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FAQ’s

It depends. What are your terms for payment? Ordinarily, if payment is not made within your stated terms, then aggressive monitoring of the claim should begin. If the claim is greater than 60 days past due, you may have a serious problem on the horizon. Also, if a debtor breaks any promise to you, that’s a sure sign of trouble. Submit your claim immediately.

Submitting a claim has never been easier. Complete a short online forwarding form. Submit the claim via our website and you will receive an instant e-mail confirmation of its receipt by our office. You can upload all supporting documents when you submit your claim. Of course you can also submit your claim via fax or regular mail by downloading the claim forwarding form (in pdf format) from our website, completing it, and then submitting it to our office via mail or fax. Once all documentation is received, we will send you a formal written acknowledgment of our acceptance of your claim by mail.

There are several factors which influence the chances of recovery. These include the age of the account, the financial status of the debtor, whether or not you have the benefit of a personal guaranty or security interest, and your willingness to aggressively pursue the claim. While our firm has been successful in recovering claims that are several years old, typically the earlier a claim is placed with our office, the greater your chances of recovery. Also, the priority of your claim is usually determined by the date of your judgment. There is an old legal maxim: “First in time is first in right.” Protect your rights. Submit your claim today.

Sporadic payments are usually an attempt to stall or delay. If the debtor commits to a repayment schedule and then breaks it, you are starting down the road of broken promises.

Worthless checks are another huge warning sign. Make sure that you keep the original of the check unless the debtor is willing to pay the full balance including all statutory fees and costs. In Florida, you may sue to recover on a worthless check and statutory damages include treble damages (3 times the amount of the check) plus interest and attorneys fees. A $5000 check could potentially become a $20,000 judgment plus interest and attorneys fees.

It depends upon the type of claim that you have. All actions are limited by a specific Statute of Limitations ( In other words – how long you have to bring a lawsuit). In Florida, most actions for recovery of a debt have a 4 or 5 year limitation; however, you must be careful because certain actions (i.e. suit to foreclose a construction lien) must be brought within 1 year. Don’t allow your claim to become worthless by delaying action.

While the typical size of a claim varies based upon each industry, our firm routinely handles claims between $15,000 to $500,000. Nevertheless we still accept commercial claims as small as $500.

While we are successful in making numerous recoveries without the necessity of a lawsuit, some claims require formal legal action. Before suit is filed, you will receive a written report explaining the results of our initial investigation and our efforts to contact the debtor, the terms of any settlement proposal made by the debtor, and our recommendations. The costs and fees required to initiate a lawsuit will be submitted to you for your review and approval before proceeding with suit. No costs or fees will be incurred without your prior approval. For more information, see our terms and conditions. At that time, you will make the decision of whether you want to proceed with suit.

A judgment is a legal document (a written Order) entered by the Court determining the legal liability of the debtor for the debt. It allows you to proceed with various post-judgment remedies to collect the balance due, including requiring that the debtor furnish complete financial information, garnishment of bank accounts or levying on motor vehicles or other assets.

As a client, you will receive written or email confirmation of all payments received.

Still have questions? Contact us to discuss your claim. We’d be happy to answer any questions that you may have.

Which law firm is “the best” for you?

Like dessert or barbeque, every person has a preference! Is it Apple or Cherry Pie? Mustard or Tomato based BBQ sauce?  We can not tell you whether we are the best law firm for your needs. That is an important decision that only you can make. What we can do, is tell you a bit about our style and philosophy, and help you narrow your choice when you decide to select a law firm.

The Florida Bar also requires us to include this disclaimer on all websites, so it is something you have probably seen if you are doing some shopping for a law firm:

The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free, written information about our qualifications and experience.

Our mission is to provide our clients with the best legal counsel and representation possible.

We listen to our clients. We work daily to earn their trust as well as their business. We charge a fair fee for the experience and service we offer.

And although we always put truth and integrity before winning, we zealously represent our clients using the full measure of the law, even challenging that law when necessary.

So when you find your company in need of legal assistance, turn to the firm with a strong commitment to their clients and the law.

The philosophy of our firm is to protect your interests and defend your business against injustice. Our commitment is to fight for rights by assertively challenging those who wrong you whenever necessary. And most importantly, we strive to balance these actions carefully, as well as uphold the law with unequivocal integrity and honor

Your satisfaction is our top priority. We are here to listen to your needs and advocate your position.

Did you know that lawyers are routinely graded by their peers? Raymond Joseph has earned the coveted AV ratings, placing them at the highest level attainable. An ethical rating of V (very high) must be received before your legal ability is even eligible to be rated. Legal ability is then assigned a grade anywhere from A to C. The designation of AV rating is reserved for those deemed to have Very High to Preeminent legal ability in their field, as well as the highest ethical standards.

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AV® Peer Review Rating

An AV® certification mark is a significant rating accomplishment – a testament to the fact that a lawyer’s peers rank him or her at the highest level of professional excellence. A lawyer must be admitted to the bar for 10 years or more to receive an AV® rating.