American College of Attorneys Best of the Bar Award
10.0 Avvo Superb Lawyer Rating
Top 100 Trial Lawyers Award
Orlando Top Lawyers 2012 - 2024
Best Lawyers in America Award
Super Lawyers 2024 Award
Florida Legal Elite Award
Best Lawyers 2024 Award
Orlando Sentinel Best Bets Lawyer Award

Debt Collection Laws: How to Prioritize Bills in Foreclosure

Back To Foreclosure Defense Video Help Page

Back To Foreclosure Defense Video Help Page

If there is a time when you need to be familiar with the debt collection laws in Florida, it’s when your home goes into foreclosure. I mention in the video that the bank may pay your property taxes and likely even your home insurance, and you may not have to make those payments. But there are a lot of things you can’t just stop doing – far more than not paying HOA fees.

How should you prioritize your bills when you’re dealing with foreclosure? Is there a hierarchy that you should follow? Absolutely – and any good foreclosure attorney will tell you that you need to take care of yourself first. Sometimes that means declaring bankruptcy – but you still need to follow the hierarchy of making payments to continue living a normal life.

Speak with an experienced Florida attorney at our firm today.
Call 855-Kramer-Now (855-572-6376)
.

Debt Collection Laws: The Hierarchy of Making Payments

What does “taking care of yourself” mean? It’s pretty simple, really, and most of this would likely be the same whether or not you were dealing with the foreclosure.

Food, clothes, essential medical expenses. While not a bill per se, the first thing that you need to make sure you take care of is paying for the necessities that keep you healthy and proactive.

Utilities. You probably have a bit more leeway on your utility bills, but if you don’t pay up in a few months, companies tend to turn off water and power. That’s just not a livable situation.

Car loans. If you make payments on your car, you’d better do your best to keep up with them or you may find it repossessed. This is especially important if you drive to and from work.

Child Support. If you are divorced and have child support obligations, this payment will not go away and not paying can bring serious consequences.

Credit cards. You can string credit card debt along for a while, but the financing charges are so costly that it’s really much smarter to take care of them as soon as possible.

HOA. As you can see, dealing with the inconvenience of not being able to have pizza delivered comes fairly low on the list of priorities. Making your HOA payments is important, but it shouldn’t come at the expense of any of the above.

Debt Collection Laws: Talk to a Good Foreclosure Attorney about Your Situation

Of course, this hierarchy is subject to change based on your personal situation. You might, for example, need to pay income tax debts, need money for child care or to pay for tools that allow you to continue working and making money.

Regardless, speaking with an experienced debt settlement attorney about the debt collection laws in Florida can help you make the best decisions. No matter what your financial situation may be, you need solutions that will put you back in control of your debt and your life.

Get Help with Legal Issues Now! – Call 855-Kramer-Now (855-572-6376)
Back To Video Help Page

Free Case Review

All free case evaluations are reviewed by our legal team. For immediate assistance, please call us at 407-834-4847.

quick Links

HOW TO GET STARTED

Make Your Best Decision Today

STEP 1

Schedule your case review so we can help you.

STEP 2

Consultation

During your consultation we’ll review your options and see if we’re a right fit for you.

STEP 3

Representation

If we take on your case, you’ll be represented by the best.

Get Your Free Case Evaluation Today

The Orlando divorce lawyers at TK Law are deeply committed to the individuals and families they serve. We are here to help you resolve each legal concern so you can regain control and move forward with your life. You will also have a steadfast, accomplished advocate in your corner to fight for what matters most if a dispute goes to trial.

We know how overwhelming conflict can be and how painful it is to see a marriage end. We will guide you through this difficult process before, during and after your divorce.

Contact our offices today to schedule a confidential consultation with one or our family law attorneys, or call us at 855-572-6376.

407-834-4847

#1 RATED DIVORCE LAW FIRM IN SEMINOLE COUNTY*​

Our best awards are
client victories

Roy P.
Mar. 2024
Read More
Gastell and Kayla were awesome! They helped me make it through a very challenging time in my life with kindness and compassion. They were always available to answer my questions and kept me up to date. Their counsel was extremely helpful in aiding a resolution that I am very satisfied with.
Carmen D.
Mar. 2024
Read More
I give this law firm a 5 star. Ray and Janelise helped us with our probate issue and made the process a lot easier for us to finalized all of it. We're very thankful to this law office and recommend them for any legal issues.Thank you Janelisse and Ray and the entire office .
Alysia T.
Jan. 2024
Read More
I am thankful to Janelise and Kayla at TK Law for a fantastic job. Kayla guided me through every step of my divorce process. She is patient, professional, and honest. I highly recommend them!
Chris O.
Dec. 2023
Read More
This was first experience hiring a law firm and I am very happy that I hired TK Law. My attorney Janelise and Paralegal Kayla were kind, knowledgeable and made the process easy. They were quick to respond when I needed revisions to my document and the final outcome was perfect. If I ever need legal help in the future, I will not hesitate to contact TK Law again.

*Top-rating from clients and award publications such as Orlando Weekly, US News & more.​

GET YOUR FREE CASE EVALUATION TODAY

Schedule Your Case Evaluation

We offer payment plans, accept credit cards, are available for evening appointments and our main office is conveniently located right off of I-4, between 436 and 434. For immediate help call: 407-834-4847.

Disclaimer

The information found here is for general information purposes only. Nothing on this site should be taken as legal advice for any situation or individual case. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.

Contact

Phone: 407-834-4847
999 Douglas Ave #3333, Altamonte Springs, FL 32714

Service Areas

Orange & Seminole County, Florida.

Resources