Local guides · Florida consumer rightsYour rights, where you live.
Sued over a debt, a wrong credit report, money stolen from your bank or payment app, or a landlord keeping your deposit? These guides explain what the law says and what to do next in your city. When a company broke the rules, get a free case review: the deadlines are short.
Local guides
Tampa
Sued for a debt in Tampa by a company you've never heard of?
Got a Tampa summons from Midland, Portfolio Recovery, LVNV, or another debt buyer? Learn your 20-day deadline and what they must prove. Free case review.
Read the guideDenied in Tampa over a debt that isn't even yours?
Denied a Tampa apartment or car loan over an account that isn't yours? See how mixed credit files happen, what the FCRA requires, and get a free case review.
Read the guideA fake bank fraud call emptied your Tampa account through Zelle. Your bank may still owe you.
A fake bank fraud call got your code and Zelle drained your Tampa account? See when federal law puts the loss on your bank, then get a free case review.
Read the guideYour Tampa landlord kept your deposit and never sent a notice
Tampa landlord kept your security deposit and never sent a notice? See Florida's 15-day and 30-day rules and get a free case review from a Tampa attorney.
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St. Petersburg
Medical debt lawsuit in St. Petersburg after Helene or Milton? Hospital bills play by different rules.
Hospital bills from Helene or Milton in collection, or court papers in St. Petersburg? Learn Florida's 3-year hospital debt limit. Free case review.
Read the guideRebuilding in St. Petersburg, and a credit report error is blocking the loan?
Rebuilding after Helene or Milton and a wrong late payment is stalling your St. Petersburg refinance? Learn your credit report rights. Free case review.
Read the guideYour debit card or phone was stolen in St. Petersburg, and the bank said no. A denial can be challenged.
Debit card or phone stolen in St. Petersburg and your bank denied the fraud claim? See what Regulation E requires, then get a free case review of the denial.
Read the guideYour St. Petersburg landlord is billing your deposit for storm damage
St. Petersburg landlord charging your security deposit for Helene or Milton storm repairs? Learn Florida's deposit rules and get a free case review today.
Read the guideLocal guides
Clearwater
Wage garnishment in Clearwater over a debt judgment you never knew about?
Paycheck garnished in Clearwater over a debt judgment you never knew about? Learn head of family protection and the 20-day exemption deadline. Free case review.
Read the guideIdentity theft accounts back on your Clearwater credit report after you disputed them?
Identity theft accounts keep coming back on your Clearwater credit report? Learn the block, the reinsertion rules, and your deadlines. Free case review.
Read the guideDebits you never set up drained your Clearwater checking account. Late isn't the same as too late.
Found automatic debits you never set up on a Clearwater checking account, months late? Learn what is still protected and request a free case review today.
Read the guideYour Clearwater deposit notice just says cleaning and repairs. The 15-day clock is running.
Clearwater deposit notice lists vague cleaning or repair charges? You have 15 days to object in writing. Get a free case review before you reply.
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Sarasota
Sued for a debt in Sarasota while living on Social Security? What you live on has protection.
Retired in Sarasota and sued for a debt, or your bank account frozen? Learn what the law protects, from Social Security to your home. Free case review.
Read the guideYour late spouse's debts on your Sarasota credit report? They may not be yours.
A late spouse's debts or a paid medical bill showing on your Sarasota credit report? Learn what Florida and federal law say, then get a free case review.
Read the guideHacked while you were away from Sarasota? Your bank can't make a police report the price of investigating.
Bank account taken over while you were away from Sarasota, and the bank wants a police report first? See what federal rules require. Free case review.
Read the guideYour Sarasota landlord mailed the deposit notice to an address you'd already left
Sarasota landlord kept your security deposit or mailed the notice to an address you'd left? Learn Florida's address rules and get a free case review.
Read the guideLocal guides
Orlando
Small claims debt lawsuit in Orlando? The pretrial conference isn't optional.
Got an Orlando small claims summons over a card, loan, or repossessed car? Learn why you must appear at the pretrial conference. Get a free case review today.
Read the guideDenied an Orlando apartment over an eviction that isn't yours?
Denied an Orlando apartment over an eviction or record that isn't yours? Tenant screening companies must follow the FCRA. Learn your rights. Free case review.
Read the guideYour Cash App or Venmo got hacked in Orlando, and the app said no. Federal rules may still protect you.
Cash App or Venmo hacked in Orlando and the app won't refund you? Learn how federal prepaid account rules can protect your balance and start a free case review.
Read the guideYour Orlando apartment kept your deposit for a page of move-out fees
Orlando apartment or UCF-area complex kept your deposit for cleaning, carpet, or turnover fees? Learn Florida's deposit rules and get a free case review.
Read the guideFree case review
Find out where you stand. You don't pay me unless you win.*
Tell me what happened and send what you have. You'll get a plain-English answer about whether the law gives you a claim and what the next step would be.
*Consumer protection claims: no attorney's fees or costs owed to me unless you recover. Debt defense is priced case by case. Confidential, no obligation.