The Collections practice area handles legal collection cases in the courts throughout Florida and Georgia. We have experience handling both consumer and commercial debts. Our collection services are structured to provide cost-effective but aggressive legal collection services.

Our Collections practice area is divided into two teams: pre- judgment collections and post-judgment collections. Pre-judgment collections handles all legal services up to obtaining a Final Judgment. Pre-judgment collections services include demand letters, lawsuits to collect outstanding balances on a loan or overdrawn deposit account, negotiating and structuring pre- judgment payment arrangements and obtaining a final judgment. The lawsuits on outstanding balances owed to our clients include lawsuits to collect deficiencies on loans after the collateral is recovered and sold, whether it be an automobile, boat, RV or real estate.

The post-judgment team takes over the file upon obtaining a Final Judgment. The post-judgment team works to make sure the judgment is a valid lien on the Debtor’s non-exempt property and pursues post-judgment discovery to locate assets and sources of revenue. Once assets or courses of revenue are discovered, we handle garnishment actions, levies and other post-judgment remedies to collect on outstanding judgments.

In addition, our collections department handles replevins (Florida) and writs of possession (Georgia) to recover personal property under lien to the Credit Union. A replevin/writ of possession is used when a lender cannot legally recover personal property collateral on a defaulted loan.

While we are aggressive, we comply with all applicable laws and regulations. We regularly evaluate and adjust our practices to remain compliant with the ever-changing laws and regulations that govern the services offered. We understand that we are acting as our client’s agent and that illegal or improper activity can put our clients at risk.