Legal Counsel For Florida Debtors


Dealing with creditors and collection agencies is always frustrating. It gets worse when they become abusive or threatening. And still worse when they initiate legal action to take your money or assets by force.

The law firm of Winter Spires & Associates, P.A., can intervene if you are subjected to creditor harassment or if you are being wrongly sued for a disputed debt. We can also represent you in legal proceedings such as garnishment, repossession or home foreclosure.

Call us today to take the first step toward resolving your debtor problems. We provide counsel for individual debtors and small businesses in Destin, Fort Walton Beach, South Walton and surrounding communities of Florida’s Emerald Coast.

Stop Creditor Harassment And Lawsuits

The federal Fair Debt Collection Practices Act (FDCPA) draws a clear line for creditors and bill collectors regarding collection tactics, including how and when they can contact you. You do not have to put up with illegal harassment. Attorney Winter Spires will take aggressive action against creditors who violate your rights. You may be entitled to monetary damages or other relief, including a halt to legal action or direct contact.

If a creditor does take you to court, we can challenge the amount you owe or the basis for the judgment. We have experience defending all types of collection actions, including:

  • Mortgage foreclosure
  • Mechanic’s liens by construction companies
  • Vehicle repossession
  • Garnishment of wages
  • Levies against bank accounts and tax returns
  • Actions against co-signers

We work to hold creditors accountable for errors or unfair practices, such as lost payments, double billing, misrepresentations to co-signers, or false reports to credit reporting agencies.

Help Is Available

If you’ve been a victim of illegal debt collection practices or simply want someone to negotiate on your behalf, call 850-502-2241 today or contact us online. Our lawyers can put abusive creditors in their place and help you strategize solutions.

Practice Areas

Florida Family Law

Real Estate &



Debt &

How Can We Help You?