You Still Have Options to Get Out of Debt

It’s not too late.

Why Choose Van Horn Law Group in South Florida

  • Free, no obligation case evaluation
  • Highly rated & reviewed on Google and Trustpilot
  • We take the time to review all aspects of your financial situation
  • If bankruptcy is not the right option for you, we actually let you know
  • We don't talk down to our clients
  • We don't hide behind legal jargon
  • We don't pass important work off to paralegals or unqualified support staff
  • We often take cases other attorneys are unwilling or unable to handle
  • We often take cases regardless of how complex your case may be
  • AV Preeminent® Rated from Martindale-Hubbell®
  • We'll be there with you every step of the way
  • Flexible appointment availability
  • We handle personal and business bankruptcy cases
  • We believe being genuinely caring and compassionate matters!

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Benefits of Filing Bankruptcy With a Lawyer in South Florida

  • Bankruptcy can also act as a reset button for your credit
  • The removal of outstanding debt can be a huge boost for your credit score
  • Once done, you can begin rebuilding your credit immediately
  • Filing for bankruptcy can be the first step to stabilizing your life
  • There is no reason to be ashamed to take this measure as it is meant to assist those who have fallen on hard times

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We understand dealing with a debt collection judgment can be stressful. Van Horn Law Group can help reduce your stress.

Debt Collection Judgment: Things You Should Know.

In a debt collection case, the’ judgment’ is a court's decision that you owe a specific sum of money. Armed with the judgment, the holder of the debt, called a "judgment creditor," can take legal steps to seize the amount you owe. It can also charge interest at a court-approved rate, until you satisfy the judgment.

If you fail to respond to the court-issued summons or complaint the collection agency will get a default judgment against you. That will allow various avenues of collection for the creditor, including wage garnishment, bank account garnishment and/or execution on your personal property (i.e. automobile, household furnishings, etc.).

Debt Collection Terms You Need to Know
  • summons - an official notification to appear before a judge or magistrate.
  • default judgement – is a binding judgment in favor of either party based on some failure to take action by the other party.
  • lis pendens - a Latin term meaning a notice of a pending lawsuit that is recorded in county real estate records.
  • HAMP - Home Affordable Modification Program.
  • legal remedy - is the means with which a court of law enforces a right, imposes a penalty, or makes another court order to impose its will.
When and Why to Seek Legal Representation.
  • After a judgment, you may be summoned to answer questions about your finances. Failure to answer the questions may lead to sanctions and/or contempt proceedings.
  • People with few assets and modest income may be "judgment-proof," because legal protections exempt them from collection. But that does not mean you can ignore a judgment. An attorney can help you find out if you qualify.
  • One option is for you to file for bankruptcy. It may be your best option, especially if multiple debts are unpaid. Bankruptcy provides a shield against collectors, but carries its own costs and risks. An attorney can help you decide if this choice is right for you.
  • In today's court system, creditors know that very few defendants will ever challenge the lawsuit, and very often they get default judgments. You need to protect your rights. Contact a Van Horn Law Group attorney today.


Dedication. Experience. Results. No matter how complex the issue, our Student Loan Lawyer and Bankruptcy Attorney Fort Lauderdale apply their extensive legal knowledge and strategies to obtain the best possible outcome for you or your company.


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Talk to our South Florida attorneys. Why put it off? Get answers today.


While many people opt to pay for fees at once or on a retainer basis, some prefer to utilize our $0 Down payment option. Here's how it works: After you sign an engagement for services agreement with our firm, generally speaking, the court filing fees and costs will be paid up front. These can be waived in certain circumstances. You do not pay anything initially for our bankruptcy legal fees. We work out a payment plan with you, where you are aware of the fees in advance for our services. You'll pay on a monthly basis over 12 months until our fee is paid. Some clients find this helps to allow them to meet all their obligations while the bankruptcy process proceeds. If you have further questions about our services or this option, please don't hesitate to contact our office.