Business Details
23 Years
experience
Trusted Debt Defense and Credit Repair Legal Services
Michael Tierney, P.A. has been dedicated to consumer advocacy since 2003, specializing in debt defense, credit repair, and bankruptcy representation. Our firm is built on the principle that every client deserves personalized legal attention, regardless of their financial situation. With extensive trial experience in debt-related litigation, we leverage our proven track record to negotiate favorable outcomes with debt collectors and financial institutions. Our bilingual team provides accessible legal solutions, including free credit report reviews and no-upfront-cost representation in most cases.We serve clients across Central Florida from our Winter Park and New Smyrna Beach offices, maintaining a small-firm approach to ensure individualized case management. Our practice combines deep expertise in Fair Debt Collection Practices Act violations, identity theft resolution, and credit score improvement strategies to help clients achieve financial recovery. Through proactive case management and a commitment to client education, we empower individuals to resolve debt disputes and rebuild their financial futures.
Services
Auto Accidents
Credit Repair
Debt Collection Defense
Bankruptcy
Robocall Defense
Details
- Year established: 2003
Highlights and features
- We have 20+ years of experience in consumer debt defense litigation
- Our attorney regularly tries debt cases to verdict with proven results
- Small firm provides personalized case management and direct attorney access
- Bilingual staff serving Spanish-speaking clients across Central Florida
- Free credit report review and no upfront costs in most cases
What people say
Case dismissed with prejudice
Free legal representation
Quick resolution within weeks
Professional bilingual staff
No upfront costs
Services
Debt Collection Defense
Our debt collection defense service protects clients from harassing creditors through legal representation in Midland Funding lawsuits and other debt collection cases. With trial-tested experience since 2003, we've successfully dismissed hundreds of cases with prejudice, eliminating debt obligations while ensuring compliance with Fair Debt Collection Practices Act regulations. Our proactive approach combines immediate case evaluation, court filing preparation, and direct negotiation with creditors to achieve optimal outcomes for clients facing financial distress.
Credit Repair
Our credit repair service specializes in correcting inaccurate credit report information through systematic dispute processes with major credit bureaus. We help clients remove erroneous collection accounts, late payments, and identity theft-related entries that negatively impact credit scores. By leveraging our legal expertise in Fair Credit Reporting Act compliance, we've successfully improved clients' credit profiles within 30-60 days, enabling better access to financial opportunities while maintaining strict adherence to regulatory requirements.
Robocall Defense
Our robocall defense service protects consumers from illegal telemarketing practices and unwanted phone call campaigns. We specialize in identifying violators of the Telephone Consumer Protection Act and pursuing legal remedies for clients receiving unauthorized automated calls or text messages. Through comprehensive documentation and strategic litigation, we've secured favorable settlements and injunctions against persistent violators, restoring clients' peace of mind while ensuring compliance with federal communication regulations.
Bankruptcy Representation
Our bankruptcy representation covers Chapter 7 and Chapter 13 filings to help clients achieve financial fresh starts through legal debt discharge. We guide clients through the complete bankruptcy process from initial consultation to court representation, ensuring proper documentation and compliance with federal bankruptcy codes. Our service includes creditor protection during proceedings and post-bankruptcy credit rebuilding strategies, with particular expertise in handling complex cases involving multiple debt types and secured assets.
Identity Theft Claims
Our identity theft claims service assists victims in resolving fraudulent accounts and credit damage caused by unauthorized use of personal information. We implement multi-step resolution processes including fraud alerts, credit bureau disputes, and legal action against responsible parties. Our team works closely with law enforcement and financial institutions to clear clients' records while providing preventive education on protecting sensitive information, ensuring comprehensive recovery from identity theft incidents.
People
Michael Tierney
Attorney
Michael Tierney is an experienced trial attorney licensed in Florida since 2003, specializing in consumer debt defense and credit repair. With over 20 years of legal practice, he focuses on representing clients in debt collection harassment cases, credit report errors, and bankruptcy matters across Central Florida. His trial-tested approach and commitment to accessible legal services have earned him recognition as a leading consumer advocate in the region.
Questions
What legal services do you offer for debt collection issues?
We specialize in debt collection defense, including Midland Funding lawsuits, Fair Debt Collection Practices Act violations, and harassment protection through legal representation in court proceedings.
Do you charge upfront fees for your legal services?
No, we provide free legal representation in most debt defense cases with no upfront costs, only charging fees when we successfully resolve your case.
How quickly can you resolve debt collection cases?
Our average case resolution time is 11-14 days from initial contact, with many cases dismissed with prejudice within two weeks through our expedited legal process.
What areas do you serve in Florida?
We serve clients throughout Central Florida including Orange County, Seminole County, Volusia County, Brevard County, and surrounding areas from our Winter Park and New Smyrna Beach offices.
