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Campos Chartered Law Firm is a consumer advocacy law firm that specializes in providing consumers with legal solutions to their current financial challenges. The attorneys of the Campos Chartered Law Firm are dedicated to providing effective and sound legal solutions to assist consumers in their quest to become financially independent.

Through the use of proven legal strategies, The Campos Chartered Law Firm has established an effective manner of dealing with original creditors, third party debt collectors, and consumer credit reporting agencies. Our attorneys are held to an elevated professional and ethical standard, and the services and benefits we provide to our clients are representative of these standards.

Our goal is to ensure that your rights are well protected and to curb collection abuse. Our strategy is extremely effective.

Credit Counseling

Campos Chartered Law Firm work with approved debt consolidation organizations that negotiate with over 50,000 creditors and we are confident that we will be able to help you to develop a debt consolidation repayment plan or credit card management plan that will fit your budget and help you to reach your goal of becoming DEBT FREE!

Credit Card Management

If you carry a balance, a credit card debt can be like a very expensive loan made by banks, gasoline companies or department stores. These credit card debts yield high profits to their issuers for several reasons. The most important is the high rate of interest (as high as 33% each year). Interest from a credit card alone can account for the bulk of the profits earned by the bank that issued you the credit card. Also, many credit card companies charge an annual fee for issuing you the credit card, and most of these companies charge late fees, over-the-limit fees and other miscellaneous charges. Finally, the banks and loan companies profit by charging the merchants and service providers a fee each time a customer uses the loan company's credit card in the merchant's establishment. Our debt consolidation and credit card management program can help you put an end to these high interest credit card debts. A Campos Chartered Law Firm Certified Debt Counselor will contact you within the next 24 hours with your free consultation. Please have your most recent Credit Card Statements available and we will show you how to consolidate them to save you from 20% to as much as 60% in monthly payments!

Debt Negotiation

Debt Negotiation by Campos Chartered Law Firm is a service that was developed to help people who can no longer afford to pay their monthly minimums and do not want to file for Bankruptcy. Debt Negotiation is a legal process whereby a consumer retains the services of an attorney to represent them in negotiations with that individual’s creditors. Qualified Debt Negotiation attorneys leverage Federal and State consumer laws, as well as their existing relationships with major creditors, to negotiate the repayment of the consumer’s unsecured debts for significantly less than the full amount.

Debt Negotiation is the fastest growing and most effective alternative to bankruptcy. Debt Negotiation is not the same as Consumer Credit Counseling or Debt Consolidation. By retaining the services of our attorneys to facilitate a Debt Negotiation, our clients can expect to benefit from the use of the most effective Debt Negotiation strategies available, but also to receive proper legal protection against the often predatory practices of debt collectors. Campos Chartered Law Firm, our goal is to not only save our clients money, but to also uphold and defend their consumer rights as granted by the Fair Credit Billing Act,
the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Our Debt Negotiation solution has helped thousands of American families avoid bankruptcy and take the first step towards reaching their goal of financial freedom. The ultimate objective of the program is to get you the fastest debt relief possible so that you can focus on enjoying your life. You will be relieved of your debt burdens, you will avoid the hardships of bankruptcy, and more importantly, you will finally be debt-free!

Debt Validation

Debt Validation by Campos Chartered Law Firm is a process whereby attorneys review the billing practices of our client's creditors and the debt collection activities of any third party that has purchased their information.

Every consumer has specific Federal rights granted by The Fair Credit Billing Act, The Fair Debt Collection Practices Act and The Fair Credit Reporting Act. In many cases ambiguous fees and interest calculations affecting a consumer's bill, as well as the aggressive debt collection practices being employed to collect on the consumer's debts, are in violation of Federal consumer rights.

Our attorneys at Campos Chartered Law Firm will diligently review our client's statements to ensure that they have been billed correctly. Our attorneys will identify any violations of our client's Federal rights, and enforce them accordingly. Should violations be identified, our attorneys will challenge them, often resulting in the removal of inappropriate charges from our client's statement and therefore a reduction in the total amount of debt owed.

In addition, our attorneys will evaluate the debt collection methods being employed by our client's creditors to ensure that they are not in violation of Federal consumer rights. Should violations be identified, our attorneys take action on our client's behalf.

