Law Offices of Larry E. Bray, P.A.

Debt Collection

Debtor-Creditor Law & Collections

The Law Offices of Larry E. Bray, P.A. has established itself in Florida as a creditors' rights law firm with the ability to handle complex commercial debtor-creditor litigation, volume commercial litigation and volume consumer collection. Our technological capabilities and organizational structure allow us to offer comprehensive collection services to clients with all kinds of debt-related problems. Our collection department represents a variety of clients including:

• Banks
• Credit unions
• Small, mid-sized, and large businesses of all kinds
• The Commonwealth of Canada (student loan program)
• Some of the largest National collection agencies in the world
  (See Representative Clients Section of this Site)
• Major national attorney networks

Collection Practice Areas

Although we offer clients in Florida and throughout the country traditional debt collection services, one of our strengths is our ability to think outside the box and design solutions to meet the specific needs of individual clients. Our debtor-creditor and collection practice encompasses the following:

• Asset and person searches
• Collateral recovery
• Commercial collections
• Commercial transactions
• Complex commercial litigation
• Consumer collections
• Credit card collections
• Creditor rights litigation
• Demand letters
• Foreclosures
• Fraudulent conveyances
• Judgment enforcement, liens, and garnishment proceedings
• Liquidations
• Loan work-outs
• Piercing the corporate veil
• Pre-suit collections programs
• Student loans

Debt Recovery Proceedings

In every case, our collection attorneys take a practical approach to debtor-creditor law and collections, recognizing the cost and risk of protracted litigation along with the value of a speedy resolution of disputes. We stress the following in our collection practice:

• Technology - We are equipped with a cutting edge computer network and custom collection law software. This allows us to handle major volume while still allowing for the proper attention to each case. All collection matters are handled by highly trained paralegals prior to suit and then directly by our attorneys once the matter goes to litigation.  Of course, every phase of the process includes meaningful supervision and involvement by experienced collection attorneys.

• Efficiency - Because our philosophy is no-nonsense, we do not spend a great deal of time on phone calls and letters as would a collection agency. We assume that our clients have gone to great effort to collect their receivables and would not have sent the matter to us unless it required the pressure and expertise of a law firm. Our highly trained paralegals send one very strong demand letter and then skillfully make up to three telephone calls in an attempt to amicably resolve the dispute.

• Litigation Support - If any collection matter is not satisfactorily settled within fourteen days, it is forwarded immediately to our litigation department where it is sent out for suit. However, if the claim is a consumer matter, then Fair Debt Collection Practices Act (FDCPA) guidelines are adhered to. All of our personnel go through a rigorous training regimen and all are thoroughly familiar with the laws that govern each particular matter.

• Convenience - We maintain our main office in Central Palm Beach County, from which we cover the State of Florida.

• National Practice - Through our national attorney network, we handle debtor-creditor and collection claims all over the country. Electronic download and up-load is available for high-volume.

• Communication - We appreciate the need for timely and efficient responses, which is why we communicate with clients concisely throughout each stage of the collections process, including collections that turn into protracted litigation.

• Fees - Our fees, but not our expenses, respecting pure collection matters are generally contingent on recovery. However, some matters are far more complex and do not lend themselves to such a fee arrangement. In this case we discuss our fees openly with the client prior to commencing work. The Law Offices of Larry E. Bray, P.A., is known to be a firm that renders first-rate legal representation for a reasonable fee.

The Law Offices of Larry E. Bray P.A., represents clients throughout South Florida, including West Palm Beach, Palm Beach, Miami, Fort Lauderdale, Lake Worth, Boca Raton, Tampa, Sarasota, Tallahassee, Boynton Beach, Palm Beach Gardens, Wellington, the Gold Coast, the Treasure Coast, and the Tri-County Area of Miami-Dade County, Broward County, and Palm Beach County.