You owe some money, and a bunch of debt collectors know it. Your cell phone buzzes with annoying–and sometimes abrasive–callers, asking questions about your financial circumstances and suggesting that your credit history, wages, and job are at risk if you don’t pay them right now.
Florida judgments seem to be finding their way to my bankruptcy practice lately. As a result of a new law relating to mortgage foreclosure deficiencies, I am having to help more people who find themselves at the receiving end of the debt collection process. They are surprised to be getting sued, even though their foreclosure is long over. What they, and any person who is in financial distress, need to understand is that a Florida judgment is the most pernicious form of creditor action, for which there is no real cure other than bankruptcy.