St. Augustine Debtor / Creditor Attorney
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    When debtor-creditor situations become complicated, you need to consider contacting an
    attorney experienced in debtor-creditor law to help. For debt related legal questions, call
    Paul J. Cappiello P.A. in St. Augustine at 904-471-3434.

    Creditor Rights
    When a debtor fails to pay a debt, the person or business to which the debt is owed has
    several available remedies to help collect. Under certain circumstances creditors can
    repossess or foreclose on goods pledged as collateral for secured debts if debtors default
    on loan payments. Creditors may also be able to legally take back the property, sell it and
    apply the proceeds to pay off the debt.  If the sale price is not enough to cover the full
    amount owed, the debtor may still be liable for the remainder of the debt.

    Debtor Rights
    Under the federal Fair Debt Collection Practices Act (FDCPA), a debt collector can not::

    •Contact the debtor directly once the debtor is represented by an attorney, unless a court
    or the attorney gives the collection agency specific permission to do so.

    •Contact third parties other than the debtor's attorney or a credit bureau for any reason
    other than to locate the debtor.

    •Contact a debtor at work or while on the job; contact debtors before 8:00 a.m. or after 9:00
    p.m. or make phone contact without identifying himself or herself.

    •Publish a debtor's name on a "blacklist."

    •Threaten or use violence against the debtor or another person or use obscene or profane
    language.

    •Lie about the debt, their identity, or the amount owed or send documents that resemble
    court papers.

    If you are a creditor trying to collect a debt, there are many remedies and options available
    to try to collect that debt.  Likewise, if you are a debtor who has been the subject of
    unlawful debt collection practices, disputes the collection of a debt, or wants to try to
    negotiate payment of a lower amount than the entire debt, there are options available to
    you as well.   Either way, when issues involving the collection of a debt arise, or litigation is
    needed or ensues as a result of an attempt to collect a debt, then Paul J. Cappiello can
    assist you.

    Paul J. Cappiello is available to help clients throughout the First Coast region and
    Northeast Florida, including St. Johns County, Flagler County, Putnam County, Duval
    County, Clay County, and cities such as St. Augustine, Palm Coast, Jacksonville, Ponte
    Vedra, Palatka, Green Cove Springs, Bunnell, Flagler Beach, Hastings, Crescent City and
    Jacksonville Beach, FL.

    To learn more about your debtor/creditor legal options call 904-471-3434 or contact Paul J.
    Cappiello online.

1301 Plantation Island Drive South Suite 302B, St. Augustine, FL 32080 | Telephone (904) 471-3434 | Facsimile (904) 461-1412
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MAP AND DIRECTIONS

Paul J. Cappiello, P.A. represents individuals and businesses in the First Coast region and throughout Northeast Florida, including St. Johns County, Flagler
County, Putnam County, Duval County, Clay County, and cities such as St. Augustine, Palm Coast, Jacksonville, Ponte Vedra, Palatka, Green Cove Springs,
Bunnell, Flagler Beach, Hastings, Crescent City and Jacksonville Beach, FL.

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(904)-471-3434
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