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Frequently Asked Questions

How does my debt with Florida Legal Collections affect my credit report?

Florida Legal Collections does report delinquent accounts to the credit bureaus if your account is eligible to be reported per our internal account process and per federal and state laws. We also typically will make inquiries to credit bureaus to obtain location information and credit information regardless of whether your account is eligible for credit reporting. Sometimes these inquiries may show up on your credit report and may affect your credit score. We have listed the three major credit bureau web sites below for your convenience.


I just received a letter from Florida Legal Collections. What should I do?

Read the letter and make sure that you understand it. If you have any questions, you may call us toll-free at (833) 617-2348.

Our website provides additional options to contact us regarding your letter. Please visit our Contact Us page or use our Virtual Agent for more assistance.

I’ve never heard of Florida Legal Collections. Why are you contacting me?

We are a debt collection agency, and we are contacting you to collect an outstanding debt. Your debt did not originate with Florida Legal Collections P.A, but unless disputed, it is still a valid debt that requires your attention.

In some cases, your debt may be credit reported to the credit bureau reporting agencies. Visit our Consumer Portal for more information.  

How do I know who you are and where you’re located?

Association of Credit and Collection ProfessionalsWe’re a licensed collection agency in the state of Florida (License #CCA9904411)

We’re an active member of the ACA International


My account was included in a bankruptcy. What should I do?

If you filed for bankruptcy, and the debt in question was included in that bankruptcy, then you are NOT required to repay anything, but we need to be made aware of your bankruptcy filing. You may call us to inform us of your bankruptcy, or write us a brief note, or you may have your bankruptcy lawyer contact us with the information. In order to close out your account as a bankruptcy, we would like the following information if available:
1) The exact name(s) shown on the bankruptcy petition
2) The date of the filing
3) The chapter of the bankruptcy (i.e. ch. 7, or ch. 13)
4) The bankruptcy case number
5) The state and district the bankruptcy was filed in

I can not pay the entire bill in full. What are my options?

We accept partial payments and establish payment plans to help you pay off your balance. You may use our Virtual Agent  or contact us at (833) 617-2348 to speak with a representative.

How do I pay my debt to Florida Legal Collections?

You can make payment online using our website, by mailing in your payment or by paying over the telephone by calling us toll-free at (833) 617-2348. It’s up to you to choose whatever is easier. We accept the following forms of payment:

  • ACH Check (e-Check)
  • Credit/Debit Card
  • Money Order
  • Cashier’s Check

Payments can be setup for predetermined dates, and for set amounts based on your negotiated arrangement. For instance, it’s very simple to set up a monthly payment of $75 to be deducted from your checking account or to be charged to your credit card every month until your debt has been paid in full. If you should ever wish to cancel or change a payment date, all you have to do is call us at least 5 business days prior to your payment date and we will cancel or modify the payment for you.

Once I pay my debt to Florida Legal Collections, what happens?

Once you have paid your debt, we will send you a written confirmation and paid receipt. If your account was being reported to the credit bureaus, we will update your account as paid within 30 days.