Texas vs. Florida: What to Do When Debt Collectors Attack [Midland, Portfolio, LVNV, Cache LLC]

  Рет қаралды 17,005

Ricardo & Wasylik PL

Ricardo & Wasylik PL

3 жыл бұрын

When debt collectors come after you, what are the differences between Texas and Florida in how to fight back? Florida lawyer Mike Wasylik and Texas lawyer Bill Clanton talk about how you can fight back against debt collectors and junk debt buyers in each state. (SEE MORE ⬇️ )
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📞 TEXAS: to get in touch with Texas lawyer Bill Clanton, call: (210) 226-0800
📞 FLORIDA: to get help from Florida lawyers Mike Wasylik and Jason Ricardo, call: 352-567-3173
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🗣 FIND US ONLINE
Bill Clanton:
www.clantonlawoffice.com/
Ricardo & Wasylik:
ricardolaw.com
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🔔 Want MORE like this?
Subscribe to Bill's Channel:
/ @texasconsumerlaw
Subscribe to OUR Channel:
/ @rwlawfl
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🏷️ Click the Tags to learn more:
#creditcarddebt #debtcollectors

Пікірлер: 101
@RWlawFL
@RWlawFL 3 жыл бұрын
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@TheRonnierate
@TheRonnierate 2 жыл бұрын
Good to hear about Texas for a change. Bill Clanton should start making videos specific to Texas. I hope he does!
@RWlawFL
@RWlawFL 2 жыл бұрын
Bill has a whole KZfaq channel about debt collection and practices in Texas. Check the video description for links and contact info.
@lbizzy77
@lbizzy77 7 ай бұрын
Thanks for the video
@RWlawFL
@RWlawFL 7 ай бұрын
Our pleasure!
@robertwhite9898
@robertwhite9898 10 ай бұрын
Good information!
@RWlawFL
@RWlawFL 9 ай бұрын
Glad it was helpful!
@TariqLawPC
@TariqLawPC 2 жыл бұрын
Helpful info!
@RWlawFL
@RWlawFL 2 жыл бұрын
Thank you! What state are you in?
@TariqLawPC
@TariqLawPC 2 жыл бұрын
@@RWlawFL New York
@Krysandthefab5
@Krysandthefab5 27 күн бұрын
Thank you for this! I am in Houston area and I have been following all of your content. This is amazing! You have really helped me with my situation!
@RWlawFL
@RWlawFL 27 күн бұрын
Glad it was helpful!
@anniematthew2608
@anniematthew2608 Жыл бұрын
Thank you for the information presented here. I recently started seeing letters from lawyers in my mail, opened one & realized I'm being sued by portfolio, the letter states 9/15, I went to the courthouse to see if this was true, the clerk printed out the lawsuit papers against me. I was stunned. I haven't been served any papers. I'm researching how to handle this. I've had so much stress this year, dog death, my mom passed in May, no job, I'm depressed enough, didn't need any additional squeeze on me. 🥺😢
@RWlawFL
@RWlawFL Жыл бұрын
What state are you in?
@exoticnsx
@exoticnsx 2 жыл бұрын
So much knowledge here, I have been sued in GA where i live on a 2nd mortgage loan by a loan servicer from Colorado with a lawfirm that they are working with in Florida ,i am trying to settle with them but they are difficult ( is a bit over $20k)
@RWlawFL
@RWlawFL 2 жыл бұрын
I hope the information in the video helps you get a good settlement.
@ConsumerParalegal
@ConsumerParalegal 3 жыл бұрын
Listen to Alabama Consumer Protection Lawyer. He has decades of experience suing the debt collectors. You’d be surprised at the violations and damages you can get.
@RWlawFL
@RWlawFL 3 жыл бұрын
John is a great guy and a personal friend. We’re talking about doing one of these with him as well. Like John, we also examine our files to see what kind of violations exist and what kind of damages we can recover for our clients. Thanks for watching!
@paulpowers1698
@paulpowers1698 Жыл бұрын
Let me start by saying thank you for your great advice and time spent making these great videos now for my question how do I go about removing a bed report on my credit score that I have had no business with
@RWlawFL
@RWlawFL Жыл бұрын
You have a right to dispute anything on your credit report that’s inaccurate.
