Debt Collector Decorum

The Debt Collector Cotillion does not include calling consumers late at night, or causing their phones to ring continuously or repeatedly.  A good debt collector knows how to inspire you to pay within the law.  A bad collector strays into unfair de

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Exempt Incomes from Money Judgments

Money can’t buy happiness, but it sure makes misery easier to live with.  That is the idea behind Social Security, disability, pensions, and income that provides more than one-half the support for dependant or minor children—those are exempt inc

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Steps to Better Credit

Are you receiving calls from creditors and collection agencies?  Working overtime to try to keep up with your bills?  Using your savings to cover daily expenses?  These can be signs of bad credit.  While bad credit is a problem—it makes getting

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Christmas Garnishment

Christmas is pretty predictable—garnishment is less so.  There is no good time to have money taken out of your bank account without notice ahead of time; however, the Christmas shopping season may be the lesser of non-ideal timing.  Purchasing pr

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New Lease on Life – Legal Aid

What do you do if you are disabled, elderly, living on a fixed income, and your landlord locks you out of your apartment?  Contact Legal Aid. St. Johns County Legal Aid “Provides a wealth of justice for those who have neither.”  It is a lot of

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What Is Good in 20 Years?

You can get a 20-year warranty on a mattress, roof shingles, and vinyl flooring.  You know what else is still good in 20 years?  That debt judgment against you. So you got sued in Small Claims Court.  If you had nothing for a creditor or debt ser

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No Defense? No Problem

Debt collectors are standing by to take up to 25% of your paycheck.  Did you have trouble paying your credit card bill?  Maybe you did not notice the Small Claims Court suit filed against you (or you did not know what to do about it)?  No problem.

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Payback is Heck with Consumer Debt

Being in debt is bad.  Having up to 25% of your wages garnished, or having your bank account swept clean without advance notice can be a life-affirming experience...not in a good way. In Florida, debt collectors can take up to 25% of your net pay f

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Debt-Buyer Business Model

Buying delinquent consumer accounts has bloomed into an industry unto itself with its own business model, which thrives on certain practices, such as the following: * Purchase thousands of delinquent accounts for pennies on the dollar.  This gives

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What’s In Your Wallet?

Whether it is your paycheck or bank account, debt-buyers are standing by.  While garnishment used to be the purview of child support, it has begun to share the spotlight with debt-buyers, and in Florida, they can take up to 25% of your net income, o

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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.

  • Zachery Lucas Keller Attorney

    Zachery Lucas Keller graduated from Florida Coastal School of Law in June 2013 and was admitted to the Florida Bar on April 16, 2014. Zachery's Florida Bar link is here.

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