Quote from urooj13058 on February 6, 2026, 8:36 am

Being contacted by a debt collection law firm like Marcadis Singer, P.A. can feel intimidating—especially if legal action is mentioned. While creditors have the right to pursue unpaid debts, consumers are protected by federal law from harassment, deception, and unfair collection practices.

Understanding who Marcadis Singer, P.A. is and what your legal rights are under the Fair Debt Collection Practices Act (FDCPA) can help you respond calmly and protect your financial future.

---

Who Is Marcadis Singer, P.A.?

Marcadis Singer, P.A. is a Florida-based law firm focused on debt collection and creditors’ rights. With more than 25 years of experience, the firm represents local, regional, and national businesses seeking to recover outstanding balances.

Contact Information

Address: 5104 S Westshore Blvd, Tampa, FL 33611
Phone: (888) 547-1881

(Always verify contact details independently before responding to any collection attempt.)

---

Services Provided by Marcadis Singer, P.A.

The firm offers several legal services related to debt recovery:

• Debt Collection: Using legal and procedural strategies to recover unpaid balances

• Creditors’ Rights Representation: Advising creditors throughout the recovery process

• Litigation: Filing lawsuits when necessary to enforce repayment under Florida law

Because litigation is possible, it is important for consumers not to ignore court notices or legal correspondence.

---

What to Do If Marcadis Singer, P.A. Contacts You

If you receive a call, letter, or lawsuit notice, take the following protective steps:

1. Verify the Debt

Request a written debt validation notice that includes:

• Amount of the debt

• Name of the original creditor

• Proof the collector has authority to collect

Collectors must provide this information under the FDCPA.

2. Review Your Financial Records

Compare the claimed debt with your own records to check for:

• Incorrect balances

• Duplicate accounts

• Debts you already paid

• Possible identity theft

3. Learn Your Legal Rights

Federal law limits how collectors can contact you and what they can say.
Knowing these rules prevents intimidation.

4. Consider Speaking With an Attorney

If the debt is disputed, inaccurate, or involves a lawsuit, legal guidance can be critical to protecting your rights and avoiding default judgments.

---

Your Legal Protections Under the FDCPA

The Fair Debt Collection Practices Act establishes strict rules for third-party collectors, including law firms.

Prohibited Conduct

Collectors cannot:

• Harass or threaten you

• Use false or misleading statements

• Misrepresent the amount owed

• Use unfair or deceptive tactics

Communication Limits

They must:

• Contact you only during legally allowed hours

• Stop contacting you after a written cease-communication request (with limited exceptions)

Debt Validation Requirement

Within five days of first contact, collectors must send written details about the debt and your dispute rights.

---

How to Respond to Possible FDCPA Violations

If you believe a collector—including Marcadis Singer, P.A.—has violated the law:

• Document everything: Save letters, voicemails, and call logs

• File complaints: Report violations to the Consumer Financial Protection Bureau (CFPB) or your state attorney general

• Seek legal help: You may be entitled to damages, attorney’s fees, and court costs if violations are proven

Taking action can stop harassment and protect your credit.

---

Final Thoughts

Marcadis Singer, P.A. plays an active role in debt collection litigation in Florida, but consumers are not powerless. Federal law provides strong protections against harassment, deception, and unfair practices.

By verifying debts, understanding your FDCPA rights, documenting communications, and seeking legal advice when needed, you can confidently navigate debt collection efforts and safeguard your financial well-being.