Florida Collection Attorney – Credit and Collection Procedures

Florida Collection Attorney to Assist Collect Past Due Accounts

Our Florida collection attorney has been getting many calls from companies that are actively trying to recover bad debt.  Our collection lawyer hears time and time again that many of these companies seeking our Florida debt collection law firm’s assistance  is that there were not proper  internal credit and collection procedures in place at the company.  To minimize the chance that an account has to be placed with either a collection agency or commercial debt collection law firm, our Florida collection attorney has authored an e-book on how to help a company  set up better internal credit and collection procedures.

Collecting your money-Debt collection methods

Guide to Internal Debt Collection Procedures

Florida Collection Lawyer Explains Difference Between a Collection Agency and Debt Collection Law Firm

Despite setting up credit and collection procedures, there will be times when your company will have to refer a past due account to either a commercial collection agency or a Florida  debt collection law firm. Our collection attorney will be able to explain to you the differences between using collection agencies and a Florida collection lawyer to help your company recovery past due account receivable.  Collection agencies are useful when it comes to high volume placements of past due collection accounts. The collection agency can send a series of collection letters demanding payment and then make debt collection calls attempting the collection of money.

 A Collection Agency is  Not a Licensed  Florida Collection Attorney – We Are a Florida Collection Law Firm

Remember a collection agency is not licensed to practice law.  A Florida collection law firm also sends collection letters and makes collection calls demanding payment of the past due account. The Florida collection attorney then will be able to file a law suit to attempt recovery of the past due debt. A collection agency would have to refer the collection case to a collection lawyer and in turn charge your company a higher contingent fee upon collection of the money.

Call to Speak to Our Florida Collection Lawyer

Call our Florida Collection Law Firm and speak to our debt collection lawyer.  Our Florida collection attorney has three decades of experience in debt collection. Working with your company our collection attorney will devise a debt collection strategy for your company that is just right for your company’s debt recovery needs.

Palm Beach County Florida Debt Collection

Palm Beach County Debt Collection Attorneys – Lawyers

The Gebeloff Law Group is pleased to announce it has moved its collection attorney offices to new office facilities in Boca Raton, Palm Beach County Florida.  The Firm provides debt collection and recovery services for its clients throughout Florida. The collection attorneys are pleased to   move to the new Boca Raton office where they will continue to pursue the recovery of account receivable   for their debt collection clients who are looking  to collect on past due accounts.

Florida Debt Recovery  Law Firm

The Gebeloff Law Group is not a collection agency.   In past blog posts we have discussed the difference between a commercial collection agency and a law firm that concentrates its practice on debt collection. A collection agency is not licensed to practice debt collection law. Collection attorneys are licensed in the State of Florida to practice law. The collection lawyers focus on debt recovery and collection.  Just like a commercial collection agency our collection attorneys are able to send demand letters for payment of money due to your company.

Florida Collection Agencies - Florida Collection Agency

Florida Collection Attorney Gebeloff

Collecting money in the state of Florida requires a comprehensive debt collection strategy. The collection attorneys at our Florida debt collection law firm are available to custom tailor a debt recovery strategy after speaking to you about your company’s debt collection needs. Not every company wants to pursue the same type of debt collection method.  Our collection lawyers will listen to your company’s business    model and then make suggestions on how best not only to collect on current past due account receivable, but assist your company devise  a credit and collection strategy  to keep past due accounts becoming problematic and becoming a drain on your company’s cash flow.

Call Our Debt Collection Law Firm

Fell free to call the Florida collection attorneys at our debt recovery law firm to  discuss how together our debt collection team can devise a debt collection strategy that is just right for your company.

Collection Lawyer – Debt Recovery Law Firm

Collection Lawyers and Debt Collection Law Firms Can Help Your Company Recover Past Due Invoices

When your customer owes your company money for goods sold or services your company provided, it can place huge strain on your company’s cash flow. Our debt collection lawyer has authored a free e-book on collecting past due accounts.  Our debt collection lawyer has helped many companies improve their cash flow by implementing a better internal debt collection strategy.  If you call our debt collection law firm, our collection attorney would be happy to discuss a debt recovery strategy that is tailored to your company’s debt collection needs.

