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Florida Consumer Debt Help

Florida Consumer Debt Help

Debt Help - Call 813-907-2933

Debt Help - Call 813-907-2933

813-907-2933 to Begin the Debt Resolution Process Now

813-907-2933 to Begin the Debt Resolution Process Now



Stop Harassing Debt Collection Calls

Stop Harassing Debt Collection Calls

Debt Collector Harassment Suits

Debt Collector Harassment Suits

"LVNV Lawsuit Help...I recently asked a question regarding a lawsuit brought against me...and ATTORNEY HARWELL, was the only ONE out of 4 to actually HELP with real useful answers. Where to look, what to look for and an actual case to reference. What to do and not, etc.... She really offered a helpful answer ...Thank you Ms. Harwell, first impressions. Yours was awesome."

                                                                    - Effie

"Solid Advice, Great Demeanor....After being bounced from attorney to attorney, I finally found one that was looking out for my best interests and not for billable hours. Heather gave me great advice that aligned with what I thought was fair and proper, not the risky possible/maybe loophole options others had proposed. If I go to trial, I would want her by my side"


      - Mark

Attorney Heather A Harwell


licensed to practice law in Florida in 1989, has been practicing for over 30  years.  


National Association of Cosnumer Bankruptcy Attorneys
Appellate Practice Section Florida Bar


     Florida Bar

     United States Middle District of Florida

     United States Bankruptcy Court


      Mercer University School Of Law

      Michigan State University

      University of Michigan


      Juris Doctor | Law Mercer University

      Bachelor Of Arts | Michigan State Univ.

Attorney Harwell personally handles all aspects of your case. 

You will be able to speak directly to your attorney.

Your personal information provided to the firm is

viewed only by Ms. Harwell.


Your Chapter 7 Bankruptcy Case will not be handed off 

to a paralegal or data entry clerk for preparation of your

Chapter 7 Bankruptcy Petition, Schedules and related documents.

The defense of your debt lawsuit will not be handed off

to an inexperienced associate.

The negotiation of your debts will be handled completed  by Ms. Harwell.

"The Saint of Lawyers....After reaching out and consulting Mrs. Harwell about the case she was extremely friendly and helpful. She gave an honest response to how my case, (a breach of contract), would go and the assistance I would need. After reaching out to multiple attorneys that were not willing to provide consulting, Mrs. Harwell came to my rescue. If you are in the area and need legal help, she is hands-down the one to choose. Thanks!"       

                        - Josh

You may  speak with the attorney directly by calling  


any day of the week

between 10:00 am and 8:00 pm 

or by requesting a phone call via e-mail 

The Law Office of Heather A. Harwell, P.A. is a Federally designated debt relief agency which defends consumers and files suits on behalf of consumers pursuant to various Florida and Federal laws, including bankruptcy under Title 11.

Ms. Harwell, during her career, has worked as staff trial counsel for a fortune 500 insurance company, a trial / litigation attorney for a large Florida insurance defense firm, a trial / litigation attorney for well-known plaintiff personal injury firms and as a solo practitioner focused in the areas of civil litigation, appeals, divorce, collections, fraud investigation, wills and trusts, bankruptcy, insurance defense and probate.  Her diverse litigation background provides her a perspective and knowledge base not commonly associated with attorneys practicing in a single area of law.  Ms. Harwell's practice now focuses entirely on all multiple aspects regarding consumer debt and credit and has done so for approximately 20 years.  She now testifies as an expert witness for other attorneys handling debt defense and Fair Debt Law violation cases. 

