If Andreu, Palma, Lavin & Solis, PLLC has contacted you about a debt, you may be trying to determine whether the account is legitimate, whether a lawsuit is possible, and what options exist to resolve the matter. Because this firm operates as a creditor-rights and collection law firm throughout Florida, many consumers first hear from them after an account has already become seriously delinquent or has been referred for legal review.
At Consumer Rights Law Firm PLLC, our attorneys regularly speak with people who are dealing with collection law firms rather than traditional collection agencies. What makes these situations different is that litigation, judgment enforcement, and settlement discussions often occur within the same process. Understanding how this firm operates can help you make informed decisions before responding to collection demands or court documents.
Who Is Andreu, Palma, Lavin & Solis?
Andreu, Palma, Lavin & Solis, PLLC is a Florida-based law firm that represents banks, lenders, and other creditors in debt collection matters. The firm handles pre-litigation collections, settlement negotiations, lawsuits, judgment enforcement, wage garnishments, bank levies, and property liens throughout Florida.
| Category | Information |
|---|---|
| Firm Name | Andreu, Palma, Lavin & Solis, PLLC |
| Headquarters | 815 NW 57th Ave, Suite 401, Miami, FL 33126 |
| Additional Office | 887 Donald Ross Rd, Juno Beach, FL 33408 |
| Main Phone | (305) 631-0175 |
| Primary Business | Debt Collection and Creditors’ Rights Litigation |
| Service Area | Statewide Florida |
| Collection Process | Demand Letters, Negotiations, Lawsuits, Judgment Enforcement |
| Post-Judgment Services | Wage Garnishments, Bank Levies, Property Liens |
| Typical Clients | Banks, Financial Institutions, Commercial Creditors |
What Types of Debt Does Andreu, Palma, Lavin & Solis Collect?
Based on information published by the firm, they commonly pursue:
- Credit card debt
- Personal loans
- Auto loan deficiencies
- Commercial debt
- Breach of contract claims
- Other unpaid financial obligations assigned by creditors
The firm states that it attempts pre-litigation resolution before moving to lawsuits. However, when settlement efforts are unsuccessful, it may file civil actions seeking judgments on behalf of its clients. Once a judgment is entered, the firm’s collection efforts can expand to include wage garnishments, bank account levies, and property liens where permitted by law.
Why Is Andreu, Palma, Lavin & Solis Contacting Me?
In most situations, the firm is contacting consumers because a creditor has either assigned the account to them for collection or retained them to pursue legal recovery.
What stands out in cases involving this firm is its structured collection process. According to its published procedures, accounts move through a sequence that includes account review, collection attempts, potential lawsuit filing, litigation, judgment acquisition, and post-judgment enforcement.
In our experience, consumers often reach out after receiving correspondence that appears to come from a law office rather than a traditional debt collector. Many are unsure whether the matter is already in court or still in the negotiation stage. The answer often depends on where the account sits within the firm’s collection timeline.
Can Andreu, Palma Sue You?
Yes. The firm openly states that filing lawsuits is a core part of its collection process.
According to information published by the firm, accounts that cannot be resolved during pre-litigation negotiations may proceed to court at the creditor’s direction. The firm’s attorneys regularly appear in Florida courts seeking judgments on unpaid accounts.
In our experience, consumers often assume collection letters are merely requests for payment. When the communication comes from a collection law firm, however, litigation may be a more immediate possibility than many people realize.
What If Andreu, Palma, Lavin & Solis Files a Lawsuit Against You?
Do not ignore the lawsuit.
Missing a response deadline can result in a default judgment, which may give the creditor additional collection tools that were not previously available.
If you are served with court papers:
- Read every document carefully.
- Verify the creditor, balance, and account information.
- Review whether the amount claimed appears accurate.
- Gather payment records and account statements.
- Consider speaking with a consumer-rights attorney promptly.
Many consumers contact our office after discovering that a lawsuit had already been filed. The earlier you review your options, the more opportunities you generally have to negotiate, defend, or resolve the matter.
Payments, Settlement Options, and Account Resolution
The firm states that it engages in settlement discussions and repayment agreements throughout the collection process.
Depending on the circumstances, consumers may be able to:
- Negotiate a lump-sum settlement
- Request a monthly payment arrangement
- Resolve the account before litigation begins
- You may still negotiate a resolution after the firm files a lawsuit.
- You can discuss settlement options even after the court enters a judgment.
One issue we often hear from consumers involves wanting written confirmation of settlement terms before making payment. Maintaining copies of settlement agreements, payment confirmations, and correspondence can help prevent misunderstandings later.
If you are considering a payment arrangement, request documentation showing the agreed terms, payment schedule, and the amount required to satisfy the account.
Reported Consumer Complaint Patterns
Public consumer complaints do not establish wrongdoing, but they can reveal recurring issues that consumers report when dealing with this company.
Reviewing Better Business Bureau complaints and consumer discussions shows several recurring themes.
Communication Difficulties
Some consumers report challenges reaching supervisors or obtaining timely responses to questions regarding account balances, payment arrangements, or account status.
What we frequently notice in collection-law-firm matters is that consumers often want clarification about their account but struggle to determine which department is handling the file. Several public complaints involving this firm describe similar concerns.
