Florida Debt Relief

Florida’s rising housing costs, hurricane-related expenses, and growing consumer prices have put financial pressure on families throughout the state. From Miami and Orlando to Tampa, Jacksonville, and the Panhandle, many Floridians struggle with high interest rates, medical bills, and everyday expenses that outpace income. ClearOne Advantage helps Florida residents take back control with personalized debt relief programs designed around your budget and long-term goals.

Key Highlights

• $3 Billion+ in Debt Resolved
• A+ BBB Accredited
• Average 45% Savings Before Fees
• Certified Debt Specialists

How Debt Relief Works in Florida

Our Certified Debt Specialists work directly with your creditors to reduce what you owe and consolidate everything into one manageable monthly plan payment. Most clients complete their program in 24 to 51 months.

Four Simple Steps

1. Free Consultation: Review your financial situation with a Certified Debt Specialist.
2. Personalized Plan: Get one affordable monthly plan payment tailored to your budget.
3. Resolve your Debts: We work with your creditors to lower balances and help you reach relief faster.
4. Graduate & move forward: Once your enrolled debt is resolved, you can move on and focus on what truly matters.

Debt Relief Options for Florida Residents

Debt Settlement

With rising living costs across Florida’s major cities, many residents turn to debt settlement when credit card balances become overwhelming. ClearOne Advantage negotiates directly with your creditors so you can resolve unsecured debts for less than you owe.

Debt Consolidation

Debt consolidation allows Floridians to combine multiple high-interest debts into a single predictable monthly plan payment. This option works well for residents with steady income who want a simplified approach to repayment.

Debt Management Plan (DMP)

A personalized debt management plan can make your monthly payments more manageable while helping you cut high interest charges. It’s an effective way to get ahead on your payoff timeline without taking out another loan.

Bankruptcy Alternatives

If other options aren’t suitable, bankruptcy may be a path forward. ClearOne can connect you with trusted professionals familiar with Florida’s Chapter 7 and Chapter 13 bankruptcy process.

Florida Debt Statistics and Financial Snapshot

• Average consumer debt: $97,147 [1]
• Average credit card balance: $6,460 [2]
• Average student loan debt: $39,574 [3]
• Median household income: $39,438 (one-person household) [4]
• Average credit score: 707 [5]

Florida residents often face rising insurance premiums, medical expenses, and housing costs that exceed the national average. Many households rely on debt relief programs to regain stability and reduce financial stress.

Florida Consumer Protections and Debt Laws

Florida Consumer Collection Practices Act (FCCPA)

The FCCPA works alongside federal laws to protect Floridians from illegal or abusive collection tactics. Collectors cannot threaten, harass, or misrepresent what you owe. [6] Statute of Limitations on Debt in Florida Florida’s statute of limitations for most consumer debts, including credit cards, is five years for written contracts. After this period, creditors may not be able to sue to collect, although they may still request voluntary payment. [7]

Wage Garnishment Rules in Florida

Florida generally allows wage garnishment, but limits apply. A portion of your disposable earnings may be protected depending on your income and household status. Certain income types, such as Social Security, may be exempt.[8]

State and Community Assistance Resources

• Florida 211: Statewide hotline offering financial assistance, housing support, and crisis resources. [9]
• Florida Housing Finance Corporation: Foreclosure-prevention help, rental aid, and homeowner assistance. [10]
• Legal Services of North Florida / Legal Aid programs: Free or low-cost legal help for residents facing collection or financial hardship. [11]

Why Choose ClearOne Advantage

• Proven Results: More than $3 billion in debt resolved
• A+ BBB Rating: Trusted by clients across the United States
• Accredited by the Association for Consumer Debt Relief (ACDR)
• No Upfront Fees: ClearOne Advantage’s fee is only earned after you approve each settlement and your first payment is made to the creditor. There are no upfront fees to enroll.

Read more about why you can trust ClearOne Advantage.

Reviews from Florida Customers:

“Feeling the weight of life during the holiday season and one phone call with Oirias and everything changed! He heard my concerns and addressed them while creating a manageable solution to satisfy my debt and allow me to rest easy. I had no intentions of making this phone call today but I did and it changed my life! Thank you!”

-L.S., Orlando, FL

Results may vary. Read more customer reviews across the United States.

This summary is not legal advice. Individual circumstances vary, and consumers should consult a licensed attorney regarding their rights under Florida law. 

Get a Free Florida Debt Relief Consultation

Take control of your financial future today. Speak with a Certified Debt Specialist to explore your options. There is no obligation, no upfront fees, and no impact to your credit when you inquire. 

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