with you if handled by a knowledgeable lawyer.  It is also important to attempt to settle debts before a creditor files a law suit against you.  Once a creditor files a law suit against you the debt immediately climbs due to legal fees and court costs – making the debt higher.

If you are receiving countless phone calls and/or letters from creditors we can help by advising those creditors to deal directly with Caroline Secor, P.A.’s Debt Settlement Lawyers.  There are federal law protections afforded you as a consumer against harassment from creditors.  Additionally,  it is important to note, that if you have been served with a lawsuit by a creditor and/or collection company you should seek counsel immediately so the attorney can response to the law suit against you.  If you have been served with a collections lawsuit you have only 20 days to answer the complaint against you or the creditor can get an automatic judgment against you.

The Lawyers at Caroline Secor, P.A. believe in second chances. If you wish to schedule a consultation with us to discuss settling your debts and/or if you need defense against creditors please contact us.

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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