Bankruptcy

Bankruptcy is defined as a legal finding that declares the inability or impairment of ability of a debtor whether an individual or a business entity, to pay its creditors. An insolvent individual debtor, that is a debtor with more liabilities than assets, can use the personal bankruptcy process to legally avoid paying almost all of his or her personal liabilities either temporarily or permanently.

Campos Chartered Law Firm says Bankruptcy law in United States which is codified in Title 11 of United States Codes as Bankruptcy Code aims to give an honest debtor a "fresh start" in life unburdened by most of his former debts. An individual debtor can seek relief by filing petitions according to the chapters in the code that deal with personal bankruptcy. For individuals, the two most relevant chapters in the code are Chapter 7 and Chapter 13.

Chapter 7 gives a discharge to the debtor by allowing a court appointed trustee to liquidate the non exempt assets of debtor and distribute the proceeds among the creditors. Chapter 13 allows the debtors to payoff whole or part of their debts through a trustee according to a court approved repayment plan usually lasting from three to five years.

Debtor has to decide which method suits him best. While debtor can get a discharge fairly promptly by filing under Chapter 7, this method might entail losing important personal property like the home, if it is not exempted. On the other hand, Chapter 13 bankruptcy allows a debtor the use of property and consolidates his debts together. However since the debtor has to stick to a repayment plan, he must have a regular income and accept the fact that full discharge can only come at the completion of repayment plan

Concerns of the debtor

Another advantage to the debtor that results from personal bankruptcy filing is that all actions already started against the debtor must cease and no further actions can be initiated by creditors once the petition is filed, due to the 'automatic stay' that comes in to effect. Campos Chartered Law Firm explains further.

Bankruptcy filing is a matter of public record, but in practice hardly anybody will find this out unless they are personally involved in the case. However, the bankruptcy filing will be on the debtor's credit record for ten years.

Debtor can hope to obtain fresh credit fairly quickly after he is discharged, in comparison to a heavily burdened debtor. Decision of course depends on the new creditor and is fairly complex with many other factors also contributing.

Whether a personal bankruptcy filing will affect the husband or the wife of the debtor will depend on the State the filing is done and on whether some of the debts are secured.

In 2005 Congress made several changes to bankruptcy law to prevent abuse. These include, 'means testing' and filing of tax returns to see whether debtors can in fact pay the debts instead of avoiding them, a two year residency requirement in the State concerned to prevent debtors taking advantage of differences between states as to property exemptions etc., and mandatory debt counseling before filing among others.

Asset Protection

The Campos Chartered Law Firm is your premiere source for asset protection and financial privacy when it comes to business and individual assets. With offices in Florida, New York, California, Grand Cayman, Singapore, and soon opening in Sweden, Campos Chartered Law Firm will consult with you to ensure confidentiality of all your information and to make sure your service is personalized specifically for your needs.

You are a very successful business owner, entrepreneur, or professional who has worked all your life to grow your wealth to give you and the people you love lifelong financial peace of mind and security. In one brief meeting we will show you to what extent your assets are at risk

Some Threats to Your Assets Abound
•Frivolous lawsuits
•A negligence or injury claim, whether justified or not, that exceeds any insurance coverage you may have including an umbrella policy
•Breach of contract through no fault of your own
•A professional malpractice suit
•Lawsuits from disgruntled business partners or employees
•Loan guarantees
•Huge fines and penalties for violating state or federal law because of the actions of an employee
•Seizure of your primary residence or other assets without due process by a government agencies with forfeiture power-The Patriot Act
•Collection attorneys
•Creditors
•The IRS-huge tax bill and escalating penalties following an IRS audit
•Divorce
Professional Bio - Jeffrey Scott Campos
Education - St. Thomas University School of Law, J.D., Merit Scholarship Recipient, Dean's List, Book Award Winner, Real Estate Transactions, University of Florida, B.S., Major in Finance, Minor in Economics, Florida Bright Futures Scholarship Award.

Professional - Member of Florida Bar, Young Lawyers Division, Member of American Bar Association, Young Lawyers Division, Litigation Section, Member of the National Association of Consumer Advocates, Member of the Consumer Law Center.

Civic - Association of Indians in America (AIA) South Florida Chapter, Legal Consultant.

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Campos Chartered Law Firm
3200 N. University Dr. Suite #210
Coral Springs, FL 33065
800-701-4928