Collecting your money-Debt collection methods

Guide to Internal Debt Collection Procedures

When deciding to use a debt collection agency or debt collection law firm there are several factors to consider when trying to recover your company’s money. Collection agencies are not licensed to practice law. A collection agency if they are unable to collect the past due account, must then forward the claim to a debt collection law firm for a collection lawyer to proceed. A collection agency would then have to charge your company a higher contingent fee once they place the collection matter with a debt collection law firm.

Collection Agencies Are Limited – Collection Agencies Send Accounts To Debt Collection Lawyers

Collection lawyers are licensed to practice debt collection law. Collection attorneys can write debt collection letters on their legal stationary. Receiving a collection letter from a debt collection law firm has a bigger psychological impact on the debtor than receiving a collection letter from a commercial collection agency.  When your customer receives a legal letter demanding payment for past due debt, they know that your company is serious in pursuing collection of the past due account.  Our debt collection law firm can customize the debt recovery letter to maximize the effectiveness of the letter which will demand payment for the past due invoices. Your customer will know that our collection lawyer is ready to litigation, if necessary to help your company recovery money that is due.


Collection Attorney Pursues Fraudulent Transfers

Debt Collection Attorney Pursues Officers of Companies  for Fraudulent Transfers

Creditor fraud is more abundant with a tighter economy.  Many officers of companies believe they can simply close down one corporation and then open up another company without liability. Our debt collection law firm concentrates on litigating these types of cases. Our debt collection attorney will look to assert personal liability on the officer of the company, your customer and the newly formed company  by asserting  various fraud claims, including claims brought under the uniform fraudulent transfer act.

Collecting your money-Debt collection methods

Guide to Internal Debt Collection Procedures

Collecting  Past Due Invoices

Our debt collection law firm has represented all industries, including insurance companies seeking to recover insurance premium, staffing agencies, commercial lender, material suppliers, just to name a few.  No matter what industry your company is in, it is important to take early steps to help eliminate a greater account receivable.  Let our debt collection law firm put together a debt collection strategy to help your company collect more past due accounts from your customers. We are not a commercial debt collection agency. There is a vast difference between a collection agency and a debt collection law firm. Collection agencies can send debt collection letters and make phone calls to try and collect past due accounts, however, collection agencies are not licensed to practice law and would have to send the account to a collection attorney to attempt collection of the account receivable if the collection agency was unable to collect the debt.

Collection Agencies Cannot Practice  Debt Collection Law

We invite you to call our debt collection law firm and ask to speak to our collection attorney.  The collection attorney will review your case and discuss various scenarios that may come into play while attempting collection of your company’s past due account. Our collection attorney has also authored a book on how to set up internal debt collection procedures and practices.  We cannot promise we can collect all outstanding accounts, but we can put your company in a better position to collect the money that is due for services rendered or  goods sold and delivered.


Collection Attorney Marine Corps Marathon


Boca Raton, Florida collection attorney has pledged to run the 2016 Marine Corps Marathon in support of the Leukemia   and Lymphoma Society.   His debt collection law firm provides debt recovery and commercial collection services to   corporations, individuals   and collection agencies nationwide.  The Gebeloff Law Group is there to support a collection agency when their debt collectors   are unable to secure payment of past due debt.  Collection agencies are not licensed to practice debt collection law. They must send noncollectable account receivables to collection lawyers for litigation when their agency cannot collect the debt.


Collection lawyer Gebeloff has pledged to fund-raise to support the Leukemia and Lymphoma Society.

(Click Here to Sponsor Steve)

Collection Attorney

Collection Attorney Gebeloff

The debt collection law firm is fortunate that is has collection agency and other clients the firm provides commercial collection services for. These collection agencies and commercial clients have sponsored his efforts. Just like running a marathon collection of past due accounts requires careful planning.  Collecting on judgments in particular requires analyzing each fact pattern on a case by case basis.  The firm’s debt collection attorney will look for ways to impose personal liability on officers of the debtor company.


