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.
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.
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
•Lie about the debt, their identity, or the amount owed or send documents that resemble
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
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.
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.
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