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Author Archives: Rob Hiday

“Judgment Liens” on Personal Property in Florida

“Judgment Liens” on Personal Property in Florida

Many creditors are mystified when it comes to actually collecting money on the judgment that they have recovered against a debtor in Florida. Some have heard of judgment lien certificates (JLC), but most don’t really know what they are or how they work. Chapter 55 of the Florida Statutes provides for the creation of a statewide personal property judgment lien, but what does that mean? Once the judgment is entered, you can file an electronic form and create a lien against all non-exempt personal property of the debtor. These liens are valid for 5 years and can be refiled for five more (but they do not relate back to the original filing).

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Interest Disclosure

Interest Disclosure

A recent case from the Southern District of New York, published just weeks ago, goes a long way toward clarifying what collectors are and are not able to state in the initial demand letter (IDL). In CHRISTINE TAYLOR, et al. vs FINANCIAL RECOVERY SERVICES, INC., a collection agency sent notices to two different consumer debtors.… Continue Reading

Compliance Seminar Series Announcement

Compliance Seminar Series Announcement

We are delighted to announce Hiday & Ricke’s new legal and compliance seminar series. Our first session, which is focused on the needs and interests of consumer creditors, will be held on August 9th at the Marriott on Salisbury Road in Jacksonville. Anyone who works in or manages a collections department would greatly benefit from… Continue Reading

Reviewing Files Prior to Filing

Reviewing Files Prior to Filing

The CFPB (Consumer Financial Protection Bureau) recently filed its second action against a major collection law firm. Interestingly both of these complaints involved multistate ‘mega’ firms, and in both cases, the allegations assert that the firm’s attorneys were not properly involved in the collection practices. Continue Reading

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