@jacquelinemanzano9328
@jacquelinemanzano9328 2 жыл бұрын
Personally, I am preferable to US District Court, as most consumer law falls within the ambit of federal statute and code. Almost no court appearances. all communications between plaintiff's and defendants can be done via email and telephone and US mail. The beauty of Federal court is that you are timely notified of every doc filed in the case by US mail and its easy to set up a pacer account to keep track of your case online, because you can check the docket report and there are no surprises.
@RWlawFL
@RWlawFL 2 жыл бұрын
Federal courts are also much more favorable for defendants.
@audreymay9378
@audreymay9378 2 жыл бұрын
Hi Mike Do consumers in Florida have to pay filing fees when responding to a debt collector lawsuit in form of a hearing or filing an answer? If so, is it a state wide requirement?
@RWlawFL
@RWlawFL 2 жыл бұрын
No fees for defendants.
@ExKUKicker
@ExKUKicker 2 жыл бұрын
Can you recommend a similar law firm on credit card debt in the Wichita, Kansas area? Thank You...Great Channel!
@RWlawFL
@RWlawFL 2 жыл бұрын
For Kansas and Missouri, we recommend Bryce Bell: bell-law-kc.com/
@bossladymoneyshaw4974
@bossladymoneyshaw4974 3 ай бұрын
Can a debt buyer change a acct they bought to open acct on my credit report. It was closed and now it showing opened. Then i have a letter showing 2 different amounts one from them and from there lawyer. Waiting on court hearing.
@RWlawFL
@RWlawFL 3 ай бұрын
If you have a court hearing, it's a mistake to focus on your credit report. Deal with the court hearing by getting a lawyer, then you can attack the credit reporting. Priorities matter.
@marissaortiz3455
@marissaortiz3455 2 ай бұрын
So say I have a Hospital bill from Florida back in 2018, I currently live in Illinois; however; the collection agency is from Texas. Who's statute of limitations do I follow? Florida is 5yrs, Illinois is 7yrs
@RWlawFL
@RWlawFL 2 ай бұрын
If they tried to sue you in Florida, the shorter would apply. I can't say whether Illinois would apply the longer or shorter limit because that's a question of Illinois law.
@rhondarudkin8863
@rhondarudkin8863 Жыл бұрын
It is happening! Working on fixing my credit and trying to resolve one thing at a time within the last 2 weeks and suddenly I have received strange phone messages threatening legal document service and robotic voice messages, etc. 😡 Trying to get things done rightly and they come out of the wood work I guess
@RWlawFL
@RWlawFL Жыл бұрын
Those are probably scam calls, and probably just a coincidence. If they're not sending you mail, they're probably just garden-variety crooks.
@julzee111
@julzee111 3 ай бұрын
Can u help post judgement? I am very confused by the fact that the attorney requested interrogatories and again this is post judgment. I filled out the interrogatories and returned them prior to the deadline, I was able to see that there was a hearing schedule and then come to find out that the judge just went ahead and appointed a receiver without even giving me a chance to present my circumstances, etc.
@RWlawFL
@RWlawFL 2 ай бұрын
What state are you in?
@julzee111
@julzee111 3 ай бұрын
What can I do if I completed the interrogatories on time and submitted them to the attorney but then found out my hearing had been canceled and then my bank account frozen. Am I not entitled to a hearing?
@RWlawFL
@RWlawFL 2 ай бұрын
It varies state by state.
@cassieeden626
@cassieeden626 Жыл бұрын
What if I’m being sued in El Paso, TX but I live in Charlotte, NC? I only know of this is because it was mailed to my moms house.
@RWlawFL
@RWlawFL Жыл бұрын
Getting sued in the wrong state is a violation, but if they don’t know where you are now, it may not make tactical sense to clued them in. Yes, however, the amount of the debt is small, then pursuing a claim under the FDCPA. It was probably going to be enough to wipe it out. You’ll need to find a lawyer in North Carolina and in Texas to let you know what you should do next in each of those states.
@JuliaRtv50
@JuliaRtv50 Жыл бұрын
Do you have any one to recommend in upstate NY? Please?
@RWlawFL
@RWlawFL Жыл бұрын
What specific problem are you trying to solve?
