The Law Office of J.D. Cuzzolina, Esq.

Clients retain Cuzzolina to collect debt through the courts and sheriffs. Cuzzolina, and staff, file lawsuits and levy and garnish debtors. The Firm’s debt collection policy limits communications with debtors to one written demand to pay the entire balance of the account within 20 days prior to filing suit only (or such other notice requirements the client’s agreement calls for). Cuzzolina’s office makes no collections calls, reports no debts to credit reporting agencies, and does not engage in sending “series” collection letters to debtors. Cuzzolina’s policies and rules are intentionally designed to avoid the FDCPA, FCRA, CCRAA, and all of the other State and Federal credit and debt collector statutes.

Generally, these statutes involve communications between the creditor and the debtor. Cuzzolina’s policies restrict communications to court proceedings, which are protected by California litigation privilege statute, thus reducing the possibility of incurring liability under State and Federal Collection Statutes.