Debtors’ Rights

In Florida thousands of debt lawsuits are filed by creditors and debt-buyers every month. Whether you have been sued by a credit card company, bank, credit union or debt-buyer, it is crucial to respond to the lawsuit in the correct manner and in the short timeframe allowed by law. Failing to make the correct arguments can cause you to lose your case as soon as it starts and can potentially cost you thousands of dollars (or more) in the long run.

Our debt attorneys are extremely well-versed in debt defense laws, the legal process and the various deadlines involved and will take the time to carefully explain everything to you. Together, our law firm will fight to save you as much money as possible, while limiting damage to your credit reports and eliminating the worry and fear associated with taking your creditor head-on, all by yourself.

Our law firm realizes that if you are being sued by a credit card company, bank, credit union or debt buyer, for an unpaid debt, that you likely do not have very much money to spend towards legal representation. That is why Kaniuk Law is dedicated to offering quality legal representation for people of all financial situations. We offer competitive rates and accept payment plans to make our fees even more affordable. When you contact our firm for a free consultation, you will be told exactly how much it would cost to hire us, so you can make an educated decision on whether you would like to retain our services. Our goal is to save you as much money as possible – and we even take that into account when quoting our legal fees.

When You Hire Kaniuk Law, Our Lawyers Make It So You Can:

Debtors Rights


Ron Kaniuk is the Founder and Managing Partner of Kaniuk Law Office, P.A.

For more than 25 years, he has and continues to represent individual and business clients throughout the State of Florida.

Ron is an “old school” general practitioner who keeps up with practice innovations and technological advancements and focuses his practice on representing individuals and small business owners.

For his individual clients, Ron uses the legal system to solve a wide range of financial problems. He helps these clients with debt management, debt negotiation, small claims debt litigation, foreclosure defense, and Chapter 7 and Chapter 13 bankruptcies. He also co-counsels matters with other attorneys in the areas of real estate, personal injury, immigration, and estate planning and probate.


Select list(s) to subscribe to

By submitting this form, you are consenting to receive marketing emails from: Kaniuk Law Office, P.A., 1615 S. Congress Avenue, Delray Beach, FL, 33445, You can revoke your consent to receive emails at any time by using the SafeUnsubscribe® link, found at the bottom of every email. Emails are serviced by Constant Contact


Contact us to schedule your free, no obligation strategy session with one of our experienced attorneys.

During your confidential session, we will discuss your unique situation, answer all your questions, and develop a custom or tailored plan of action.

If we can help, we will present you with some options. Regardless of whether you retain Kaniuk Law or not, you will know where you stand and have a plan to deal with your situation.

Click here to schedule your free, no obligation strategy session.


1615 S. Congress Avenue, Suite 103,
Delray Beach, FL 33445


Phone: +561.292.2127


Monday-Friday: 9:00 AM – 5:00 PM *On-call via phone/email when you need help!