Frequently Asked Questions

Kligler Law represents creditors only. Our clients include credit unions, banks, and small businesses. We do not represent debtors.

It depends on the matter. Debt recovery work is often handled on a contingency or hybrid basis, while litigation and bankruptcy matters are typically hourly or flat fee. We'll discuss the right structure for your situation at the initial consultation.

Bring the underlying contracts or account agreements, account statements or ledgers showing the balance owed, any correspondence with the debtor, and copies of any prior judgments. The more documentation you have, the faster we can evaluate your options.

It depends on the path the matter takes. Many files resolve within months of demand or filing. Contested litigation and judgment enforcement can take longer.

Yes. Consumer debt recovery is conducted in strict compliance with the Fair Debt Collection Practices Act (FDCPA) and the Florida Consumer Collection Practices Act (FCCPA), so your recovery isn't undermined by counterclaims or regulatory exposure.

Statewide in Florida, in both state and federal courts, including the Northern, Middle, and Southern Districts of Florida.

In most cases, no. We handle filings, hearings, and negotiations on your behalf. If your testimony is ever needed, we'll prepare you well in advance.

Yes. A judgment is only the midpoint. We enforce through bank account garnishment, judgment liens, and post-judgment discovery to locate assets, while navigating Florida exemptions such as head-of-household protection.

We represent creditors in bankruptcy court: filing proofs of claim, objecting to discharge where appropriate, pursuing adversary proceedings, and seeking relief from the automatic stay so you can continue your recovery efforts.

Often, yes. Out-of-state judgments can be domesticated in Florida under the Uniform Enforcement of Foreign Judgments Act and then enforced against the debtor’s Florida assets.

Yes. A flat-fee demand letter on firm letterhead resolves many matters without the cost of a lawsuit, and it puts the debtor on formal notice while preserving your options.

We evaluate your documentation, send a demand, file suit if the debtor doesn’t pay, obtain a judgment, and then enforce it through garnishment or liens. You approve each step before we take it, so there are never surprises.

Yes. Your matter is managed personally by Josh, not passed off to junior associates or paralegals. Many of our clients are credit unions and businesses we have served for years, and we pride ourselves on being reachable whenever you need us.

Yes. When the sale of a repossessed vehicle, boat, or other collateral leaves a deficiency balance, we pursue it through demand and, when appropriate, litigation. We review the repossession and sale paperwork up front, because mistakes at that stage can undermine the deficiency claim later.

Yes. When a borrower will not surrender a vehicle or equipment voluntarily and self-help repossession is not an option, we file replevin actions to recover the property through the court. These cases move quickly when the paperwork is in order, so early involvement helps.

You receive status reports on a monthly or quarterly schedule, whichever fits your operation, plus updates whenever something meaningful happens. You can reach us directly by phone or email any time in between.

Yes. We welcome portfolio work from financial institutions and businesses, whether it is a handful of files or a steady stream. Every matter gets senior-level attention with monthly or quarterly status reporting, so nothing gets lost in the shuffle.