St. Augustine Debtor / Creditor Attorney _______________________________________________________________________ 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 _____________________________________________________________________________________________________ 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. 2011 by Paul J. Cappiello, P.A.. All rights reserved. Disclaimer | Website and SEO by FLGALawyermarketing |