Legal Support For Debt Collection And Creditors’ Rights

The law firm of Winter Spires & Associates, P.A., assists creditors when legal measures become necessary to collect on debts. Our attorney is experienced in various methods for recovering money or collateral, getting positive results without resorting to unethical tactics.

Based in Destin, Florida, we handle debt recovery in Fort Walton Beach, Okaloosa County and throughout the Emerald Coast. We represent businesses, professional practices, banks, credit unions, mortgage companies, private lenders and third-party collection agencies. Call today to schedule a time.

Okaloosa County Creditors’ Rights Lawyer

Winter Spires is an experienced business law attorney who understands lending laws, consumer protections and other relevant factors in pursuing commercial and consumer debts. She escalates tactics as necessary to recover the debt in the most timely and cost-effective manner:

  • Demand letters and phone calls
  • Prelitigation settlements
  • Suing on collections to obtain a judgment
  • Wage garnishment and bank levies
  • Repossession and foreclosure
  • Asset seizure and liquidation

We handle collections on customer contracts, business-to-business debts, mortgage arrears, promissory notes, investment agreements and other forms of debt. We will freeze bank accounts and seize personal property as a last resort, but our first approach is to try to amicably settle the debt. We are also careful to comply with the Fair Debt Collection Practices Act (FDCPA) to avoid civil fines or public backlash for creditor harassment.

Don’t Get Frustrated. Get Results.

If your debtor is unresponsive or countersuing, Winter Spires & Associates can intervene. Call us today at 850-502-2241 or contact us online to arrange a consultation.

Practice Areas

Florida Family Law

Real Estate &



Debt &

How Can We Help You?