Collection attorney Gebeloff has recently authored an E-Book on collecting on past due accounts. The book is free and   will be a valuable tool for many companies that extend credit. The book helps set up internal credit and collection policies and procedures for companies as well as discusses collection agencies, commercial collection attorneys   and post judgment debt collection strategies.   Feel free to download a copy of the “Collecting Account Receivables” E-Book HERE.


Debt Collection Policies

Debt Collection Policies

Having debt collection policies in place will assist a debt collection attorney when you need to hire a debt collection law firm to collect your money

Keeping copies of your customer’s checks can be very helpful to 0ur debt collection law firm after judgment is obtained. Our collection attorneys will ask our clients after a judgment is obtained if they have any information to assist our debt collection law firm garnish or attach assets.   Sometimes a debtor is unaware that once a judgment is obtained a debt collection attorney can issue a writ of garnishment and serve the writ on a bank. Our  debt collection law firm has found that many times the debtor is using the same bank account and may have some or all of the funds in the account necessary to satisfy the judgment.

Collecting your money

Guide to Internal Collection Procedures

When setting up a credit and collection policy for your company your employees should be mindful that one day your customer may stop paying their invoices and your company may have to engage a collection attorney to help your company collect your money. Our debt collection law firm has been assisting companies   with their debt collection policies and procedure. Some companies have credit applications but, surprisingly a lot of our clients learn the hard way once one of their customers stops paying. Having a credit application helps our collection attorneys not only find post judgment assets but, gives our collection lawyers   a better chance of locating the principals of a debtor corporation in the event your customer closes its doors. Our debt collection law firm will also suggest adding an attorney fee provision to the credit application, if there is not already one in place. Without that provision, in some states, you will not be able to recover the fees paid to your collection attorney from your customer.


Our debt collection law firm uses all information available to it to determine if there is a possible successor company that may be liable for the debt. Our debt collection lawyers will also explore the possibility that there may be personal liability of an officer for transferring assets. We invite you to call our debt collection law firm to speak to one of debt collection attorneys about your credit and collection policies. Our collection lawyers will be happy to make suggestions to help tighten up the credit application so in the event it becomes necessary to start a lawsuit to recover your money, the chances for successfully recovering your company’s money will be increased


Collection Attorney-Marathon Man


To Benefit The Leukemia and Lymphoma Society

Collection Attorney, Stephen B. Gebeloff of The Gebeloff Law Group, a Commercial Debt Collection Law Firm will be joining Team in Training, Palm Beach Chapter to run the Chicago Marathon in October 2015 to benefit The Leukemia and Lymphoma Society.

When Gebeloff is not behind his desk at his  commercial debt collection law firm, he is spending many hours out on the road training.

Collection Attorney

Collection Attorney to Run Chicago


“Life is not all about being a debt collection attorney,” Gebeloff  explains. Besides collecting debts and collecting on judgments for his clients, Stephen Gebeloff  believes that it is important to give back to the community.  Gebeloff says “knowing I can personally help make a difference in the battle against cancer helps me run the many miles needed to prepare  for the marathon.”

This year too many close friends and family members have been diagnosed with Leukemia. “It changes the way you see life. I enjoy my debt collection practice but, seeing others struggle battling cancer makes you realize work is not everything. Your health is the greatest gift you can have” states Gebeloff.

Gebeloff has been a commercial debt collection lawyer, practicing debt collection law for most of his career. He finds running to find a cure very rewarding undertaking when he is not at work.  In his debt collection law practice he very rarely has a dull day at the office.  When  he is not collecting debts for his collection clients, he loves to lace up his sneakers and run with his teammates. Most  teammates from Team in Training become friends for life. “We all imagine a world without cancer,” Gebeloff affirms.


If you have further questions about  the Gebeloff Law Group and its collection law practice or want to speak to Steve about his running, call  him . Together, he will devise a debt collection or running strategy, that  is just right for you.

If you would like to Donate to The Leukemia and Lymphoma Society and support collection attorney Gebeloff’s marathon run, you may make a tax deductible contribution by clicking the link below.


