If you have had enough with your credit cards, medical bills, or collection accounts, Call to speak with one of our representatives: 
(866) 910-9081

We specialize in:

• Unsecured credit card debt
• Medical bills
• Department store accounts
• Furniture loan payments
• Signature loans
• Overdraft agreements
• Collection accounts
• Balances owed on repossessions
• Old utility bills

If you have had enough with your credit cards, medical bills, or collection accounts, Call to speak with one of our representatives:  (866) 910-9081

Important  Florida Debt Settlement and Debt Consolidation Laws.

Florida (FL) works in accordance with the federal laws in dealing with collection agencies and or law firms that collect debts.  These laws are known as the Fair Debt Collection Practices Act (FDCPA).  More information about the FDCPA can be found here.

In addition:
Both the original creditor and debt collector can not communicate with the debtor’s employer before a judgement is obtained.
A Violation of this is punishable by up to $1,000 fine and the debtor is entitled to attorney fees and an amount equal to the damages they have sustained

The maximum charge a collection agency can charge in Florida is and 8% interest rate.

Florida Wage Protection is 100% protection for heads of family up to $500 per week

Maximum Interest Rate a Collection Agency Can Charge in Florida is 5% above Federal Reserve discount window rate at the time interest is due

Statue of Limitations.

The Statute of limitations is the amount of time by law for a set period of time after a certain event, that legal proceedings can happen based on that event can be initiated.  With debt, the statues of limitation apply to the time period after you have become past due on your payments.  In other words.  You are not considered delinquent based on your last payment, but rather the day that you went past due.

Oral Agreements are 4 years
Written Contracts are 5 years
Promissory Notes are 5 years
Open Accounts (credit cards) are 4 years

When dealing your old debt, it's vital to know your limits. It could be the difference between thousands of dollars in old debt or hundreds.

Once a debt passes beyond the statute of limitation in your state, a debt collection agency no longer has the right to sue you for payment.

Any debt collection agency who threatens to sue you over a debt that is beyond the statute of limitation in your state is in violation of the Fair Debt Collection Practices Act.

If you need help with a delinquent debt, visit the Web site of the National Association of Consumer Advocates or call us toll free 1-866-910-8091.
Contact your FL. state attorney general,

	Bill McCollum (R)	(850) 414-3300
The Capitol, PL 01, Tallahassee, FL 32399-1050 http://myfloridalegal.com/