Our first step will be the mailing of a demand letter to the debtor. This will sometimes lead to a productive Contact, especially if the debtor has not been Contacted by an attorney in the past. If we are not able to reach a resolution after that, we will file a lawsuit on your behalf. The nature of the lawsuit will vary depending on the nature of the debt, but we will pursue all contractual, statutory, legal or equitable remedies that are available. In many cases, a debtor will fail to respond to a lawsuit, which allows us to “fast-forward” through the lawsuit, and seek a quick judgment from the court. A final judgment is the court-issued document that tells the debtor that they have to pay you, and determines the amount. It also opens the door to a broad range of collection remedies that are not available before a final judgment has been entered. If the debtor does respond, and does raise defenses, we will confer with you as to the defenses raised, and respond to them appropriately. The end goal of this process is also the entry of a final judgment from the court. Once we have a final judgment, we will record it in any County in which we find real property owned by the debtor, and we will send a copy to the State of Florida – the purpose of these acts is to create liens on the real and personal property of the debtor, in your favor.