Have you been sued on a debt? Regardless of the merits of the lawsuit, some questions may be bothering you: How did the bill get so high? Didn't I have a limit that was much lower than this? Who is the person suing me, I don't recognize them? You have a right to have your questions answered. Debt collectors often make bold claims that they cannot back up. It is your right to defend yourself from their accusations.

Debt Buyers

Many lawsuits working their way through the court system are actually debt buyer cases. A debt buyer purchases debt from a creditor, such as Bank of America or Citibank, for a reduced amount, typically $.03 or $.04 on the dollar and sues you for the entire balance, adding as much interest and attorneys fees as they can get away with. These companies make money because the average consumer does not understand their legal rights and does not consult a lawyer.

Debt buyers are known for their tough talk, but usually have difficulty backing it up. To get consumers to pay, they often make harassing threats. As experienced and knowledgeable attorneys, we are prepared to use these violations of your rights to your advantage, dramatically changing the odds in your favor.

The horror stories of consumers harassed and intimidated into paying debts that weren't theirs or were very, very old, and past the statute of limitations, are awful. A brief consultation with our office can expose your rights and protect you from facing this ordeal alone.

Contact us for a Free Consultation and we can explain your rights and options.

Consumer attorneys Patrick Vincent and Scott Cedola defend the rights of consumers throughout Florida. Their main office is located in Tampa. They currently accept cases in Hillsborough, Pasco, Pinellas, Polk, Brevard, Volusia, Seminole, Palm Beach, Broward, Miami-Dade, Lee, Sarasota and Manatee County.