Zealous representation and aggressive litigation do have their place but experience, preparation knowledge and, more often than not, pure hard work, are the hallmarks of good results.  Without these elements, pure aggressiveness as an attorney could be detrimental to a client's position and the overall outcome of a case.  A majority of successful results are reliant upon professional and informed negotiations.  It is an attorney's obligation to you as a client to understand the perspective of your opponent or potential opponents in order to anticipate and prepare for the opponent's potential actions that may effect you; Ms. Harwell's experience as both a plaintiff attorney, defense attorney, and appellate attorney as well as her experience representing husbands, fathers, wives and mothers, enables her a perspective that many attorneys who have not practiced on both sides of a case or outside the realm of consumer debt law do not have.  When necessary, Ms. Harwell follows the philosophy of President Reagan stated with regard to his successful encouragement to Soviet Union and East German leaders to tear down the Berlin Wall:



Trial and bankruptcy are generally the options of last resort as you are relying upon the decision of a judge or six strangers to determine the outcome of your case in trial and you have exhausted all other options with regard to bankruptcy.  But when you do need to file bankruptcy or litigate a case to trial, your attorney's preparation, experience and knowledge of the facts of your particular case are paramount.  An attorney, on behalf of his or her client, must anticipate and prepare for any probable likelihood, whether it be in the litigation arena or in filing bankruptcy. 

Ms. Harwell focuses on the ultimate goals of the client in each particular case and pursues a negotiation / litigation plan that she determines as the best plan for achieving those goals.  No attorney can ethically make any guarantees to you and, if an attorney does guarantee you results, you should beware. However, an experienced attorney, such as Ms. Harwell, can give inform you what results have occurred in cases similar to yours in order to give you a good idea what to expect in each step of your case. 

With our firm, you will be dealing directly, one on one with your attorney.  Ms. Harwell will provide an honest evaluation of your case and/or your legal needs based upon her 28 years experience and work with you to pursue the best plan in achieving your case goals. 

Get help before it's too late.

"Heather Harwell very highly recommended. Filing for Bankruptcy was a hard decision to make especially at my age. I thank Heather Harwell for all the excellent support 24/7, very professional, with impeccable knowledge. She is a perfectionist at what she does. Heather has an outstanding character very positive, reassuring, reliable, sense of humor and very considerate. The process was completed successfully."

     Thank you,

     forever grateful!

     -  Maria

The testimonials on this page represent actual client experiences.  However, each client experience is different and the attorney is prohibited by Florida Bar Rules from making any guarantees or promises.  The hiring of an attorney should never be based only on advertisements.  Feel free to contact the attorney directly for more information regarding her education, credentials and experience.

The Law Office of Heather A. Harwell, P.A. is a Federally designated debt relief agency which defends consumers and files suits on behalf of consumers pursuant to various Florida and Federal laws, including bankruptcy under Title 11.  The Law Office of Heather A. Harwell, P.A. handles Consumer Bankruptcy, | Chapter 7 Bankruptcy, Debt Defense Against Credit Card Lawsuits by Original Creditors  including American Express, Discover, T.D. Bank, Synchrony Bank, Capital One Bank, Credit One Bank and others;, Debt Defense Against Credit Card Lawsuits by Debt Buyers including Midland Funding, LLC, Portfolio Recovery Associates, LLC, LVNV Funding, LLC, and others; Debt Defense Regarding Automobile Repossession Deficiencies; Debt Defense regarding Foreclosure Sale Deficiencies; Garnishment Defense, Credit Reporting Issues, Lawsuits against Creditors & Debt Collectors violating Fair Debt Collection Law violations, and Appeals regarding Debt, Credit and Violations issues in the U.S.M.D. of Florida, Hillsborough County, Hernando County, Pasco County, Wesley Chapel, Zephyrhills, Spring Hill, San Antonio, Trinity, North Tampa, New Port Richey,  Lutz, Land O Lakes and surrounding areas.  EVERY CASE IS DIFFERENT.  The information provided in this website is meant for general informational purposes only and should NOT be construed as formal or comprehensive legal advice.  Visiting this website and/or referring to its content does not create an attorney-client relationship.  The attorney provides a no-contact consultation via telephone or video regarding Chapter 7 Bankruptcy, Debt Defense,, Debt Collector Violations, Debt Settlement, Debt Negotiation and Garnishment / Attachment Issues.

Principal Office and Mailing Address:  27524  Cashford Circle, Ste. 102, Wesley Chapel, FL  33544

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