Brevard Consumer Law CenterConsumer protection attorney · North Brevard
Financial stress does not just cost money. It can cost your home, your retirement, and your peace of mind. Brevard Consumer Law Center helps people find legal solutions that protect what they spent years building.
Sometimes the answer is bankruptcy. Sometimes it is foreclosure defense, creditor negotiation, a loan modification, student loan litigation, or protecting your home equity. The goal is the same: protect the client and create room to breathe again.
Before you drain retirement, borrow against your home, or give up equity you worked years to build, talk to a lawyer first.
Protect your future
One of the biggest mistakes people make is cashing out retirement or borrowing against home equity to pay credit cards, medical bills, or other unsecured debt. Qualified retirement accounts and Florida homestead protections may provide options worth reviewing before sacrificing long-term security to solve a short-term problem.
How can I help?
You do not need to know the legal answer before you call. Start with the situation that sounds closest to what is keeping you up at night.
Don't assume foreclosure means losing your house.
Since 2007, George has represented Florida homeowners in approximately 4,000 foreclosure cases, including approximately 100 foreclosure appeals. The focus is protecting both the home and the equity built over time.
There isn't just one way to solve overwhelming debt.
Sometimes the right answer is negotiation. Sometimes bankruptcy creates leverage. Sometimes consumer protection claims change the entire conversation. The strategy depends on the goal.
You may have more options than you've been told.
Student loans are not automatically untouchable. The office handles adversary proceedings, Department of Education negotiations, and reopening bankruptcy cases when appropriate.
Don't ignore it. The sooner you act, the more options you may have.
The first step is reviewing the lawsuit, garnishment, deadlines, and possible exemptions, then deciding whether defense, negotiation, or bankruptcy is the strongest response.
Your home may be your largest financial asset.
Before selling a home or borrowing against it to pay unsecured debt, the office can review whether bankruptcy, planning, or a controlled sale creates the better long-term result.
You do not need to know the legal answer before you call.
If a phone call is all you need, call. If an in-person meeting makes more sense, schedule a confidential appointment in Titusville and start with the actual problem you are facing.
First impressions matter
The office starts with the outcome the client is trying to protect: the home, the retirement account, the equity, the paycheck, or the ability to stop a case from getting worse.
“I do not start by asking whether you should file bankruptcy. I start by asking what outcome you are trying to achieve.”
Once the goal is clear, the strategy can be chosen with that goal in mind, whether it involves foreclosure defense, bankruptcy, student loan litigation, collection defense, negotiation, or equity planning.
Experience
The practice combines litigation, debt relief strategy, and practical planning for people under financial pressure.
Experience includes defending foreclosure actions involving complex issues around note authenticity and evidentiary proof.
Representation has included student loan adversary proceedings that resolved with reduced repayment obligations and discharge terms.
The practice also includes borrower-rights issues, Department of Education proceedings, FCCPA issues, and creditor collection practices.
George Gingo is admitted to practice in Florida state courts, the United States District Court, the United States Court of Appeals for the Eleventh Circuit, and is also a member of the California Bar.
Resources
These topics reflect the questions people often ask before deciding whether they need legal help.
A plain-English warning about protecting retirement before using it to pay unsecured debt.
What homeowners should know before a sale date gets too close.
Why some borrowers may have more options than they were told.
North Brevard
Based in Titusville and serving people dealing with debt, foreclosure, lawsuits, and equity problems across the area.
Free initial consultation
You do not need to have all the answers before you call. You do not need to know whether bankruptcy is the right solution. Start with what is happening, and the office can help sort out the next step.