Caroline Secor PA

Credit Card Debt North Tampa

If you have been sued for a debt, please understand that you are not alone. This may be the first time you have ever been sued.  There are many consumers in North Tampa who are sued every month for an old debt.

Unfortunately many North Tampa consumers make the mistake of not hiring an attorney to defend the lawsuit so they end up with a default judgmentagainst them.  Debt buyers and credit card companies are filing thousands of lawsuits against Florida consumers. These debt buyers buy portfolios of debt for as little as three to ten cents on the dollar in most cases, then sue Florida consumers to try and get a judgment for 100% of the balance plus attorneys fees, costs and post judgment interest.

The debt buyers then send the accounts to local collection attorneys in Florida who file individual lawsuits against Florida Consumers. Under Florida law, they have five years to sue you for the debt pursuant the statute of limitations if they sue for a breach of contract claim. If they sue you under an account stated or stated account theory, they only have four years.

You should do everything in your power to prevent these lawsuits from turning into judgments.  Please call me to discuss your options now

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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