Primary Practice Areas

Debt Lawsuit Defense

Proven Debt Collection Defense Attorneys

Since 1994, the Heritage Law Group and its lead litigation attorney, M. Joseph Dickerson, have been dedicated to protecting and preserving the rights of those who are unable to defend themselves, including defending debt collection lawsuits filed by creditors, debt collectors and debt buyers. Our firm has successfully defended thousands of debt collection lawsuits filed against Florida residents for over 25 years.  As a litigator with over three decades of experience in complex business and civil litigation in state and federal courts, Mr. Dickerson knows how to get results. He has leveraged his extensive experience to represent individuals and families being sued by creditors, debt collectors and debt buyers throughout the state of Florida. If you are being sued by a creditor, debt collector, or debt buyer, don't try to go through it alone. A debt collection lawsuit will not go away and if you do not timely respond or fail to appear in court, you may allow the debt collector to "win by default" and the collector may likely get a Judgment against you.  Let us help!  Creditors have experienced legal counsel working on their behalf. You need an experienced attorney and advocate to “level the playing field” on your behalf- one that knows how to defend and defeat debt collection cases.  Our firm has not only defended debt collection lawsuits, our defense of these types of lawsuits have resulted in the dismissal of thousands of debt collection lawsuits filed against Floridians, eliminating millions of dollars of debt, with either no fees or costs to our clients, or, in certain types of cases, with no fees or costs from you, unless we win your case

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Violations of Consumer Protection Laws

Experienced Advocates to Protect Your Rights

Creditors will often take aggressive actions when attempting to collect on a debt. The attorneys at the Heritage Law Group not only defend individuals and families against debt collection lawsuits, we also specialize in protecting our clients from all types of unlawful debt collection practices that violate both state and federal consumer protection statutes, such as the federal Fair Debt Collection Practices Act (“FDCPA”) and the Florida Consumer Protection Practices Act (FCCPA). Such actions by debt collectors may include making repeated phone calls, sending numerous letters, sending false and deceptive information to you, filing a time-barred lawsuit, or unlawfully reporting negative information to credit bureaus.

Creditors are required to follow certain state and federal consumer protection laws enacted to protect consumers against unfair, deceptive, or abusive practices, including the Federal Fair Debt Collection Practices Act (FDCPA) and the Florida Consumer Protection Practices Act (FCCPA).  Congress, in enacting the FDCPA, found that, “There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors”, and that, “Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy”.  Additionally, creditors and debt collectors must also follow the credit reporting requirements found in the Fair Credit Reporting Act (FCRA), which includes due diligence when a dispute is submitted.  Creditors and debt collectors often violate the FCRA by validating inaccurate information that was disputed by the consumer. 

If a creditor or debt collector commits a violation of the FDCPA, FCCPA, or FCRA they can be held liable to the consumer for actual damages, attorneys' fees, and costs.  If you believe you have been a victim of creditor harassment, we may be able to help you by bringing an action against a debt collector for violations of state or federal consumer protection laws.

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We'll fight for you!

Whether defending a debt collection lawsuit or bringing an action against a debt collector for violations of state or federal consumer protection laws, we will fight for you!

At the Heritage Law Group, we focus our practice on defending debt collection lawsuits, and, when a debt collector has overstepped the boundaries of the consumer protection law, we will aggressively pursue your rights to hold them accountable for their actions.  We offer a free consultation and case evaluation, during which we will discuss possible defenses you may have to any debt collection lawsuits filed against you, and review the actions taken by the debt collector for any potential creditor harassment claims which may be available to you.

Contact us Today for Your Free Case Evaluation

(813) 655-1801

Toll Free: (877) 735-6084

Proven Debt Lawsuit Defense throughout the State of Florida

Do not hesitate another day to get relief from the burden of debt collection lawsuits and unlawful and abusive debt collection practices. Getting the legal help you need is right at your fingertips. Contact us today to schedule a free consultation. We will discuss your case, explain your options, and help you determine your next best steps. 

Attorneys are available to represent you in cases filed throughout the State of Florida.

Click here to schedule a free consultation by phone or in office or call us today @ (813) 655-1801