Payment and Balance Disputes
Certain BBB complaints reportedly involve disagreements over account balances, payment credits, or continued collection activity after consumers believed the debt had been resolved.
A recurring concern mentioned by consumers involves wanting written confirmation that payments have been properly applied before making additional payments.
Concerns About Payment Arrangements
Consumer discussions online occasionally reference worries about automatic payment withdrawals and whether agreed payment plans will be honored exactly as discussed.
For example, one Reddit user described wanting to resolve a credit card debt through monthly payments but expressed concern after reading reviews alleging payment-processing problems. The individual was not disputing the debt itself but wanted additional assurance before authorizing recurring payments.
These complaints represent allegations and consumer experiences only. They do not establish that any violation occurred in a particular case.
These concerns commonly arise when debts have been transferred between creditors, collection agencies, or debt buyers. Consumers who do not recognize an account should request verification and review supporting documentation before agreeing to pay. To file a complaint regarding debt collection activity, consumers may visit the CFPB Online Complaint Portal or the FTC Report Fraud website.
Has Andreu, Palma, Lavin & Solis Been Sued?
Yes. Court records show that the firm has been named in consumer lawsuits involving alleged debt collection practices.
Harrison v. Andreu, Palma, Lavin & Solis
In this federal case, plaintiffs alleged that collection communications failed to clearly identify the creditor involved in the debt collection process. The lawsuit asserted claims under the Fair Debt Collection Practices Act.
As with many FDCPA cases, the allegations focused on the wording and content of collection notices rather than the existence of the underlying debt itself. The filing reflects claims made by consumers and should not be interpreted as proof that any violation occurred.
For consumers, cases like this highlight the importance of carefully reviewing collection letters and requesting clarification whenever account ownership or creditor identity is unclear.
What Legal Issues Do Consumers Commonly Raise About This Firm?
Rather than focusing on general debt collection laws, consumers contacting our office about this firm frequently ask questions related to specific protections.
Questions About Debt Verification – 15 U.S.C. § 1692g: Consumers sometimes question who owns the debt, how the firm calculated the balance, or whether records support the amount being claimed.
Questions About Collection Communications – 15 U.S.C. § 1692d: Some public complaints involve concerns regarding the manner or frequency of collection communications.
Questions About Alleged Misrepresentations – 15 U.S.C. § 1692e: Consumers occasionally dispute account balances, payment histories, or information contained in collection communications.
Questions About Payment Processing – 15 U.S.C. § 1692f: Some consumers have reported concerns about how the firm applied payments, administered settlement agreements, or continued collection efforts after consumers allegedly made payments.
Many consumers who contact our office are looking for answers about account balances, payment arrangements, lawsuit notices, or wage garnishment concerns. Taking prompt action, keeping records, and verifying important account information can help you protect your rights and avoid unnecessary surprises. Below are answers to some of the most common questions we receive about Andreu, Palma, Lavin & Solis.
FAQs
Can Andreu, Palma, Lavin & Solis garnish my wages in Florida?
Florida law generally requires a court judgment before wage garnishment can occur. The firm’s website specifically states that wage garnishment is one of its post-judgment collection remedies.
Why is Andreu, Palma law firm asking about my assets or employment information?
The firm uses asset and employment research as part of its collection and judgment-enforcement process. The firm may use this information to evaluate available collection options after it obtains a judgment.
Can I negotiate a settlement before Andreu, Palma, Lavin & Solis files a lawsuit?
Yes. The firm’s stated process encourages pre-litigation negotiations and settlement discussions before proceeding to court when resolution is possible.
What happens if I ignore a lawsuit filed by Andreu, Palma?
If you do not respond within the court deadline, the firm may seek a default judgment, which could lead to collection remedies such as garnishments, bank levies, or property liens where permitted by law.
Why does Andreu, Palma firm continue contacting me even after I requested a payment plan?
Some consumers have reported confusion regarding payment arrangements. Always request written confirmation of any settlement or payment agreement and keep records of all payments.
Can Andreu, Palma collect on an old credit card debt from several years ago?
Possibly. Whether a debt remains legally enforceable depends on factors such as the age of the account, payment history, and Florida’s applicable statute of limitations.
What should I do if the balance claimed by Andreu, Palma, Lavin & Solis seems incorrect?
You can request information supporting the balance. Under 15 U.S.C. § 1692g, consumers have the right to seek validation of certain debt collection claims after receiving the required notice.
Why do online complaints about Andreu, Palma firm often mention garnishments and payment issues?
Public BBB complaints and consumer discussions frequently reference concerns involving wage garnishments, account balances, payment processing, and communication difficulties, although individual experiences may vary.
Sued or Served by Andreu, Palma, Lavin & Solis?
Consumer Rights Law Firm PLLC has represented consumers against debt collectors since 2010, holds an A+ BBB rating, and recovers attorney fees under 15 U.S.C. § 1692k when FDCPA violations are established.
For a broader overview of debt collection law firms and your federal rights, visit our collection attorneys resource page. You can also search our complete list of collection agencies in the United States to identify other firms that may be contacting you.
