McCollum & Cloud, P.L.

Information for Companies and Individual looking to collect on a debt and how we can help.

McCollum & Cloud, P.L., Attorney's & Counselors At Law has in excess of 40 years of experience in collection law between the attorneys and staff in the collections department. Melanie Boulay has returned to our office after a 5 year hiatus working in the health care field from positions with Good Shepherd Hospice to Alzheimer�s and has served as the President of the American Cancer Society, Highlands County Interagency Council and Highlands Little Theatre, Inc. Melanie is the Supervisor of this department.

Our fee is a one-third contingency wherein we would keep one-third of any amounts collected and forward two-thirds to you. In the event you should choose to file suit, the court costs and service fees would be paid by you and we would request judgment against the debtor for the amount of the debt plus any costs incurred. Under certain circumstances we can collect attorney's fees in addition to the debt owned you. Initial suit costs which include the Court's filing fee and the sheriff's service fee range from $350.00 to $450.00 depending upon the county where suit is filed and the amount of the debt which determines in which Court the case is filed. We generally don't recommend suit on accounts less that $1,500.00. HOWEVER, the choice to file suit is left up to the client.

Our initial step in the collection process would be to send our 30-day demand letter (as required by Federal Law on consumer debt) informing the debtor that the account has been turned over to us for collection and requesting the debtor to either dispute the debt in writing or contact our office for payment arrangements. If there is no response to our initial demand letter, you can elect to have us send our additional letters to the debtor or we can consider the matter for suit. Prior to recommending suit, we would research the debtor to help us better determine the chance of recovery. We would send you a letter outlining our finding and our recommendations as to suit so that your time and money is not wasted.

Welcome to McCollum & Cloud, P.L., Attorney's & Counselors At Law, located in beautiful downtown Sebring, Florida. Our team of Lawyers have over 40 years experience in legal matters including Real Estate, Wills, Trusts and Estate Planning, Debt Collection, Corporations and Business Organizations. Mr. McCollum, Mrs. Cloud, and their staff provide services with professionalism, courtesy and the utmost respect for confidentiality, serving all of Highlands County and throughout the State of Florida.