My name is David Kennedy Bifulco and I have over 25 years of experience as a Pennsylvania Consumer Debt advocate. I represent individuals and families in the Greater Philadelphia area and I get a great deal of satisfaction in assisting my clients in working their way out of difficult financial situations.
If you, or anyone in your family has been the recipient of harassing phone calls from bill collectors or if you face garnishment of your wages or foreclosure on your home, then you are definitely under the financial gun.
To do nothing will just make your situation worse. But if you work with an experienced Pennsylvania Debt Settlement Attorney, it may be possible to put an end to the aggravation you are now experiencing.
The clients I represent are not looking for a free ride in fact, many are facing loss of income which makes it impossible to pay their bills in a timely manner. Look just below and see if any of the following issues sound familiar to you:
A decrease in the hours at your job
Actual loss of a job
A medical emergency
New circumstances in your life such as a new baby, college tuition or divorce
If you find yourself in any of the above situations, you can easily be pushed over the edge.
My clients prefer not to file bankruptcy and are looking for alternative solutions. Through my experience in the debt settlement and collections arena I provide the solutions and alternatives to filing bankruptcy.
However, some situations can only be remedied through bankruptcy. But often people say they wish they had known of the alternatives before they filed.
The collection and consumer protection laws have changed dramatically in recent years and are designed to assist individuals in making a fresh start without losing all they have worked so hard for, such as their homes, cars or retirement plans.
It's a proven fact that after resolving the debt issues people have they lead more productive lives and are able to contribute to society, because they no longer feel they are buried under that huge burden of debt.
Please call or email me to set up an appointment if you have any questions about your personal situation. I keep current on any changes in bankruptcy and consumer law and as an experienced attorney, I will always answer any question you might have.
As an Arbitration Manager and Attorney Manager for the two largest Arbitration and Collection firms in the world my responsiblity was making sure that the Attorney's and collector's performed in a professional, ethical and efficient manner in all cases. This saddly is not how most of the collection industry operates. That is why I am devoted to protecting consumers from predatory practices that are all too common in the debt collection industry.
Debt Resolution Practice
There are many attorneys who are familiar with filing Chapter 7 or Chapter 13 bankruptcy and Debt Settlement but here are a few things to keep in mind about my practice:
I practice alone with a small staff, and at your initial meeting you will be speaking to me, from start to finish. You won't meet with a paralegal or any other employee who cannot answer your questions.
Once I have resolved your case you will likely still have questions. And other issues may arise as well. I will continue to be there for you and if necessary, take additional legal action on your behalf. For instance, there are times when a creditor takes illegal action after a person has successfully completed a settlement such as reselling the debt to a third party after your case has been dismisssed in Court. If that occurs, I will step in and stop them!
In some cases Bankruptcy may be the only option and we will discuss those options as well.
Please call me at (610) 676-0650 and I will answer any questions you may have and I will probably have a few questions to ask you. Together we can determine if there is another option to filing Bankruptcy in Pennsylvania.
FDCPA - Bill Collector Harassment
It is extremely frustrating to be on the receiving end of abusive and harassing phone messages left by debt collectors, and many times it is the main reason people decide to file for bankruptcy.
In many instances, debt collectors break the law with their excessive and harassing phone calls. If you think you may be a victim, please know that you can fight back, because each individual has the legal right to be treated with decency and respect.
There is a law called the Fair Debt Collection Practices Act (FDCPA) that was put in place to protect an individual from harassment and abuse by debt collectors. When you work with me, you will be able to achieve a solution to your problem because you will know your legal rights and be able to act appropriately.
Please give me a call at (610) 676-0650 if you or any member of your family is being harassed or abused by a bill collector in the Philadelphia area.
A graduate of Temple University School of Law. Over the past 2 decades David Kennedy Bifulco has provided services to the Resolution Trust Corporation, Department of Housing and Urban Development, American Arbitration Association, Pennsylvania Business Bank, Sallie Mae and NCO Group, Inc.