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Florida Collections Questions & Answers
1 Answer | Asked in Collections and Probate for Florida on
Q: Need help with probate debt

I have an open probate in Florida for which I am the personal representative. The estate is owed $1,700 from a country club. They have yet to acknowledge any attempts to collect this debt. We have no one in the Florida area, so small claims does not seem to be an option. The cost of using the... View More

Terrence H Thorgaard
Terrence H Thorgaard
answered on Sep 13, 2020

Depending on the basis of the claim and if you have a contract providing that the prevailing party gets awarded attorney fees, you might consider that option. Or you could assign the claim to one of several debt recovery companies that pursue small claims cases all the time. But, if all else... View More

2 Answers | Asked in Contracts, Business Law and Collections for Florida on
Q: After years of a successful verbal partnership, what steps to take to ensure protection prior to confrontation on $ #s?

Have a verbal contract with years of recorded deposits proving the contract/agreement exists, some email evidence, but after realizing inaccuracies between their accountant's #s and my deposit #s vs our agreement, prior to confrontation or making them aware of suspicion, I need to consult an... View More

Ana Maria Del Valle-Aguilera
Ana Maria Del Valle-Aguilera
answered on Sep 10, 2020

Aside from your emails you must obtain as much information as possible regarding bank accounts and loans (bank statements, bank forms executed attesting to a partnership and the names of the individual partners, maybe even % of interest) , income tax records for past years, any contracts executed... View More

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1 Answer | Asked in Civil Litigation and Collections for Florida on
Q: judgment collection a small claim court.

I won a judgment in a small claim court. However, the defendant refuses to pay. What I can do? The defendant has a real estate property, but she put an enhanced life estate deed after she was notified of my intentions to sue her.

Should a file a Notice of Lis pendens with the Clerk of the... View More

Charles M.  Baron
Charles M. Baron
answered on Sep 9, 2020

Read the Florida Small Claims Rules, which are on-line. There are rules and associated forms for demanding the judgment debtor to disclose her assets, including bank account data, so that you can then attempt to garnish her account. Many such debtors will not comply with the disclosure demand, in... View More

2 Answers | Asked in Traffic Tickets, Criminal Law and Collections for Florida on
Q: License suspension due to non-payment of court cost?

I have outstanding court costs that have gone to collections from 2010 to 2017 I was wondering if there was any way that I can get my license back without having to pay the full amount do to me living on social security income

Henry George Ferro
Henry George Ferro
answered on Sep 8, 2020

You may be able to work something out with the clerk's office to get a clearance on your license. That may all depend on the number of cases that are pending and the locations of the tickets issued. Or, you may wish to contact a lawyer.

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2 Answers | Asked in Collections for Florida on
Q: In Florida, if a landlord has a judgment against you and has recorded the judgment can you still settle for less?

If you offer a lump sum in an amount less than the final judgment and the landlord agrees swill that satisfy the judgment?

Terrence H Thorgaard
Terrence H Thorgaard
answered on Aug 26, 2020

Yes, but be sure to get a satisfaction of judgment.

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2 Answers | Asked in Consumer Law and Collections for Florida on
Q: receiving text messages There is a file in our office needing your immediate attention, others asking me for phone #

Messenger also texting daughters. Also saying attempt to get a signature need address verification. 2 days ago we all got a private voice mail from a gentleman saying he had papers sealed for me to sign he would be her in 45 minutes, I waited 2 hours, no show, then late a text message asking if I... View More

Barry W. Kaufman
Barry W. Kaufman
answered on Aug 21, 2020

Sounds like a scam. No legitimate business operates like this. NEVER give them your information, because that's what they want.

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2 Answers | Asked in Consumer Law, Contracts, Criminal Law and Collections for Florida on
Q: I have some legal fines from about 20 years ago that I discovered recently. How can I go about getting these waived?

I have written a letter to the judge with no response.

Henry George Ferro
Henry George Ferro
answered on Aug 7, 2020

Pay the fines or hire a lawyer to file the appropriate motions...good luck!

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1 Answer | Asked in Collections for Florida on
Q: Does the statute of limitations stop for medical debt if you leave the state
Bruce Alexander Minnick
Bruce Alexander Minnick
answered on Aug 5, 2020

Leaving a state has nothing to do with owing a debt. All debts continue to exist forever regardless of where the debtor lives. If you are trying to shorten the SOL by relocating to another state you are probably wasting your time and giving more money away. If it was that easy nearly every debtor... View More

2 Answers | Asked in Collections for Florida on
Q: When I say I didn’t know about the collections bill I mean that they didn’t try hard enough to find me.

So their for I had no knowledge of owing it. I guess I’m trying to figure out how that’s remotely possible? I was never served either. So this totally makes no sense to me. Since the SOL has run out. Another thing I’m curious to know about, if they were to take me to court and they make me... View More

Barry W. Kaufman
Barry W. Kaufman
answered on Aug 3, 2020

If you are sued, please hire a lawyer. Otherwise, let it go.

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2 Answers | Asked in Collections for Florida on
Q: If I never paid on a collections bill from 2011, doesn’t that meant the SOL expired in 2016?

Services rendered supposedly in 2010, but they sent the bill to collections in 2011. However, no payments were made whatsoever. No one knew it exited. Because no action was taken.

