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The Levey Law Firm, P.A.
800-618-9938

Results-Focused Representation
In Debt Collection And Business Litigation

Common Mistakes Creditors Make In Florida Debt Collections

Debt collection usually involves strict state and federal consumer protection laws. Florida debt collection errors can significantly reduce the chances of recovering what you are owed. That is why understanding the most common mistakes creditors make in Florida debt collection is the first step toward maximizing recovery.

At The Levey Law Firm, P.A., our lawyers provide creditors in Miami and throughout Florida with effective debt recovery strategies. Our senior partner, Lewis J. Levey, has experience with Florida courts, and since 1986, he has achieved over 10,000 wins, which equals an 85% success rate.

Mistakes To Avoid When Trying To Collect A Debt In Florida

These are common creditor mistakes in Florida to avoid:

  • Failing to act quickly after a judgment: By delaying enforcement, you may discover that the debtor has moved assets or closed accounts.
  • Failure to record liens or filing them incorrectly: Failure to record judgment liens in the appropriate counties or with the Florida Department of State can give other creditors priority over your claim.
  • Pursuing exempt assets: Assets such as some retirement funds or homestead property are exempted from collection.
  • Lack of proper documentation: Contracts, invoices, payment records and communications with the debtor help establish the validity.
  • Violating FDCPA and FCCPA laws: The Fair Debt Collection Practices Act (FDCPA) governs the conduct of many third-party collectors, while the Florida Consumer Collection Practices Act (FCCPA) also applies to original creditors collecting their own debts.
  • Misrepresenting debt amounts or terms: Attempting to collect unauthorized fees or misstating interest calculations may undermine the entire collection effort.

These regular mistakes creditors make in Florida debt collection are entirely avoidable with experienced legal guidance. Our knowledgeable attorney can help ensure that collection strategies meet FCCPA compliance in Florida.

Do Not Let Avoidable Mistakes Cost You The Judgment You Have Already Won

Getting the right guidance can help you avoid common mistakes creditors make in Florida debt collection. At The Levey Law Firm, P.A., we help creditors in Miami and the entire state avoid Florida judgment collection mistakes. Call us at 800-618-9938 or submit the online contact form for legal guidance.