Elfers Lawyers

Managing Partner for Karol, Hausman, Sosnik & Finchum, LLP. Board Certified in Elder Law and Co-Chair of the Special Needs Trust Committee of the Florida Bar Elder Law Section.

Dealing with serious debt can be risky: Doing nothing can lead to forced collection and garnishment; doing the wrong thing may result in overpayment and could still lead to legal problems. We help our clients develop a strategy to eliminate serious debt through discharge or an affordable payment plan. We will evaluate your options - in and out of bankruptcy - based on legal qualifications, risk, and cost. In some instances, we may even be able to have your creditors help fund your debt resolution options if they have violated your consumer rights. And when its...