Our Protective Services: Weapons for the Florida Consumer

Debt collectors count on one thing: That you don’t know the rules of the game. At Tibor Legal, we don’t just play the game—we change the rules. We use federal and state statutes to build a wall between you and the companies hounding you and entrust you with legal support that you need to cut down those that break the law.

1. Debt Collection Defense (The Shield)

Are you behind on your loans or credit card payments? Has your car or boat been repossessed? Are you getting calls from collectors? Are you worried about being sued by a bank, a credit card company, or a third-party debt buyer? Most people ignore these lawsuits because they feel defeated. That is exactly what the creditors want. When you hire us, we step up and go to battle for you.

The Strategy: It depends what kind of debt you owe, if you have a valid defense or justification, and what has happened in your past interactions with them. But as a starting point, we always demand proof. Often, these "zombie debt" buyers don't even have the paperwork to prove you owe them a dime.

The Goal: Dismissal of the case, a settlement for less than the amount owed, or some get the debt waived, the tradeline deleted, and secure you a lump sum payment to cover damages and attorneys fees where a violation is found.

The Law: We leverage Florida’s strict evidence requirements to make them prove their case—or go away.

2. Consumer Rights Enforcement & Class Litigation (The Spear)

Is a collector calling you at work? Threatening arrest? Using foul language? Did you ask them to stop but they won't? Under the Fair Debt Collection Practices Act (FDCPA), these aren't just "rude behaviors"—they are illegal. Did your doctor, landlord, or the hospital bill you for things that you didn't receive? You may be able to make them pay!

The Strategy: We turn the tables. Instead of you being the "debtor," the collector becomes the "defendant."

The Goal: We stop the harassment immediately. In many cases, the collector has to pay YOU for violating your rights.

The Law: We use Federal law to hold them accountable for every illegal call and letter.

3. FCRA Credit Report Correction

Is an error on your credit report dragging down your score and costing you money? Your credit report is your financial reputation. If a bank or credit bureau reports false information, they are damaging your life. Is there something wrong with your credit report and the credit reporting agencies have not fixed it? Under the Fair Credit Reporting Act (FCRA), you would be entitled to statutory damages and attorney's fees! Where you negatively impacted by the problem? You might be entitled to a 5- or 6-figure recovery!

The Strategy: We can help you force bureaus to investigate and remove inaccuracies and punish them when they fail to do so.

The Goal: A clean, accurate credit profile that reflects your true financial standing, and recovery for any lost wages, additional financing costs incurred, credit denials received, and stress related pain or suffering.

The Law: If they refuse to fix a verified error, we can sue the credit bureaus and the furnishers for damages.

How We Work: The "Informed Guardian" Process

The Tactical Analysis: We review your letters, lawsuits, or credit reports for free. We look for the "opportunities" and "cracks" in the creditor's case.

The Protective Barrier: Once retained, we notify the collectors. From that moment on, they have to talk to us, not you. The phone stops ringing or they're liable and we can make them pay.

The Resolution: We fight the case in court or negotiate from a position of strength. You stay informed at every step, but we carry the weight.