Sherry Ellis, Author at Sherry Ellis Law, PLLC

12 Sep 2023

I wish I had a dime for every client who thought they were doing the right thing by paying a debt consolidation company each month to pay their creditors and then they receive a summons/ lawsuit from one of their creditors. They are upset and wonder where their money went. What was it used for? Is it refundable? What are the monthly fees for if the company was simply banking their money? They ask me, what is the point of hiring a debt consolidation company?

If you are considering hiring a debt consolidation company, know the correct questions to ask. I have gathered a list of questions over the years. My clients educate me on so many things, it is amazing.Ask: How long they have been in business, are they

7 Sep 2023

In one State 4 Hurricanes happened in 6 weeks. Can you guess what State? It was Florida. Those of us living here at the time will never, ever forget it. Chapter 7 and Chapter 13 Bankruptcies were the only options available to many hit hard.

https://www.noaa.gov/stories/4-hurricanes-in-6-weeks-it-happened-to-one-state-in-2004#:~:text=Florida%2C%20officially%20known%20as%20the,during%20the%202004%20hurricane%20season.

5 Sep 2023

Consumer advisory: Take action when home insurance is canceled or costs surge

https://www.consumerfinance.gov/about-us/newsroom/consumer-advisory-take-action-when-home-insurance-is-cancelled-or-costs-surge/

4 Sep 2023

I like to offer my clients tools to improve their credit scores. One of the greatest tools I have come across is Boost with Experian. Using Boost could improve your credit scores almost instantly and yes, it is free. Check it out, you may be able to improve your FICO score with popular bills you pay monthly such as Netflix, AT&T, Verizon, utility bills, and rent. My clients follow up with me and they share their boosts in credit scores with me.

https://www.experian.com/consumer-products/score-boost.html

4 Sep 2023

How to protect yourself when dealing with debt collectors. Know your rights, know where to report a complaint.

https://www.myfloridalegal.com/consumer-protection/how-to-protect-yourself-debt-collections

18 Aug 2023

What is a buyback plan in a Chapter 7 Bankruptcy Case?

A buyback plan is done in a Chapter 7 case. If the debtor wants to keep assets over the State’s allowable exemptions, I can negotiate an agreement with the Trustee. Say, for example, my client is $1000-$3000 over the allowable exemptions and they want to

15 Aug 2023

Have you been a victim of a scam?

https://www.myfloridalegal.com/consumer-protection/consumer-alerts

8 Aug 2023

Credit card companies are filing lawsuits on debt owed as little as $1000.00-$2000.00.

If you receive a notice to appear and a summons, call me and go over your options, do not ignore it.

3 Aug 2023

Keeping a small business open after Season has ended can be worrisome.

If you own a small business in Florida, the season has ended, and staying open can be challenging. Many businesses were able to stay afloat during the pandemic with the aid of government assistance. Things are changing and business owners are faced with difficult decisions