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Debt Collection Laws: How to Prioritize Bills in Foreclosure

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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)
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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.

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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.

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Diance C
Feb. 2025
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I had the pleasure of hiring Ms.Gastell for my divorce. I was kept informed at all times of any information relating to my case. Ms. Gastell worked deligently and was always ready to listen and help with any my concerns during a very difficult time in my life. I highly recommend TK Law PA.
John M.
Oct. 2024
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My wife and I finally took the steps to start the estate planning process as we are not getting any younger and we didn't want to leave a mess for our daughter to have to clean up. We have witnessed this far too many times of the last few years, as relatives have passed away only to watch the circus play out afterward. TK Law provided a wonderful experience from start to finish. Everyone at the office that I had the pleasure of working with was extremely professional and got back to me in a timely manner with any questions that I had. My wife and I really appreciate all the hard work and are very thankful to get all our estate planning needs met. We now have the peace of mind that we have done all that we can to minimize any issues after we pass.
JD
Sept. 2024
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On August 7, 2020, I was fortunate TK Law Firm was suggested as the first option for Divorce and Family Law. I was blessed to be represented by Ms. Janelise Gastell and TK Law Firm Support Staff. Ms. Gastell has the qualities and standards of integrity, ethics and loyalty. Ms. Gastell's dedication and determination resulted in positive results. Ms. Gastell challenged me to put in the same amount of effort. The end result was the divorce being finalized on September 4, 2020. Four years later, the money spent was an outstanding investment. The financial investment was an integral part of moving forward in my life. This included my well being mentally, physically, emotionally and spiritually. If potential clients are searching for excellent Divorce and Family legal representation. My recommendation would be Attorney Janelise Gastell. Thank You.
Benjamin C.
July 2024
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TK Law is highly recommended for anyone seeking legal representation. They combine exceptional legal expertise with a client-centered approach, ensuring you receive the best possible outcome. Throughout my case, Attorney Gastell and Paralegal Kayla consistently demonstrated unparalleled expertise. They were patient, persistent and dedicated to protecting my interests to ensure a positive outcome. #onefirmforlife
Carmen D.
Mar. 2024
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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 .
Chris O.
Dec. 2023
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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.
Lisa L.
2023
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The divorce process is never easy, but everyone one at TK Law made it as easy as possible. Kayla Johnson, my paralegal was always available, helpful and understanding of the situation. Attorney Janelise Gastell was also extremely helpful. She made sure all decisions were made in my best interest. My divorce seemed to take much longer than the average due to the other side, but both Ms Johnson and Attorney Gastell kept things moving as quickly as possible.

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

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