Holiday Budget

Holidays can be hard on your good spending habits.   Generally, you do not want to max out your credit cards or open new lines of credit when you are trying to build credit (as for a home, auto, or student loan in the near future).  Minimize the h

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Cinderella’s Sad Story of Garnishment

Once upon a time, Cinderella had a money judgment entered against her.  She thought nothing of it at the time because she could no more pay her debt than go to the ball.  Then along came her Fairy Godmother and next thing you know, Cinderella had w

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Mediation Instead of Trial

Sometimes you just want to settle a conflict.  Even if it costs you more money, sometimes it may be worth it to you personally, professionally, emotionally, or with the right set of circumstances to have a matter settled.  A Mediation rather than a

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What To Do About Unwanted Calls

There could be many reasons you receive unwanted calls:  (1) Wrong Number (including for debt collection), (2) Debt, (3) Sales Calls, and (4) Donald Trump wants your vote.  While there is not much you can do about political campaigns and wrong numb

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Infamous Black Tuesday

Today is Thursday, but in 1929 the 29th of October fell on a did the Stock Market.  In more recent history, we have encountered the Great Recession.  While we continue the recovery, sometimes old credit card debt comes back to haunt, m

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Social Security Reminder

Your Social Security benefits were not meant to be used to pay off a credit card debt in Small Claims Court.  If you are living off Social Security, you may be able to claim those benefits as exempt from a debt collection judgment.  The key to that

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What If I Cannot Afford An Attorney?

There are many situations in which having legal counsel is beneficial; however, robbing Peter to pay your attorney...probably not a good idea, besides, you may not have to cover the legal fees yourself, depending on your financial circumstances. I

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Solutions to Unwanted Calls

There are ways to stop unwanted calls.  One is to pay your bills on time, another is to ask debt collectors to stop calling, and the third is to register on “Do Not Call” lists.  Here are details for these options. Option 1:  Pay Your Bills

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Courtroom Experience

The St. Johns County courtrooms are getting updated—huge TV sets are being installed.  With A/C, big TVs, and plenty of seating, the question is, which courtroom do you want for the Super Bowl? Not every person’s experience in court is as gra

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Retail Therapy & Your Credit Score

When living better through chemistry does not work, sometimes you need retail therapy. Last week I had a really rough day.  I turned into a crazy person.  I called my wife and she was at the Apple store.  Now I have an iPhone 6 and I am much be

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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