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James Turner

James Turner

Debt Collection Harassment Attorney
  • Collections, Consumer Law, Employment Law...
  • Florida
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Summary

Orlando Debt Harassment Lawyer - providing aggressive and affordable professional services to consumers who have been victims of debt harassment by debt collectors and other creditors who have used unfair and illegal collection tactics in attempting to collect a consumer debt, and other legal services for residents in Orlando, Kissimmee, and throughout the Central Florida Area.

Practice Areas
  • Collections
  • Consumer Law
  • Employment Law
  • Foreclosure Defense
  • Bankruptcy
Additional Practice Area
  • General Civil
Fees
  • Free Consultation
  • Credit Cards Accepted
  • Contingent Fees
Jurisdictions Admitted to Practice
Florida
Languages
  • Spanish: Spoken
Education
University of Miami School of Law
Doctor of Jurisprudence/Juris Doctor
Awards
Book Award Corporation Law
University of Miami School of Law
Professional Associations
Florida State Bar # 203041
Member
- Current
Publications
Articles & Publications
Successfully Defending Employees in Non-compete and Trade Secret Litigation
Florida Bar Journal
The Perils of (Reporting and) Not Reporting Sexual Harassment
Florida Bar Journal
Liability for Acts of Sexual Harassment in the Workplace
Florida Bar Journal
Speaking Engagements
Fundamentals of Student Loan Law, NALA, Orlando
https://lawprocle.com/
Websites & Blogs
Website
Website
Website
Orlando Overtime Pay
Legal Answers
22 Questions Answered

Q. I received a personal injury reward of15000. Can I use that to pay down my mortgage and would it be exempt from a 7 banc
A: The short answer is "yes." If you were to place the $15,000 in a bank or stock account, it would be included as an asset of bankruptcy. But, paying down your mortgage on your homestead property, you essentially improve your equity in your residence.
Q. How do I get medical collections bill off credit report?
A: You must write letters and to the Credit Reporting Agencies (CRA) and dispute the debt. They are required by law to contact the furnisher of the information and investigate you dispute. If it it not corrected, you can bring an action against the furnisher and the CRA's.
Q. I had a judgment in 2011 after I lost my house in foreclosure (Florida). How long do they have to collect?
A: How did they contract you? By phone or letter? You should ask if they have proof of ownership of the debt.
Q. Can a collections agency contact you at work?
A: The Fair Debt Collection Practices Act expressly prohibits collectors for contacting debtors at work if the collector knows, or has reason to know, that the employer prohibits such communications. Many employers have policies that prohibit employees from taking or making nonemergency calls for personal business, which would preclude an employee from taking a collection call.
Q. My vehicle that was included in my bankruptcy was totaled. Does the trustee determine who gets the refund?
A: If there is a payment by the insurance company, that payment should go first to the finance company and then, on a pro rata basis, to the other creditors. I cannot think of a circumstance where you would receive any of these funds.
Q. How do I get a copy of my credit report so I can start on fixing it. Have lots of medical bills because of a disability.
A: To obtain a copy of your credit report for all 3 bureaus, go here: www.annualcreditreport.com
Q. Are collections agencies allowed to call me at work?
A: The Fair Debt Collection Practices Act "FDCPA" prohibits debt collectors from contacting debtors at inconvenient or unusual places. Some workplaces, by their nature, are inconvenient places for debtors to take collection calls. If it's inconvenient for you to take calls at your job site, let the collector know. Another section of the FDCPA expressly prohibits collectors for contacting debtors at work if the collector knows, or has reason to know, that the employer prohibits such communications. Many employers have policies that prohibit employees from taking or making nonemergency calls for personal business, which would preclude an employee from taking a collection call. Because the law prohibits "communications," these restrictions apply to other forms of workplace communications, such as email, faxes, and texts.
Q. My wife recently received a letter from Hayt, Hayt & Landau, P.L. to collect a debt. What should we do?
A: Hayt, Hayt & Landau is a debt collection law firm located in Miami. I assume that the letter offers you the opportunity ask for documentation in support of the debt. You should get this documentation.
Q. Will getting married affect a chapter 7 if already in progress
A: Without any other information, getting married should not effect your Chapter 7.
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Contact & Map
100 S. Bumby Avenue
Orlando, FL, USA
Toll-Free: (888) 877-5103
Telephone: (888) 877-5103