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!

Ask a Question, Describe Your Situation or Request a Free Consultation

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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 collector can be stressful. Van Horn Law Group can help reduce your stress.

Debt Collection Lawsuit: Things You Should Know.

There is a good chance that one, or more, of your creditors or debt collector may sue you. Not all creditors will file a debt collection lawsuit, however, if you have income or assets that the creditor can access, they are likely to sue you to get a judgment. If you get served with a debt collection lawsuit, we may be able to help you.

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.
  • If you do not respond to the summons or complaint, the debt collector may be able to add attorney’s fees, court costs or interest to the balance you owe. In some cases, the balance you are liable for can double or triple due to these additional costs.
  • A simple, timely response denying liability to the lawsuit filed in court oftentimes can lead to a negotiated settlement that will save you money.
  • You must file a response to the lawsuit, called an “Answer,” in the court where you were sued within the designated time to respond - usually 20 to 30 days after service.
  • If a debt collector has violated provisions of the Fair Debt Collection Practices Act, you may be able to sue them. An attorney can help you decide if this is the right course of action for you to take.


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.