We offer affordable, flat fee rates (with payment plans) that help Florida consumers resolve judgments taken by Discover Card.
Flat Fee Pricing with payment plans
Scheduled updates on your case
Tough, legal representation for you
Experience of serving thousands of clients
Who is Discover Card?
Discover Card is an original creditor that extended credit to a consumer. They file lawsuits against consumers in an attempt to collect the debt they feel is owed to them. If you did not respond appropriately they may have taken a judgment against you. In Florida, a judgment can be aggressively collected for twenty (20) years and even longer if they keep renewing the judgment. This gives Discover Card a long time in which to come after you. You may think that a judgment is just a worthless piece of paper. You may think that they can not force you to pay the judgment. You are wrong. Judgment creditors can garnish bank accounts taking your hard earned money. They can file a motion for receivership which allows them to remove money at any time from your bank accounts. They can stop the sale or purchase of a home or auto. They can try to sell any unprotected assets you may have in Florida. In short, whether a have the money to settle or not right now, it can get more costly the longer you avoid Discover Card.
Discover Card Contact Details
Discover Card is a creditor that claims you owed them money. They may have taken a judgment in Florida against you.
Their last known information is:
P.O. Box 30943
Salt Lake City, UT 84130-0943
What we do for you
Find out who to settle with Sometimes this is the most difficult part of the process. A copy of the judgment will need to be obtained from public records. You can then contact the attorney that represented the creditor in court. They may or may not be able to help settle the judgment. Sometimes the creditors that took the judgment are out of business, have declared bankruptcy, or sold the debt. You will have to find the entity that owns the judgment now and document how they own it. Even though the judgment creditor took the judgment they may have sold the judgment to another company.
Create a hardship letter A hardship letter needs to document the reasons why the judgment creditor should reduce the amount that they are owed. A good hardship letter should be able to provide details of a job loss, divorce, medical issues, or any other event out of the ordinary that inhibits your ability to pay the full amount due.
Negotiate A judgment creditor has all the power in a settlement negotiation. Until the client agrees to pay a price that judgment creditor wants, they will not sign off on the release of judgment. A good hardship statement and correct documentation may persuade the creditor to reduce the amount of money they are demanding. The perfect settlement price is what a client is willing to pay and what the judgment creditor is willing to accept.
Write a Release of Judgment This is the document that after signing will be sent to the court and recorded in public records proving that the judgment is released. If this is not written correctly or signed off appropriately, then it may be invalid.
Help Transfer Money and Get Release of Judgment Signed It is imperative that you make sure that if you send money to a judgment creditor, they will release the judgment as agreed. If they do not then you may have to take more expensive
File Release of judgment in the correct county The settlement process is not complete until you file an original copy of the release of judgment inside the county that the judgment was taken. Most Florida counties charge a small fee to file documents into the public record.
What happens if I don’t settle Discover Card judgment?
Many choose not to answer or deal with a judgment. In that case, a judgment debtor (you) can expect to:
Public Records Searches In Florida judgments automatically are good for 20 years and possibly more. They can renew the judgment and it can stay in public records for a long time. A judgment can prevent you from purchasing homes and cars and an employer may deny employment. Judgments do keep increasing in value. They carry a state minimum interest rate that judgment creditors often calculate.
Garnish bank accounts A judgment creditor may be able to do a bank garnishment and take the money you have in it. Many are forced into closing their bank accounts and paying everything in cash.