@scotttucker2557
@scotttucker2557 16 күн бұрын
Mr clanton i just contacted your office after seeing your responce here andvin your channel telling me to contact you
@RWlawFL
@RWlawFL 15 күн бұрын
Bill probably won't see this comment.
@ConsumerParalegal
@ConsumerParalegal 3 жыл бұрын
You should really consult with John Watts the Alabama Consumer Protection lawyer. He has great you tube videos. He talks like you can get so much more by their violations with punitive etc. more like up to 6 figures 😊😊😊
@RWlawFL
@RWlawFL 3 жыл бұрын
John is great, and we are definitely trying to set up a collaboration with him as well.
@leilabela8397
@leilabela8397 Жыл бұрын
Help I'm in Texas and just got second motion for summary disposition after I got thru first sj afraid won't get my jury trial judge is very mean too
@RWlawFL
@RWlawFL Жыл бұрын
Call Bill!
@leilabela8397
@leilabela8397 Жыл бұрын
@@RWlawFL bill who? What's the number?
@RWlawFL
@RWlawFL Жыл бұрын
Bill Clanton. The guy in the video. His number is in the description.
@sheisfabian390
@sheisfabian390 3 жыл бұрын
Who would you recommend I call for Mississippi I need help. LVLN lawyer sent a letter to me about a credit card debt that was opened in 2015 and I didn’t see that report on my credit report at all. It looks like to me that they may have re-aged the account after it was closed in 2017.
@RWlawFL
@RWlawFL 3 жыл бұрын
John Watts (Alabama Consumer Lawyer) is not in Mississippi but may know someone who can help you. kzfaq.info
@sheisfabian390
@sheisfabian390 3 жыл бұрын
@@RWlawFL ok who might you know that can help me?
@RWlawFL
@RWlawFL 2 жыл бұрын
Call John, if you haven't already, because he knows people in Mississippi.
@ezmima1175
@ezmima1175 3 жыл бұрын
I’m being sued by midland and I live in hays county (Texas) when I was served papers I saw it’s in the wrong precinct. What do I do and how do I respond to this?
@RWlawFL
@RWlawFL 3 жыл бұрын
Call Bill right away if you haven’t already. Seriously!
@RWlawFL
@RWlawFL 3 жыл бұрын
Call Bill right away if you haven’t already. Seriously!
@theonerealelvis7823
@theonerealelvis7823 2 жыл бұрын
What was the final outcome?
@miltchamberlain6218
@miltchamberlain6218 2 ай бұрын
Who do you recommend for GA? [Credit card debt collection]
@RWlawFL
@RWlawFL Ай бұрын
Steve Koval in Atlanta.
@miltchamberlain6218
@miltchamberlain6218 Ай бұрын
@@RWlawFL thank u!! 👍🏾
@27bobbyrix
@27bobbyrix 2 жыл бұрын
Got served in Florida on Oct.8 2021. My court date is on Dec 14, 2021. But in Florida you have 20 days to answer. Will i lose my case if i dont have answer in 20 days?
@RWlawFL
@RWlawFL 2 жыл бұрын
You definitely could! It’s actually very likely and if the amounts in question are that high you should DEFINITELY call us today. 352-567-3273.
@michellebrown6053
@michellebrown6053 2 жыл бұрын
I filed the answer, now I have to go to court. What do I need now?
@RWlawFL
@RWlawFL 2 жыл бұрын
You can either wing it, or get help. What state are you in?
@angelabeck5572
@angelabeck5572 Жыл бұрын
I received a writ of revival what is that
@RWlawFL
@RWlawFL Жыл бұрын
What state are you in? Florida doesn’t have a writ like that.
@kathleenhuff3059
@kathleenhuff3059 11 ай бұрын
Do you have a connection in Kentucky??
@RWlawFL
@RWlawFL 11 ай бұрын
Not at the moment.
@ega0117
@ega0117 2 жыл бұрын
What is the statute of limitations in Texas?
@RWlawFL
@RWlawFL 2 жыл бұрын
That's a great question to ask Bill. Have you reached out to him?
