Debt Collection Defense in Florida
At Llorens Law, PLLC, we help consumers and businesses defend against unfair, inaccurate, and abusive debt collection practices. If you are being sued for a debt, receiving constant collection calls, or seeing errors on your credit report, you have rights. We help you understand those rights and take action to protect yourself. Debt collectors often rely on fear and pressure. You do not have to face them alone.
What Debt Collection Defense Means
Debt collection defense is about holding collectors accountable to the law. Collectors must prove the debt is valid, that they have the legal right to collect it, and that they followed strict rules when contacting you. When they fail to do so, you may have defenses and legal remedies available.
We review your situation carefully and help you determine the strongest path forward based on your goals.
How We Help With Debt Collection Defense
Defense of Debt Collection Lawsuits
If you have been sued by a creditor or debt buyer, we defend you throughout the lawsuit process. This includes reviewing the claim, challenging improper evidence, asserting legal defenses, and negotiating or litigating when necessary.
Challenging Invalid or Time-Barred Debts
We identify debts that are past the statute of limitations, lack proper documentation, or are otherwise unenforceable under Florida law.
Stopping Harassment and Abusive Practices
Debt collectors are prohibited from using threats, harassment, misleading statements, or excessive calls. We help stop these practices and pursue relief when your rights are violated.
Incorrect or Inflated Debt Amounts
Many collection accounts contain errors, including inflated balances, unauthorized fees, or payments that were not properly credited. We challenge these inaccuracies.
Credit Reporting Disputes
We assist with addressing inaccurate or unlawful credit reporting related to collection accounts, charged-off debts, and collection lawsuits.
Negotiation and Settlement
When appropriate, we help negotiate resolutions that reduce financial burden, avoid judgments, and bring matters to a close on reasonable terms.
Why Debt Collection Defense Is Important
Ignoring collection efforts or lawsuits can result in serious consequences, including wage garnishment, bank account freezes, property liens, and long-term credit damage. Many people lose cases simply because they did not respond correctly or on time.
Early legal guidance can help protect your income, assets, and peace of mind.
Why Choose Llorens Law
We take a firm but practical approach to debt collection defense. We review the facts carefully, explain your options clearly, and work to protect your income, assets, and credit.
Whether you are facing a lawsuit or aggressive collection efforts, we are here to help you regain control.
If you are struggling with any of the issues discussed on this page, you do not have to handle it alone. Debt problems can feel overwhelming and isolating, but you have legal protections. We offer free consultations to help you understand your options and take the next step with confidence.
Contact Llorens Law Firm for a Free Consultation
If you are dealing with any of the issues discussed on this page, you do not have to handle it alone. Legal problems are stressful, overwhelming, and often time-sensitive, but getting clarity early can make all the difference. We offer free consultations to help you understand your options, protect your rights, and take the next step with confidence. Reach out today and let us help you move forward.
