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LAW OFFICES OFCHARLES RESTREPO, ESQ., P.A.954-763-3301

LAW OFFICES OF CHARLES RESTREPO · PLANTATION, FLORIDA

Legal Services & Debt Relief Options

Explore debt negotiation, lawsuit defense, bankruptcy, real-estate matters and civil litigation. Start with your situation and your goals.

MORE THAN ONE WAY FORWARD

The right conversation
starts with your circumstances.

You do not need to decide on a legal strategy before we meet. We can compare the available approaches and explain their practical differences.

Conceptual illustration of two settlement proposals, a calculator and a pen on a meeting table.01 / NEGOTIATE

Debt settlement

Explore whether negotiating with a creditor could make sense for your debt, resources and goals. An agreement or reduction is not guaranteed.

Explore settlementIllustration of a served-paper envelope beside a separate response draft and pen.02 / RESPOND

Lawsuit defense

Understand the claim, the supporting records and your options for responding. Bring court papers and notices so we can discuss the next steps.

Explore litigationConceptual illustration of two chapter dividers and a bankruptcy assessment checklist.03 / REASSESS

Bankruptcy options

Discuss Chapter 7 and Chapter 13, eligibility and important trade-offs. Calling the office does not mean deciding to file bankruptcy.

Explore bankruptcy

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.

Browse other services and debt concerns

Start with your situation

What kind of debt are you dealing with? Has a lawsuit been filed? What are your goals and concerns? These questions help frame a useful conversation with the office.

Browse the complete Problems We Help With guide →

Explore a specific concern

Real estate and civil litigation

No option described here guarantees a reduction, dismissal, discharge or other result. The appropriate approach depends on the facts and applicable law.

More options to understand

Student loan concernsUnderstand your loans before choosing your next step.Mortgage modificationReview possible changes to your mortgage with your full budget in view.Debt consolidation: compare before you borrowOne payment can be simpler. Check whether it also fits your budget.

A SIMPLE FIRST STEP

Here’s how we get started

Illustration of two adults thoughtfully reviewing papers together.

1. Tell us your concern

Call or choose an appointment time.

Illustration—not an actual client, staff member, or case.
Illustration of correspondence, a calendar and a pen prepared for careful review.

2. Bring your papers

Bring notices and questions to your in-person meeting.

Illustration of three document folders and an open notebook for comparing options.

3. Understand your choices

Discuss options and ask questions before deciding.

FREQUENTLY ASKED QUESTIONS

Questions before your first visit

Start here. We will explain the details that apply to you in person.

Is the first consultation free and in person?

Yes. Your initial consultation is free and takes place in person, by appointment, at 7805 SW 6th Court, Plantation, FL 33324. Meeting face to face gives us time to listen, review your concerns and explain your options thoroughly. We speak English and Spanish.

Do I have to file bankruptcy?

No. You do not need to choose a solution before meeting with us. We can discuss negotiation, lawsuit defense and bankruptcy when appropriate, based on your debts, income and goals.

What if I have been sued or my wages or bank account are affected?

Call 954-763-3301 promptly and tell us about any court date or deadline. Keep all notices and court papers. Do not wait for a routine appointment if a response is due. Scheduling a consultation does not extend a court deadline.

What should I bring?

Bring any court papers, collection letters, recent bills and a simple list of your income, expenses and questions. Bring what you have; call if you are unsure. You do not need a case number to request a consultation.

What does legal representation cost?

The initial consultation is free. Any fees and costs for legal representation will be discussed before you hire us.

Does bankruptcy erase every debt?

No. Some debts are not discharged. The answer depends on the debt and your circumstances. We review what bankruptcy may and may not accomplish before you decide.

Can we discuss student loans?

Yes. Start by identifying whether your loans are federal or private. Repayment options and legal protections differ. Bankruptcy does not automatically erase student loans; certain loans require a separate court determination of undue hardship.

Read this topic’s guide →
Can a mortgage modification lower my payment?

It may. A modification changes the terms of your existing mortgage, but approval and terms are not guaranteed. Review the total cost as well as the monthly payment. If you have foreclosure papers or a sale date, call promptly rather than waiting for a modification decision.

Read this topic’s guide →
Is debt consolidation the same as debt settlement?

No. A consolidation loan replaces several payments with a new loan you must repay. Settlement seeks an agreement with a creditor. Bankruptcy is a court process. Compare costs and risks before choosing. Our office provides legal advice, not consolidation loans.

Read this topic’s guide →
What if I cannot pay my IRS debt all at once?

A payment arrangement may be available, depending on your situation. Bring your IRS notices and tax information so we can discuss possible next steps. Do not assume bankruptcy will erase a tax debt or that requesting an appointment changes an IRS deadline.

Read this topic’s guide →

Have a different question?

You do not need all the answers before calling.

Schedule your free consultation →954-763-3301

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The initial consultation is free. Any fees and costs for legal representation will be discussed before you hire us.

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