Barry W. Kaufman
Barry W. Kaufman
answered on Aug 3, 2020

How many times are you going to ask the same question?

The statute of limitation begins to run when the last action needed to make a good cause of action accrues. Generally usually normally, this means the last time a payment was made. While there are circumstances which can pause the...
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1 Answer | Asked in Collections for Florida on
Q: I had a lawyer tell me that the SOL only gets extended if you make a payment. Is that not entirely true?

The sol has been expired for 5 years. No contact has been made from the collator until last week.

Bruce Alexander Minnick
Bruce Alexander Minnick
answered on Aug 3, 2020

Be careful: The normal SOL on an unpaid debt is five years; however, it is the EXACT date that counts when figuring the SOL date. Some people make the mistake of counting the years instead of starting on a exact date an extending it out for exactly five years from that exact date the last payment... View More

1 Answer | Asked in Collections for Florida on
Q: With a bill in collections that’s 10 years old, could they still seek to put a judgment out on me?

It’s way past the statute of limitations

Phillip William Gunthert
Phillip William Gunthert
answered on Aug 3, 2020

If you have not paid it and you did not get a judgment against you then it is likely that the Statute of Limitations (SOL) has expired, if they file a lawsuit then you would use SOL as your defense to dismiss the case.

2 Answers | Asked in Collections for Florida on
Q: If a debt collector sells a debt, Does the statute of limitations start all over?

It’s from 2010.

Barry W. Kaufman
Barry W. Kaufman
answered on Aug 2, 2020

No.

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1 Answer | Asked in Collections for Florida on
Q: If a debt happened before the marriage can a wife renew the statute of limitations over the phone?

The medical bill is from 2010. No one has reached out to us in the past 10 years. No calls, paperwork, nothing happened. We bought a house and have no derogatory marks on his credit report.

Barry W. Kaufman
Barry W. Kaufman
answered on Aug 1, 2020

No. Someone would have had to make a payment to extend the SOL. Yoir wife cannot agree to extend the SOL.over the phone. It appears the SOL long passed on this debt.

1 Answer | Asked in Contracts, Real Estate Law, Collections and Landlord - Tenant for Florida on
Q: What type of lawyer should I hire to fight a credit report of a debt that has been discharged but not paid in full?

6 years ago, I broke a lease. My roommate and I were both on the lease. The apartment company came after me with the full amount. I paid half. The full amount was still listed in my credit report. My roommate contacted them and they discharged the full amount. The debt no longer shows on my report... View More

Tim Akpinar
Tim Akpinar
answered on Jul 15, 2020

A Florida attorney could advise best, but your post remains open for two weeks. It looks like you already have good legal insight into your matter, and it looks like you essentially hit the relevant practice areas of law you need. An experienced collections defense attorney should know what to do... View More

2 Answers | Asked in Collections for Florida on
Q: What is the statute of limitations for Navient to sue for private loans?

The loans haven't been paid since 2014, but the loan holder (I'm the cosigner) has put it in forbearance for various reasons including a bankruptcy attempt. I heard the statute of limitations is about the last time you "acknowledge the debt." Someone else said "5 years... View More

Bruce Alexander Minnick
Bruce Alexander Minnick
answered on May 27, 2020

In order to get a definitive answer that can be relied on you will have to show all the controlling documents to a very experienced business contracts and banking lawyer and pay them to answer this unusual question.

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1 Answer | Asked in Collections for Florida on
Q: not on note but on mortgage

I quick claimed the deed to property to the borrower / note holder. Am I responsible if forclosure takes place? I am on the mortgage but not the note.

Barry W. Kaufman
Barry W. Kaufman
answered on May 19, 2020

If the property goes into foreclosure, you'll be a named defendant. If you never borrowed money to purchase the property, you won't be liable for any deficiency.

3 Answers | Asked in Banking and Collections for Florida on
Q: Since 2016 my loan payment has been made (accidentally) from a stranger's account within my same credit union.

They called today and said they just realized this. I have been getting notices every month saying the payment was made. But now they tell me I wasn't making it and want me to pay it all back. I'm devastated. I need a new car and will have to make two payments. I have lots of out going... View More

Barry W. Kaufman
Barry W. Kaufman
answered on May 5, 2020

What's your question? In round numbers, somebody paid 36 months of your loan payment, and in 36 months you never realized that the payment wasn't coming out of your account? Yes, you need to pay it back. You never paid it in the first place.

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2 Answers | Asked in Collections and Probate for Florida on
Q: I have a final judgment on an ex. He owned property but signed QCD to girlfriend days before recent death. Can I collect
Seril L Grossfeld
Seril L Grossfeld
answered on Apr 24, 2020

That may depend on whether the judgment was a lien on the real property. In order for the judgment to be a lien on real property you have to have had recorded a certified copy of the judgment on the public records in the county where the property is located. This serves as a lien with limited... View More

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4 Answers | Asked in Contracts and Collections for Florida on
Q: I joined a gym and was told it would be month by month and not a year long contract. I'm now being told it was year long

When I joined the gym they told me it was a month to month thing and not a year long contract. In fact I was told that this specifically was not a contract. I was not shown a contract nor did I receive a copy of anything. In January I stopped attending the gym and didn't update my payment... View More

Jeffrey Snyder
Jeffrey Snyder
answered on Apr 6, 2020

Do you have a copy of the contract that you signed? If not, get a copy and go from there.

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