@audreymay9378
@audreymay9378 2 жыл бұрын
4 years
@MakeUpChic562
@MakeUpChic562 2 жыл бұрын
@@audreymay9378 that's what I heard as well but I've been getting mixed reviews on when the time starts when creditors start the clock on that situation.
@RWlawFL
@RWlawFL 2 жыл бұрын
Generally speaking ,the four years starts from the date of non-payment (at least in Florida) but every state has different laws. Check with a lawyer in your state to be sure.
@maria.chavez3147
@maria.chavez3147 Жыл бұрын
Can debt collectors put a lean on my property? They acquired my HOA debt and added insane fees. My original debt was $200 and now wasn’t $900.
@RWlawFL
@RWlawFL Жыл бұрын
In Florida, HOA's have enormous power-and can lien property easily. Some lawyers specialize in fighting them, but it can be expensive. Usually it just digs the hole deeper.
@samuelortiz3880
@samuelortiz3880 6 ай бұрын
Any contacts in CA?
@RWlawFL
@RWlawFL 6 ай бұрын
In California, call Mike Cardoza www.cardozalawcorp.com/ or Jay Rahimi: www.jrahimilaw.com/
@prettynpink1221
@prettynpink1221 3 жыл бұрын
I just got served from Midland. I’ve been reading they don’t usually buy documentation, just names and amounts, but what if the citation includes a couple of credit card statements? I’m in South Texas.
@RWlawFL
@RWlawFL 3 жыл бұрын
Call Bill first thing this morning. He’ll tell you exactly what he’s going to do to attack this.
@prettynpink1221
@prettynpink1221 3 жыл бұрын
@@RWlawFL thank you I will!
@RWlawFL
@RWlawFL 2 жыл бұрын
In Florida, they don't need contracts or more than one statement to prove an "account statement" claim. This is something that a LOT of people get wrong, and it's why junk debt buyers never sue for breach of contract. But even "account stated" claims have defenses. If you know what these are AND know how to raise them, you can beat these debt collectors like Neil Peart attacked a drum kit.
@juliosarmiento6703
@juliosarmiento6703 2 жыл бұрын
What ended up happening after you got served?
@theonerealelvis7823
@theonerealelvis7823 2 жыл бұрын
@@prettynpink1221 what was your outcome?
@ecgodsmack86
@ecgodsmack86 3 жыл бұрын
San Antonio
@RWlawFL
@RWlawFL 3 жыл бұрын
Bill is right there for you.
@jacquelinemanzano9328
@jacquelinemanzano9328 2 жыл бұрын
I have yet to find a debt collector who didn't violate the law!
@RWlawFL
@RWlawFL 2 жыл бұрын
What is your role in fighting debt collection?
@CynthiaMaus
@CynthiaMaus Ай бұрын
Credit cards are not secured debts!
@RWlawFL
@RWlawFL Ай бұрын
Correct, but you can still get sued for them.
@pauld.436
@pauld.436 2 жыл бұрын
What is Bills phone number in your video?
@RWlawFL
@RWlawFL 2 жыл бұрын
We put it in the description above, and here it is again: 📞 TEXAS: to get in touch with Texas lawyer Bill Clanton, call: (210) 226-0800
@cesar1804
@cesar1804 Жыл бұрын
I got a personal loan through FREEDOM FINANCIAL which 2 months later changed name to Achieve personal loan. However, the personal loan was originated by Cross River Bank. I got a letter from Axion Acquisition Ventures on July 3,2023. I responded by phone and requested more info. The rep kept offering deals from the beginning. Nothing was done i had to go . 2 days later call back ,I asked for the same rep, however, the second rep wanted my personal info including SSN. I ended up talking with the first rep i spoke before and requested a Validation letter .The rep kept telling me that it was going to take 15 days or 20 days. Then He said they might not be the owner of the account by then . He wanted me to take advantage of the deals. Also the account/debt was sold prior to another collection company i never heard of .It seems to me they may sell this account again . The question is why. What are the chances to be sued by whoever collection company ends up buyind this account, Also The letter shows the name Freedom Financial but mi credit report show Achieve personal loans. The balances are different as well.
@RWlawFL
@RWlawFL 11 ай бұрын
Sounds like you're on the right track. Watch our Debt Collection Battle Plan video to see what you should do next.
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