Restrictive Endorsement



It is important for creditors to consult with a lawyer. Our collection law firm is frequently asked to answer the question can cashing a check with a restrictive endorsement “paid in full” mean that they have accepted the payment as full payment despite the fact there is still a balance due. This a complicated area and we urge our client’s to call our collection law firm and speak to our collection lawyer.
Any writing affixed on a check or words contained in some form of document, i.e., email, letter, that refers to an accompanying check is considered a “restrictive endorsement.” Creditors should be versed on the effects of “restrictive endorsements” as cashing a check with a restrictive endorsement could lead to the conclusion that the debtor has achieved an “accord and satisfaction,” payment in full. At our debt collection law firm, we receive many inquiries from our debt collection clients on whether or not to cash a check tendered by a debtor with a restrictive endorsement. Our collection attorneys always err on the side of caution and advise our debt collection clients not to cash the checks.

Restrictive Endorsements on Checks

Restrictive Endorsements on Checks

Our collection law firm also receives inquiries to our collection lawyers about situations where a check is sent to a lock box and cashed. Fortunately for our debt collection clients, all states, have adopted the recent revision of the Uniform Commercial Code, Article 3, Section 311 (UCC3-311), which is commonly referred to as “Safe Harbor.” The Safe Harbor principal is applicable to payments received in a system that is serviced by a third party (such as a bank lock box or a post office box). Typically, this is the creditor’s banking institution whose lock box is serviced by banking personnel lacking the knowledge and expertise to make an informed decision relative to restricted endorsements.
The Florida statute is found below but generally a creditor should look to state statute to find a similar Safe Harbor provision such as UCC 3-311. The UCC 3-311 specifies within 90 days of depositing restricted payment from a buyer, the seller can send one of their checks back to the buyer in the same amount of the restricted check and preserve the creditor/seller’s legal remedies. The creditor should make sure the “reimbursement” check should be sent back via some mode requiring proof of attempted delivery. Our collection clients should note the buyer/debtor need not cash the “reimbursement check;” as the creditor/seller’s right to proceed with litigation is preserved by the act of sending back the amount originally submitted under endorsement text or provisions.
Our collection lawyers also counsel our debt collection clients to make sure they put specific language in their contracts and or credit applications pertaining to where and to whom payment should be sent. This is important because the Uniform Commercial Code provides that if a credit grantor is made aware of a dispute prior to any type of final payment being made the creditor’s claim for an overdue balance is not discharged if within a reasonable time before tender the creditor stipulates that a restricted instrument (restricted check) must be sent to a designated person, office or place. If those instructions are not followed, then creditor remedies are available.

Florida Statute Section 673.3111 Accord and satisfaction by use of instrument, provides:
(1) If a person against whom a claim is asserted proves that that person in good faith tendered an instrument to the claimant as full satisfaction of the claim, that the amount of the claim was unliquidated or subject to a bona fide dispute, and that the claimant obtained payment of the instrument, the following subsections apply.
(2) Unless subsection (3) applies, the claim is discharged if the person against whom the claim is asserted proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of the claim.
(3) Subject to subsection (4), a claim is not discharged under subsection (2) if either paragraph (a) or paragraph (b) applies:
(a) The claimant, if an organization, proves that:
1. Within a reasonable time before the tender, the claimant sent a conspicuous statement to the person against whom the claim is asserted that communications concerning disputed debts, including an instrument tendered as full satisfaction of a debt, are to be sent to a designated person, office, or place; and
2. The instrument or accompanying communication was not received by that designated person, office, or place.
(b) The claimant, whether or not an organization, proves that, within 90 days after payment of the instrument, the claimant tendered repayment of the amount of the instrument to the person against whom the claim is asserted. This paragraph does not apply if the claimant is an organization that sent a statement complying with subparagraph (a) 1.
(4) A claim is discharged if the person against whom the claim is asserted proves that within a reasonable time before collection of the instrument was initiated, the claimant, or an agent of the claimant having direct responsibility with respect to the disputed obligation, knew that the instrument was tendered in full satisfaction of the claim.


Our debt collection clients  are often confused  on what they should do with a check with a restrictive endorsement  ” Paid in Full.” Please feel free to contact our debt collection lawyers at our debt recovery law firm. Our collection attorneys are always willing to discuss a collection strategy to help our client’s minimize risk and bad debt.