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Qui sommes nous
Nous sommes un cabinet d'avocats multijuridictionnel spécialisé dans les droits des créanciers, les litiges civils et les litiges contractuels.
Andreau Palma is a Florida-based, multi-jurisdictional law firm representing financial institutions and commercial lenders in civil litigation, creditor rights, debt collection, and judgment enforcement.
Operating under the legal name Andreu, Palma, Lavin & Solis PLLC, we manage complex, contract-driven matters across multiple jurisdictions with a strong focus on compliance and efficiency.
We work with banks, lenders, and Financial Technology companies to resolve unpaid financial obligations involving credit cards, personal loans, business lending, auto deficiencies, and insurance-related claims.
From early demand through litigation and post-judgment enforcement, our team provides consistent legal oversight while maintaining clear communication and professional engagement throughout the process.
Our Practice Areas
As a creditor law firm, we focus on litigation and recovery across a broad range of financial products.
Our experience allows us to manage cases from initial demand through post-judgment enforcement.
Credit Cards
We have extensive experience litigating and collecting on defaulted credit card accounts from major issuers across the United States. When possible, we encourage voluntary repayment arrangements before litigation proceeds.
Personal Loans
We regularly handle defaulted personal loans on behalf of our clients, pursuing repayment through negotiated resolution or court action when necessary.
Auto Deficiency and Replevin
Since 2003, we have litigated defaulted auto loans, including replevin actions, auto levies, and deficiency balance claims following repossession.
Business Loans and Lines of Credit
We represent commercial lenders seeking recovery of defaulted business loans and lines of credit from businesses and guarantors.
FinTech and Non-Bank Lending
We work with leading Financial Technology companies, managing the legal complexities associated with non-bank lending across multiple jurisdictions.
Breach of Contract Litigation
We routinely litigate breach of contract claims involving banks, financial institutions, landlords, and commercial entities.
Subrogation Litigation
We also pursue unpaid liability claims arising from insurance matters, representing insurers in subrogated and tort-feasor claims.
Judgment Execution and Post-Judgment Remedies
Once a judgment is obtained, we apply a structured enforcement strategy designed to identify lawful recovery opportunities. The process may include reviewing assets, employment information, banking relationships, vehicles, and real estate.
Available post-judgment remedies may involve wage garnishments, bank garnishments, asset levies, and property liens, all pursued in accordance with applicable laws and exemptions.
A Florida Legal Team Built on Compliance
Compliance is central to how we operate. We maintain a dedicated compliance team that oversees policies, procedures, and regulatory requirements across jurisdictions.
Our compliance-first approach supports consistent, lawful communication while reducing risk for both our clients and the individuals involved in the process.
What It Means If You Are Contacted by Andreau Palma
Receiving a call or letter from our office does not automatically mean a lawsuit has been filed. In many cases, outreach is intended to open communication and explore resolution options before litigation.
We encourage individuals to engage in open dialogue with us. Understanding the circumstances behind a default often allows for more productive conversations and realistic outcomes.
While our creditor clients make final decisions regarding settlements or repayment terms, we work to facilitate outcomes that are workable for all parties whenever possible.
Our Legal Process
Step 1: File Review
We review each account for accuracy, enforceability, and completeness.
Step 2: Demand and Contact
Once validated, we initiate demand and attempt contact while encouraging pre-litigation resolution.
Step 3: Filing of Lawsuit
If resolution is not reached and authorized by our client, we may file a lawsuit and serve the responsible parties.
Step 4: Litigation and Court Proceedings
We attend hearings, file motions, and continue working toward resolution throughout litigation.
Step 5: Judgment
We seek judgment for remaining balances, costs, and applicable fees when appropriate.
Step 6: Judgment Execution
After judgment, we analyze available assets and pursue lawful enforcement options.
Contact Andreu Palma Law Firm Today
We view debt collection as a legal process that benefits from transparency, communication, and realistic expectations. Our goal is to protect our clients’ legal interests while engaging respectfully with individuals facing financial challenges.
If you have questions or would like to discuss your situation, we encourage you to reach out. Productive conversations often lead to clearer options and more efficient resolutions.
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