Debt or credit problems?

We help clients dispute inaccurate, outdated, or misleading information on their credit reports and hold credit reporting agencies and furnishers accountable under the Fair Credit Reporting Act. Your credit profile should reflect the truth, nothing more, nothing less. If you believe something on your credit report is inaccurate, or if you need assistance viewing your credit reports in the first place, our team is here to help.

While most people don’t think “credit” when they think of a background report, The Fair Credit Reporting Act provides protections for consumers applying for an apartment, employment, or even insurance. If you have had an application for one of these denied due to an inaccurate background report, you may be entitled to relief.

Florida has robust protections in place to protect consumers from loansharking. Many lenders will be limited to charging 30% APR, or even less if they are unlicensed. These loans are often advertised and obtained solely online, without ever stepping foot in a bank. Our team of experienced attorneys and staff members can assist you in determining when you may have been victimized by a predatory lender. If you have a high-interest rate loan, line of credit, or other form of credit, contact us for an evaluation of your rights.

When debt collectors cross the line with harassment, threats, or illegal tactics, we step in to protect your rights. Seraph Legal fights to stop abusive collection practices and seeks compensation for the harm they cause. The Federal Fair Debt Collection Practices Act and the Florida Consumer Collection Practices Act provide consumers with significant protection from bad faith collections.

Bankruptcy is more than a financial decision, it’s a legal tool for a fresh start. We guide individuals through the process with compassion and clarity, helping them regain control and rebuild.