Debt settlement & negotiation
Discuss whether negotiating with a creditor could fit your circumstances. We can review the debt, your goals and the practical considerations. An agreement or a particular reduction is not guaranteed.
Explore settlementPLANTATION, FLORIDA · DEBT RELIEF & SETTLEMENTS
Debt concerns?
Explore your options.
You do not need to know the answer before you call. Talk with us about the debt you are facing, your concerns, and what you want to protect.
Debt settlement and negotiation. Debt litigation and defense.
Bankruptcy when appropriate. Guidance built around your situation.
FREE INITIAL IN-PERSON CONSULTATION
The initial consultation is free. Any fees and costs for legal representation will be discussed before you hire us.
Assistance with debt problems may involve bankruptcy relief under the Bankruptcy Code. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Find information for your specific concern ↓
Se habla español. English and Spanish.
FREE INITIAL CONSULTATION · IN PERSON
Let’s sit down together.
Understand your options thoroughly.
Legal decisions deserve more than a rushed conversation. Meeting face to face gives us the opportunity to listen to your circumstances, review the information you bring, and explain your options carefully. We can discuss settlement, litigation and bankruptcy when relevant, including the practical differences, so you can ask questions and understand the choices before you.
Your initial consultation is free and in person, by appointment. You do not need to have decided on a strategy before we meet.
Meet with us by appointment:
7805 SW 6th Court, Plantation, FL 33324.
The initial consultation is free. Any fees and costs for legal representation will be discussed before you hire us.
Schedule your free consultation →HOW WE CAN HELP
Start with the concern
that brought you here.
We can discuss negotiating a settlement, litigating a debt dispute or defending a creditor lawsuit, and whether bankruptcy belongs among the options to consider.
Debt litigation & lawsuit defense
A settlement is not the only path to discuss. Ask about defending a creditor lawsuit or litigating a debt dispute. Bring any court papers or garnishment notices so the office can evaluate the issues and next steps.
Explore litigationUnderstanding bankruptcy options
If bankruptcy is worth considering, ask about Chapter 7 and Chapter 13 and how they compare with other approaches. You do not need to have decided to file before speaking with us.
Understand bankruptcyConcerned about foreclosure
Explain where the matter stands and share any court papers or notices with the office through an approved channel.
Explore foreclosure concernsPROBLEMS WE HELP WITH
Start with what
you are facing.
You do not need to know the legal category or choose a strategy before calling. Find a guide to your concern, then compare the available options with the office.
Lawsuits & collectionCredit card claims, judgments, garnishment and collection calls →Your home or vehicleForeclosure, repossession and related payment concerns →Bills & tax debtMedical bills, disputed balances, minimum payments and IRS notices →Business obligationsPersonal guarantees, business debts and SBA loans →
A useful first step, without a predetermined answer.
Tell the office about notices received, balances you dispute, payments you cannot sustain, or money withheld from your paycheck or account. Bring the documents and ask about settlement, litigation and bankruptcy where appropriate.
English and Spanish. Schedule a free initial in-person consultation and ask how to send documents securely. No decision to file bankruptcy is required to start a conversation.
THE ATTORNEY
CHARLES RESTREPO, ESQ., P.A.
Attorney at Law
Law Offices of Charles Restrepo, Esq., P.A.A PERSONAL CONVERSATION. A PRACTICAL FOCUS.
Your concerns deserve
careful attention.
The firm helps people explore debt settlement and negotiation, debt litigation and creditor-lawsuit defense, bankruptcy and foreclosure concerns, alongside other civil and real-estate matters. We start by listening to what is happening and what matters to you.
Charles Restrepo has a background in law, business and finance, and speaks English and Spanish. Read about his education, professional background and approach.
Read the full biography →YOUR NEXT STEP
A straightforward start.
No case number is needed to call the office and explain why you are reaching out.
- 1
Call the office
Tell us your name, how to reach you, and the general issue you would like to discuss.
- 2
Explain what is happening
Let the office know about court papers, notices or dates that concern you. Ask how to provide documents securely.
- 3
Confirm the arrangements
Schedule your free initial in-person consultation and confirm what to bring. We will take time to explain your options thoroughly and answer your questions.
LET’S START WITH YOUR QUESTIONS
Speak with the office.
Plantation, Florida · Se habla español
Call 954-763-3301 Schedule your free consultation
Continue to Apptoto, the office’s external appointment scheduling service. Review available times and appointment details there.
OTHER LEGAL SERVICES
A property transaction or civil dispute?
The office also handles real-estate matters and civil/commercial litigation. Explain the situation so we can discuss how we may assist.