Many borrowers when faced with unpaid credit card debt, mortgage debt, debt from second mortgages or home equity lines of credit, think that there is no alternative except to file for bankruptcy.  The filing of a bankruptcy can be very costly however, and the  negative effects on a borrowers credit can take years and years to undo.

Faced with insurmountable credit card debt, or unsecured debt from other creditors, often borrowers find themselves without options.

What many debtors do not know is that all debt is negotiable and can be settled.  Creditors often do not want to file lawsuits and are open to negotiating the amounts owed, for 30, 20 even 10 percent of the loan balance, and forgiving the remainder.

That means a borrower finding themselves in a position without options to pay off high balances does not have to file a bankruptcy. Rather, we can attack each debt on a case by case basis, approach each creditor with an outline of the hardship and reasons for falling behind and work out a settlement of the balance, without ending up in court.

A lawsuit to collect unpaid credit card balances can be scary. However, by hiring a knowledgeable attorney who is well versed in these credit card lawsuits, we are able to many times have the debt completely erased or written off, or often negotiated for pennies on the dollar.

At the Law Offices of Jacqueline A. Salcines, P.A., we have been assisting borrowers with their unpaid credit card debt and unsecured debt for over 16 years.  We know how overwhelming it can be to face an unknown, not knowing how you are going to pay your bills and afraid of what the creditor can do. You have rights and those rights are best protected when you hire us.

There are main differences however between what we do and what credit counselors do.


A credit counselor adds up all your existing debt and negotiates the debt with each creditor so that the interest rate is typically reduced, the card is frozen or cancelled and no principal or balance forgiveness is made off that credit balance.

What we do is negotiate the debt.  Often if you are judgment proof and do not have assets that the creditor can attach to, they will negotiate for pennies on the dollar. Then we cancel the debt.  Not a 10 year plan, but forgiveness of the balance.

And if you are served with a lawsuit for an unpaid credit card debt, we defend you in court as well.   Often, creditors do not file the requisite documents and paperwork, nor post bonds to have their cases heard. But consumers do  not know how to go about getting these cases dismissed.  Our extensive experience working with creditors and borrowers places us in a position to extensively negotiate for you. So that you end up paying only a small portion of the debt.

Allow us to go to work for you and negotiate your debt.

We offer free phone consultations, and a no cost review of your case. 

Call us today.   305.669.5280 and see how we can help you.

About the Author:

Jacqueline A. Salcines, Esq is the Owner and Managing Partner of the Law Offices of Jacqueline A. Salcines, P.A. Real Estate and Business Law Group. With over 17 years experience including holding a dual degree in Accounting, her broad knowledge of DEBT SETTLEMENT serves to aggressively protect and defend our firm’s clients.

Call us today to set up a  free consultation to discuss your specific needs. We are here for you!

Main office 305 | 669 | 5280. Or email the attorney directly:


Jacqueline A. Salcines

Jacqueline A. Salcines

TEL. 305 669 5280