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Q: How to send a demand letter for a loan repayment from a Florida resident?
I am an Italian citizen who lent $28,500 to a person residing in Florida in late October 2025 to purchase a vehicle. We communicated about the repayment terms via email and bank transfers. Despite these communications, I have not received the repayment as agreed. How can I formally send a demand... View More 
Andrey Mangushev
answered on Jun 29, 2026
answered on Jun 29, 2026
As a creditor seeking repayment of a $28,500 loan from a Florida resident, your strongest starting point is a formal written demand letter that creates a clear, documented record before any legal action is initiated. Florida courts look favorably on good-faith pre-suit efforts, and a well-drafted... View More
Q: Air ambulance billing issue not covered by insurance, facing collections, Florida.
I required an air medical evacuation in May 2025, and now the air ambulance company is billing me for charges not covered by my insurance. My Explanation of Benefits (EOB) states that the provider cannot bill me over the allowed payment amount. It took the provider 10 1/2 months to initiate billing... View More
Andrey Mangushev
answered on Jun 29, 2026
answered on Jun 29, 2026
You are in a very difficult position where an air ambulance company is trying to collect a large balance that your insurance has already denied, and the No Surprises Act provides important protections that you may not be aware of. Under the federal No Surprises Act, which applies to air ambulance... View More
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Q: How can I address an eviction notice as a DV victim in Florida?
I am a domestic violence victim residing in Florida. I recently received a notice of lease termination from my apartment due to noise complaints, which included audible threats. I am the only tenant on the lease. The property management is aware of the prior criminal case against my partner; the... View More
Andrey Mangushev
answered on Jun 29, 2026
answered on Jun 29, 2026
Florida Statute § 83.561 provides specific and powerful protections for domestic violence victims facing lease termination. Under that statute, a tenant who is a victim of domestic violence, dating violence, sexual violence, or stalking may terminate a rental agreement early by providing the... View More
Q: What are my rights and obligations in a Florida property inheritance buyout with mortgage?
My sister and I inherited our mother's home in Florida after she passed away in August 2024, and the deed is now in both of our names; however, my mother was the only person listed on the mortgage. I've been residing in the house since her passing and have been responsible for the... View More
Andrey Mangushev
answered on Jun 29, 2026
answered on Jun 29, 2026
As co-heirs who inherited your mother's home, you and your sister hold the property as tenants in common under Florida law, with each of you holding an undivided interest. The verbal buyout agreement your sister proposed is not legally enforceable as written: Florida's Statute of Frauds,... View More
Q: What are my legal rights if a dealership takes back my loan, after the finance company confirmed it?
I put down $1500 on a car on March 6, 2026. After making two months of payments, I was told that the dealership took back my loan, although the finance company still holds my lien. I've been emailing the finance company frequently, and they confirmed the loan was approved on March 6th, stating... View More
Andrey Mangushev
answered on Jun 29, 2026
answered on Jun 29, 2026
What you are describing is commonly known as "yo-yo financing," a practice that has generated significant litigation in Florida. Under Florida's Motor Vehicle Sales Finance Act, Fla. Stat. § 520.05, once a retail installment contract is executed and the finance company has funded... View More
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