Michael Tierney, P.A.

Michael Tierney, P.A. Consumer Debt Defense, Creditor Harassement, Bankruptcy, Credit Report Issues, robo calls, credit repair scam victims, identity theft. Free consulation.

Welcome to the page of Michael Tierney, P.A., We are a law firm that focuses on helping consumers with debt issues: Credit Card Debt Defense, Debt Collector Harassment, Student Loan Issues and Bankruptcy. Michael Tierney is an attorney located in Winter Park, Florida who represents clients with Consumer Debt issues from the Panhandle to South Florida. He is an experienced trial attorney i

n the area of Debt Defense who regularly tries these cases to a verdict, something few attorneys do in this area of law. Debt collectors know his trial track record, and this often is an advantage in your case. The firm is small and personal where your case is given individual attention and not lost as in bigger firms. The firm aggressively moves your case to resolution. Many of our staff members are fluent in Spanish as well. Michael Tierney, Esquire has personally tried many debt defense cases, throughout Central Florida, to a verdict. We also aggressively file appeals for our clients in the area of debt defense in both the circuit appellate and district court of appeals. The debt defense cases are very specialized and hinge on knowing the rules of civil procedure and Florida evidence code inside and out! Any attorney can call the creditor to arrange a settlement, but few successfully try a debt defense case seeking to win on the merits. Call us to speak about our fantastic track record at trial. We realize if you are dealing with debt collectors, you may be harassed over the phone, cell, or by mail. Debt collectors use unfair, unethical, and ILLEGAL means to collect debts. If you are being harassed by debt collectors and need to know your rights, review the list on the debt harassment page of our website. Every client with Michael Tierney, P.A. receives personal attention. The firm is small and personal, where your case is given individual attention not found in bigger firms.

Under federal safety laws, employees generally have the right to refuse work that poses an immediate and serious risk of...
08/07/2026

Under federal safety laws, employees generally have the right to refuse work that poses an immediate and serious risk of physical harm. However, this legal protection usually requires you to notify your supervisor about the hazard and ask for a fix before walking away. Understanding these guidelines ensures you can stand up for your safety without jeopardizing your job.

Understand what Bankruptcy is and how it works. Learn if Bankruptcy is the right deb relief solution for you.

Chapter 12 bankruptcy offers a specialized debt reorganization path that allows family farmers and commercial fishermen ...
08/04/2026

Chapter 12 bankruptcy offers a specialized debt reorganization path that allows family farmers and commercial fishermen to restructure their debts over 3 to 5 years while keeping their operations running. Partnering with a skilled bankruptcy attorney ensures your farm or fishery meets strict statutory eligibility thresholds and successfully establishes a court-approved repayment plan.

Chapter 12 is a special form of bankruptcy filing in the United States that applies specifically to farms and fisheries.

Filing for Chapter 13 bankruptcy offers individuals and sole proprietors a way to protect major assets like homes and ve...
07/31/2026

Filing for Chapter 13 bankruptcy offers individuals and sole proprietors a way to protect major assets like homes and vehicles while setting up an manageable payment plan. This process temporarily halts most creditor collections, giving you breathing room to catch up on overdue debts. To keep these legal protections, you must fulfill key responsibilities like staying up to date on all past and current tax returns.

https://www.irs.gov/businesses/small-businesses-self-employed/chapter-13-bankruptcy-voluntary-reorganization-of-debt-for-individuals?

Filing for bankruptcy triggers an automatic stay, which legally halts collection calls, wage garnishments, and pending d...
07/28/2026

Filing for bankruptcy triggers an automatic stay, which legally halts collection calls, wage garnishments, and pending debt lawsuits. Under Chapter 7, qualifying individuals can have eligible debts completely discharged through a court process. Meanwhile, Chapter 11 gives business owners the right to restructure their debts while keeping their operations open.

Individuals and businesses alike can file for Chapter 7 or Chapter 11 bankruptcy. Don’t let the unnecessary stigma of bankruptcy stop you from a fresh start.

Defaulting on an SBA loan triggers severe legal consequences, including asset seizure, personal guarantee enforcement, a...
07/24/2026

Defaulting on an SBA loan triggers severe legal consequences, including asset seizure, personal guarantee enforcement, and federal collection by the U.S. Treasury Department. Consulting a bankruptcy attorney specializing in SBA workouts can help you negotiate repayment terms or draft an Offer in Compromise to settle your debt safely.

If you default on an SBA loan, your lender will attempt to collect the debt in all possible ways before filing for its guarantee from the SBA.

Resolving severe debt requires choosing between structured repayment plans, negotiated settlements, or federal bankruptc...
07/21/2026

Resolving severe debt requires choosing between structured repayment plans, negotiated settlements, or federal bankruptcy protection. A bankruptcy attorney can help you evaluate these pathways to legally discharge your liabilities while protecting your remaining assets.

Debt relief changes the terms or amount you owe to help you pay it off. Learn the pros and cons of bankruptcy, debt management, debt consolidation, debt relief programs and other options.

Ignoring a debt collection lawsuit can lead to serious financial and legal consequences. If you fail to respond to a cou...
07/14/2026

Ignoring a debt collection lawsuit can lead to serious financial and legal consequences. If you fail to respond to a court notice, a judge will likely rule against you automatically, allowing the collector to freeze your bank accounts or garnish your wages. Missing these critical deadlines is a common mistake that can make a difficult financial situation much worse.

Here’s what a debt collector can and can’t legally do when trying to collect a debt.

Lenders who deny you credit or inflate your interest rates must legally issue an adverse action notice detailing your sc...
07/10/2026

Lenders who deny you credit or inflate your interest rates must legally issue an adverse action notice detailing your score and the reporting credit bureau. If inaccurate reporting or hidden compliance errors caused your rejection, learn how a fair lending attorney can help you challenge the denial, dispute discrepancies, and legally force credit bureaus to scrub inaccurate data.

Did you apply for credit and get turned down? Or did a lender offer you less favorable terms for credit? If so, they have to give you a notice with certain information. Improving your credit may take some time, but taking some steps will help you do it.

Rebuilding credit after a financial crisis requires tactical management of payment histories, strict credit utilization ...
07/07/2026

Rebuilding credit after a financial crisis requires tactical management of payment histories, strict credit utilization limits, and proactive dispute resolution. Discover how a consumer protection or bankruptcy attorney can help clients audit their credit reports, challenge erroneous negative reporting, and establish valid, score-boosting credit accounts to secure their financial recovery.

How to rebuild your credit

Address

214 Palmetto Street
New Smyrna Beach, FL
32789

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+14077400074

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