Plantation Florida Credit Repair Lawyers

At Light & Gonzalez PLLC our Plantation Florida Credit Repair Lawyers help our client with all of their credit related problems.  If incorrect or misleading information is appearing on your credit report we will help you get these items removed.  The Fair Credit Reporting Act is a powerful federal law that gives consumers important rights regarding information that companies are reporting regarding their credit worthiness.  Consumers have the right to dispute any inaccurate information that being reported, and credit reporting agencies are required to forward these disputes to the banks, credit card companies, or debt collectors that are reporting the inaccurate information. These credit furnishers are required to review and correct the information they are reporting within 3o days or the information will be automatically removed from your credit.  If the information is verified within this time period then the credit reporting agency can continue reporting this information.  If the furnisher does not verify within 30 days, but then subsequently verifies the information or attempts to report the information again, you must be notified before the information will begin appearing again.

Don’t be surprised if an attorney answers the phone when you call! We are available for consultation in Plantation Florida, and handle cases throughout South Florida. Contact us today to speak with an experienced Plantation Florida attorney who will review your case and discuss your legal options.

Contact us today to request a free initial consultation


 Credit Card Debt Defense 
Negotiate Credit Card Debts
Discharge Credit Card Debts
Post Judgment Relief
Chapter 7 Bankruptcy

    Our Plantation Florids Credit Card Debt Lawyers Can Help

    Our firm will help you through your hard financial times. Light & Gonzalez, PLLC is a full litigation firm that looks at every case with through the lens of litigation.  There are many ways to get a creditor or a debt collector to stop calling you.  One way is to have of our qualified Plantation Florida Credit Card Debt Lawyers speak with the creditor or debt collector to help you try to negotiate down the credit card debt to something you can afford.  If this doesn’t work there are valid legal defenses available that may help you in defending a credit card debt action.  Contact us today and we will thoroughly explain the entire litigation process from beginning to end.


    Our Plantation Florida Credit Card Debt Lawyers Can Help

    Credit card debt is generally unsecured, and therefore dischargeable through bankruptcy. Bankruptcy is not a great option for everyone, but because creditors know that bankruptcy can operate to discharge the debt completely, creditors and debt collectors will sometimes negotiate a credit card debt down to something that a consumer can afford to pay.  Our Plantation Florida Credit Card Debt Lawyers can help you find the best options to get rid of your debt. Options for payment may include a payment plan or a reduction in the principle amount owed. Contact Light & Gonzalez, PLLC to see what your options are.


    Our Plantation Florida Credit Card Lawyers Can Help

    Bankruptcy is an option for some people to discharge their debts and start anew, but it is also possible that you may not qualify or that Bankruptcy is not the best solution for you. It is important to consult with an attorney to know what legal remedies are available to you and to advise you on what might be your best path.  At Light & Gonzalez Plantation Florida Credit Card Lawyers will shine a light on your legal path.  We will thoughtfully go over all your options to handle your credit card debts.


    Our Plantation Florida Credit Card Debt Lawyers Can Help

    We will always recommend that you explore every option you have available to you so you can make the most informed decision. We are happy thoroughly discuss the pros and cons of all options that are available to you for your credit card debt action.  It is our job to help you through one of the most difficult times of your life, and our Plantation Florida Credit Card Debt Lawyers will do everything we can to make the process as smooth and transparent as possible.


Unfair and inaccurate credit reporting can cost you thousands of dollars if it goes unnoticed. At Light & Gonzalez, PLLC our Plantation Florida Credit Repair Lawyers help to ensure only truthful and accurate information is being reported about our clients. When someone is going through financial hardship the last thing they need is to have sloppy credit reporting practices affecting their credit even further. We help our client’s fight back.  Depending on your circumstance we may even help negotiate with your creditors to reduce the amount they are demanding in their civil matter. Our South Florida won’t make any false promises or guarantee all negative information will be removed from your credit report.  Our firm is geared towards litigation, and after credit furnishers and credit reporting agencies are given a reasonable opportunity to correct the mistakes they made on your credit report, our next step is to file suit to enforce your rights.   Our lawyers may be able to assist you if any of the following has occurred:

  1. Someone else’s loan account is being reported on your credit report;
  2. A company is reporting inaccurate balance information;
  3. A lender or other business pulled your credit without your permission;
  4. Incorrect identifying information (address, phone number, name) is appearing on your credit report;
  5. You have disputed inaccurate information appearing on your credit report and the companies refuse to stop reporting this information
  6. Negative information is appearing on your account for a long time after it was initially reported.


Some companies will charge you simply to pull your report, but don’t be fooled you can pull your credit report for free! Another important right given to consumers under the Fair Credit Reporting Act and the regulations implementing it is the right to review your credit information from each of the three major credit bureaus annually.  The official website for receiving a copy of your credit report is  We will never charge a client to pull their credit report, and we will happily review your report with you to go over the information that’s being reported to ensure credit furnishers are reporting information accurately.  We are available for consultation in Plantation Florida to discuss your credit card debt matter, and we handle cases throughout South Florida. Whether you live in Broward County, Miami-Dade County or Palm Beach County our lawyers will work with you to try to get you the best possible results. Depending on your legal needs, we will try to negotiate down your credit card debt, or we will defend you in litigation. Sometimes there are legal defenses against credit card actions that consumers aren’t even aware of.

Contact Light & Gonzalez, PLLC today to speak with a credit repair lawyer. We will discuss all of the options you have available, and our lawyers will work with you to try to achieve your goals whether you would like to try to negotiate down your debt, or if you want to fight the bank through litigation.


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