Practice Areas
- FDCPA Violations
- Debt Collection Defense
- Condo & HOA Liens
- Mechanic's Liens
- Class Action Lawsuits
- Arbitration Awards
- ATM Violations
- TCPA Violations
- Text Messages
- Junk Faxes
- FACTA Violations
- Wage & Bank Garnishment
Defending debt collection lawsuits and suing abusive debt collectors under the FDCPA
Practice Areas
In addition to both defending debt collection lawsuits (credit card debt, junk debt, auto deficiency claims, old utility and cellular telephone bills, etc.) and prosecuting claims under the FDCPA, Attorney Scott D. Owens also practices in several other areas of consumer law, including the following:
Eviction Defense
In many cases, Attorney Owens can assist tenants in recovering their security deposits from unscrupulous landlords. Additionally, he is able to fight eviction cases when landlords do not follow the law. Even if you have failed to pay the rent, the landlord must follow certain procedures prior to beginning the eviction process against you. If the landlord fails to follow even one requirement under the law, Attorney Owens is often able to defend tenants from being evicted from their homes.
Mechanic's Lien (Construction Lien) Foreclosures
Similar to Florida's eviction statute, the mechanic's lien statute is nuanced with many technical requirements. Attorney Owens is well-versed in this area of the law and has defended many Florida consumers who were threatened with foreclosure by disreputable contractors and home improvement companies. In Florida, a contractor can foreclose on your home for failing to pay a bill as little as $100.00 dollars - even if you are simply disputing the quality of the craftsmanship or an excessive bill. If this is happening to you (or a contractor is threatening to foreclose on your home), please give Attorney Owens a call.
Mortgage Foreclosures
Sometimes in life we come across situations that cause us to lose our jobs, suffer from serious health emergencies, or live with unmanageable expenses that lead to being unable to pay for the mortgage on time. And many times unable to pay a mortgage for several months. It is crucial that if you are facing these challenges that you get serious help from a foreclosure attorney, such as Attorney Owens, and stop the foreclosure process as soon as possible. Regardless of how behind you are with your mortgage, the debt situation can still be hopeful and recoverable from foreclosure.
Banks vs. Consumers (Guess Who Wins)
The business of resolving credit-card disputes is booming. But critics say the dominant firm favors creditors that are trying to collect from unsophisticated debtors
Dateline NBC Exposes the Sleazy Debt-Collection Industry
In some splendid investigative reporting, Hansen shows just how brazen third-party debt collectors can be. In one case, a collector threw a string of insults at a consumer. In another, a collector indicated that an alleged debtor was going to be thrown in jail.
Credit card companies can be as slippery as a handful of greased Jell-O. They have all kinds of tricks to gouge your wallet and drive up your bill. While arguably unfair, all these tricks are legal, leaving you no alternative but to stay as informed as possible to protect yourself.
Aggravated Cardholder Turns The Tables
This is the story of one man who, in some small way, is fighting back. It's the story of a man who, driven by the sarcasm of another, decided take on the system.