Not Going Anywhere for 20 Years?

The standard operating procedure in credit card debt is not to be sued by your credit card company, but instead by a third-party debt-buyer.  Most consumers arrive at Small Claims Court and the Judge says:  “Do you admit or deny the claim?”  T

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Garnishment is Better Than Debtors’ Prison

Garnishment is better than debtors’ prison because it gives the debtor a chance to repay their bills instead of relying on their family to buy them out of hock...but it is still not great.  With garnishment, money just disappears from your paychec

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Social Security & Small Claims Court

August 15, 1953 President Franklin D. Roosevelt signed the Social Security Act into law, providing financial assistance for the elderly, the blind, the disabled, and the unemployed.  This year the Social Security Administration projects that over 59

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Do’s & Don’t's of Fair Debt Collection

Debt collection is big business in America, employing about 140,000 workers who recover roughly $50 billion each year, according to the Federal Reserve.  The debt collectors’ cotillion has an etiquette of DO’s and DON’T’s that separates the

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Your Credit and You

There are a lot of credit repair services “as seen on TV,” but if you can talk, text, and chew gum, you can fix your credit score on your own.  Some of the basics include pay your bills on time, pay down outstanding balances, stay away from new

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Dealing with Debt Collectors

Jacksonville was recently named as a southern city with a disproportionate number of people in debt collections.  Debt is bad enough, dealing with debt collectors can be even worse.  You can stop the debt collector calls and letters, though, while

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Tips to Avoid Debt

Weird Al Yankovic has a new album, and was releasing one song a day to promote it.  Weird Al is a vegan.  Makes you wonder where does he get all that energy without eating meat?  It is like that mysterious debt that piles up out of nowhere. From

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Statement of Accounts in Small Claims?

Statement of Accounts was made for merchants.  If you and I do business, then at the end of the month we get together and reconcile our accounts—the who-owes-who of commerce.  However suing on Statement of Accounts happens in Small Claims Court n

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The Way Garnishment Works

The way garnishment works is first they take your money, THEN they tell you they have taken it.  You wake up one day and whatever you owe them, that money got disappeared.  Later when you receive that notice of garnishment, they also send you a for

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Sample Letter for ID Theft Recovery

Sometimes representation is a good thing...sometimes it is Identity Theft.  If someone has been representing you in a bad way (using your credit cards without your permission or knowledge), here are some links for letters you can complete for yourse

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About Rusty Law, LLC

A majority of our practice focuses on Foreclosure Defense, Consumer Debt Defense, Bankruptcy (Chapters 7, 11, and 13), Real Estate Transactions, General Real Estate Litigation, Probate and Estate Planning and Criminal Matters.

Contact Information

2493 US Highway 1 South
St. Augustine, FL 32086
Phone: (904) 829-6600
Fax: (888) 395-5034

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Our Team

  • J. Russell Collins Managing Attorney

    J. Russell "Rusty" Collins graduated Cum Laude from Florida Coastal School of Law in December 2007 and was admitted to the Florida Bar on September 27, 2008. Rusty's Florida Bar link is here. Previous to practicing law, Rusty worked in the family title insurance business starting at age 16 in 1979.

  • Attorney

Practice Areas

  • Real Estate
  • Title Insurance & Title Claims
  • Foreclosure Prosecution
  • Foreclosure Defense
  • Bankruptcy, Chapters 7, 11, and 13
  • Consumer Debt Defense
  • Estate Planning and Probate Administration
  • General Civil Litigation
  • Criminal Defense
  • DUI Defense