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Cichon, Scott W. Attorney

Cichon, Scott W. Attorney from Daytona Beach Florida works as Attorneys, Bankruptcy Lawyers, Collection Lawyers, Construction Lawyers, and Debt Consolidation Lawyers. Feel free to contact us at the following contact information.

150 Magnolia Avenue Daytona Beach Florida, 32115
[Open in Maps]

(386)255-8171

(386)258-5068

www.ccb.com

scich(at)ccb.com

Last updated 2022-07-16

Specialties of Cichon, Scott W. Attorney:
  • Attorneys
  • Bankruptcy Lawyers
  • Collection Lawyers
  • Construction Lawyers
  • Debt Consolidation Lawyers
Attorneys: A lawyer is a person who practices law, as an advocate, barrister, attorney, counselor or solicitor or chartered legal executive. Working as a lawyer involves the practical application of abstract legal theories and knowledge to solve specific individualized problems, or to advance the interests of those who hire lawyers to perform legal services. The role of the lawyer varies greatly across legal jurisdictions, and so it can be treated here in only the most general terms.
Bankruptcy Lawyers: Bankruptcy law provides for the development of a plan that allows a debtor, who is unable to pay his creditors, to resolve his debts through the division of his assets among his creditors.The philosophy behind the law is to allow the debtor to make a fresh start, not to be punished for inability to pay debts. Bankruptcy law allows certain debtors to be discharged of the financial obligations they have accumulated, after their assets are distributed, even if their debts have not been paid in full. Some bankruptcy proceedings allow a debtor to stay in business and use business income to pay his or her debts.
Collection Lawyers: Debt collection is the process of pursing payments of debts owed by individuals or businesses. An organization that specializes in debt collection is known as a collection agency or debt collector. Most collection agencies operate as agents of creditors and collect debts for a fee or percentage of the total amount owed. There are many types of collection agencies. First-party agencies are often subsidiaries of the original company the debt is owed to. Third-party agencies are separate companies contracted by a company to collect debts on their behalf for a fee. Debt buyers purchase the debt at a percentage of its value, then attempt to collect it. Each country has its own rules and regulations regarding them.
Construction Lawyers: Construction law is a branch of law that deals with matters relating to building construction, engineering and related fields. It is in essence an amalgam of contract law, commercial law, planning law, employment law and tort. Construction law covers a wide range of legal issues including contract, negligence, bonds and bonding, guarantees and sureties, liens and other security interests, tendering, construction claims, and related consultancy contracts. Construction law affects many participants in the construction industry, including financial institutions, surveyors, architects, builders, engineers, construction workers, and planners.
Debt Consolidation Lawyers: Debt consolidation is the replacement of several loans by taking out one loan usually at a lower interest rate. It is used to manage outstanding consumer debt such as student loans, credit cards, and auto loans. It is often done when the consumer has trouble meeting the existing obligations. Debt consolidation will often lower monthly payments. It can also be called a consolidation loan. More often, debt consolidation involves a secured loan against an asset that serves as collateral. Debt consolidation enables consumers with a home or car to get a lower rate through a secured loan using their property as collateral.

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