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Debt Collection Lawyer in Miami

What Does a Debt Collection Lawyer in Miami Do?

When creditors enlist a debt collector to reclaim their debt, they will expect them to take every step to recover owed money. These collectors utilize various methods to try and collect the debt. Unfortunately, a time may arrive where the creditor realizes that the debtor will not pay.

Typically, this is where the creditor will turn the case over to a debt collection lawyer in Miami. 

Once they turn the case over to a legal firm, the debtor will likely receive notification of an intent to sue. Then, the lawyer can begin preparing their case and file actions to seek a judgment to recover any losses and costs accrued while attempting debt collection.

Both collections agencies and law firms perform similar roles in the pursuit of unpaid debt. 

While both remain regulated by the Fair Debt Collection Practices Act (FDCPA), the processes to collect the actual debt may appear vastly different. Read on to learn more about how debt collection lawyers work, in addition to how they can benefit creditors over other resources.

Commercial Debt Collection Lawyers

A debt collection lawyer in Miami specialized in issues concerning unpaid accounts. Creditors often seek their services to collect outstanding debts from customers. Some choose to employ these specialists when they find themselves facing difficult collections activities.

A debt firm differs from agents and collection agencies in various ways. Collection agencies operate solely on behalf of creditors. This means that debtors cannot employ a collections agency to help them assert their legal rights in a collections issue.

In most scenarios, a debt collector will serve as the first line of defense as creditors begin their debt collection cycle. Unfortunately for the creditor, the situation can go beyond the expertise and reach of a collection agency, necessitating expert legal intervention. Debts may also become unmanageable, requiring a lawyer to handle the case from that point on.

Debt collection lawyers can rely on legalities that credit collection citizens may not know about. In more extreme cases, they may also take the case to court to garnish wages or sell off liquid assets owned by the debtor.

Finding the Right Debt Collection Lawyer in Miami

The best collections firms must act quickly to file litigation and act on any amounts due to the creditor. This includes seeking remedies that help to insulate and protect clients, while additionally preserving potential assets.

Qualified attorneys will also remain well-versed in fundamental bankruptcy law and procedures. Swift, informed action will enable creditors to realize underlying collateral, obtaining appropriate orders to satisfy debts while also seeking protections for both tangible assets and asset value.

Professional legal services for creditors will also include guiding creditors regarding debtors that act dishonestly, potentially misrepresenting their assets or their liability regarding the creditor/debtor agreement.

Finally, creditors can establish and implement plans to gain back loaned money. This could involve handling the situation, negotiating during mediation, and representing the creditor’s best interests should a legal action reach the courtroom phase.

In any case, at the end of it all, an attorney can help seamlessly resolve the case in the end. A debt collection lawyer in Miami is the best possible recourse from a creditor feeling a debtor took advantage of them.

A Debt Collection Lawyer in Miami from the Law Offices of Paul A. Humbert, P.L.

Debtors often dread hearing from collectors looking for money. Similarly, creditors hate when individuals that owe them a debt dodge their contact initiatives. Debt collection attorneys can represent creditors while cultivating strategies that help retain money they loaned while also protecting them from bankruptcy and other situations that could protect the debtor.

When a creditor requires repayment, legal backing can help ensure the best course of action and the best possible outcome. This specialty additionally overlaps commonly with creditor rights law, working with creditors to protect their rights in debtor situations.

A debt collection lawyer in Miami will maintain open, as well as ongoing communication with their client, including a realistic assessment of a case, collections possibilities, and an honest perspective on the potential cost for litigation. This will also extend to alternative resolution methods like mediation, arbitration, and referral to small claims court.

To learn more about a debt collection lawyer in Miami from our firm, contact the Law Offices of Paul A. Humbert, P.L. today to schedule a consultation!


  1.  “Debtor Definition – Investopedia.” 26 Jun. 2019, https://www.investopedia.com/terms/d/debtor.asp. Accessed 29 Oct. 2019.
  2.  “Notice of Intent to File Lawsuit – Legal Beagle.” 12 Dec. 2018, https://legalbeagle.com/8688294-notice-intent-file-lawsuit.html. Accessed 29 Oct. 2019.
  3.  “What is a judgment? – Consumer Financial Protection Bureau.” 24 Oct. 2017, https://www.consumerfinance.gov/ask-cfpb/what-is-a-judgment-en-1381/. Accessed 29 Oct. 2019.
  4.  “Fair Debt Collection Practices Act (FDCPA) – Investopedia.” 17 Sep. 2019, https://www.investopedia.com/terms/f/fair-debt-collection-practices-act-fdcpa.asp. Accessed 29 Oct. 2019.
  5.  “Debt Collection – The Balance.” https://www.thebalance.com/a-background-on-debt-collection-accounts-960569. Accessed 29 Oct. 2019.
  6.  “Garnishment | U.S. Department of Labor.” https://www.dol.gov/general/topic/wages/garnishments. Accessed 29 Oct. 2019.
  7.  “Liquidation Definition – Investopedia.” 24 Apr. 2019, https://www.investopedia.com/terms/l/liquidation.asp. Accessed 29 Oct. 2019.
  8.  “How Bankruptcy Works in Florida | Nolo.” https://www.nolo.com/legal-encyclopedia/how-bankruptcy-works-in-florida.html. Accessed 29 Oct. 2019.

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