FOR IMMEDIATE ASSISTANCE CALL REBBECCA GOODALL TODAY! (813)-438-3695
From harassing calls to false lawsuits, debt collectors often push past the limits of the law. At Rebbecca Goodall Law, P.A., we give Elfers and Pasco County families the legal strength to fight back and win.
Debt problems rarely arrive quietly. For families in Elfers and across Pasco County, it often starts with a single collection call. Soon, the phone rings constantly. Collectors may call your workplace, threaten lawsuits, or even pursue debts that aren’t yours. In many cases, the information they use is incomplete, inaccurate, or outright false—but that doesn’t stop them from trying to collect.
Credit reporting errors make matters worse, damaging your score, raising your interest rates, and limiting your financial opportunities. Meanwhile, lawsuits can appear without warning, with collectors hoping you’ll feel too overwhelmed or ashamed to fight back. They rely on fear, confusion, and silence to win by default.
We believe no one in should lose their paycheck, their home, or their peace of mind because of unlawful or abusive debt practices. Everyone deserves strong legal defense and a clear path forward.
At Rebbecca Goodall Law, P.A., we use every available tool under Florida and federal law to protect consumers from abusive and unfair debt practices. As your Legal Services Attorney in Elfers, FL, we fight back against harassment under the Fair Debt Collection Practices Act (FDCPA), challenge false reporting under the Fair Credit Reporting Act (FCRA), and take direct legal action when collectors cross the line.
Our services include everything from drafting cease-and-desist letters that stop harassing calls, to defending lawsuits filed by debt buyers who often can’t prove their claims. We negotiate fair settlements, protect wages from garnishment, dispute inaccurate credit reporting, and hold collectors and credit bureaus accountable when they break the law.
Our mission is simple: to stop harassment, defend your rights, and restore your financial stability. With local court experience in Pasco County and a practice dedicated to consumer defense, you never have to fight alone.
And we can do the same for you.
When debt collectors won’t stop calling, a powerful cease and desist letter can restore your peace immediately. We help Elfers residents draft and deliver legally binding notices that force collectors to stop contacting you under the Fair Debt Collection Practices Act (FDCPA). If they continue to harass you afterward, they’re breaking federal law—and we’ll hold them accountable. Our letters not only stop the calls but also set the stage for potential legal recovery.
Errors on your credit report can lower your score, block job opportunities, or raise your loan rates. As your legal services attorney in Elfers, FL, we challenge inaccurate entries under the Fair Credit Reporting Act (FCRA), ensuring your credit history truly reflects your financial record. We contact credit bureaus and creditors directly, demand correction or deletion of false accounts, and pursue damages when necessary. You deserve a clean slate—and we help you claim it.
It’s more common than most people realize—collectors chasing the wrong person. If you’re being pursued for a debt that isn’t yours, we step in fast to prove your innocence and stop all contact. We gather evidence, communicate directly with the collector, and file legal motions to clear your name. No one in Elfers should pay for someone else’s mistake. We make sure your financial reputation stays protected.
Many debt buyers rely on outdated, incomplete, or fabricated records to pressure people into paying. We challenge these claims head-on. Our team demands strict proof of ownership, the correct amount owed, and the right to collect. If a collector can’t verify every element, we push to have the claim dismissed. We defend Elfers residents from paying debts that aren’t valid—and we hold collectors accountable when they try to mislead or intimidate.
Collectors are legally forbidden from using threats, harassment, or repeated calls to force payment. Yet it happens every day. We help you fight back through the FDCPA, filing legal actions against agencies that cross the line. Whether they’re calling your employer, using abusive language, or contacting you after hours, we’ll stop the harassment and seek financial damages on your behalf.
Sometimes, the fastest way to peace is a fair payment plan. We negotiate directly with creditors and collectors to reduce balances, stop interest accumulation, and set up payment terms that work for your budget. Unlike debt settlement companies, we handle the legal side too—protecting your rights while improving your financial stability. For Elfers residents, this means a clear, manageable path forward without surrendering your dignity.
Even if a collector has already sued you, it’s not too late. We often settle cases for less than the claimed amount by exposing legal weaknesses or challenging improper filings. Our Elfers legal team works to reduce your financial burden, stop garnishments, and remove court judgments that could harm your credit long term. With our help, you can resolve lawsuits with dignity and move forward stronger.
If your phone won’t stop ringing from aggressive collectors, you don’t have to suffer in silence. We use cease-and-desist laws and direct legal intervention to shut down harassing calls immediately. Whether they’re violating call-time restrictions or contacting you after written notice, we ensure they’re held accountable. You have the right to peace in your own home—and we’ll make sure you get it.
When collectors break the law, they should pay you—not the other way around. We file FDCPA lawsuits on behalf of Elfers clients who’ve been harassed, threatened, or misled by collection agencies. You may be entitled to compensation of up to $1,000 per violation, plus legal fees. Our firm makes sure justice is served and that future collectors think twice before targeting you again.
If credit bureaus refuse to correct false or damaging information, we take them to court. Under the Fair Credit Reporting Act, they’re required to investigate disputes and ensure accurate reporting. When they don’t, you have the right to recover financial damages. We represent Elfers residents in lawsuits that not only fix credit errors but also restore reputations and unlock new financial opportunities.
We walk you through every step of the legal process in plain language. This means you always know where you stand and never feel lost in the dark.
Every case is built on a custom plan designed around your situation. You are not just another file number — you get a clear path forward that fits your life.
Your story matters and we take the time to understand it. That respect and care helps you feel heard and supported during one of the most stressful times of your life.
We fight aggressively to stop foreclosure and garnishments. This means you can focus on your family and future instead of living in constant fear of losing everything.
We know Pasco County judges and courts because we are part of this community. That local insight helps us protect you with real world knowledge not just legal theory.
We handle the legal burden so you can breathe again. Having someone fight for you gives back your time your confidence and your hope.
Schedule a free consultation where you share your situation and get immediate clarity on your options so you feel less overwhelmed.
We create a tailored legal strategy to stop harassment and protect your home and wages so you can finally breathe again.
We handle the legal work while you focus on your life so you regain peace of mind and control over your future.
Ms. Goodall helped me the 1st time against my mortgage company & this 2nd time. She uncovered a few transgressions by the mortgage company & was able to get me to a point where the mortgage company is paying off my loan $15k with some extra $$$ in my pocket. She was also able to secure me more $$$ from the credit bureaus for malfeasance. In total she has acquired over $20k for me.
She is the bomb! She did an amazing job for me vs the credit card companies and credit bureaus! You couldn’t ask for someone more passionate about what they do, and she communicates very well.
Rebbecca did a fantastic job dealing with my lawsuit for previous debt.
She definitely knows her stuff. I honestly would’ve been pretty screwed without her, so I definitely recommend her services without hesitation.
We appear regularly in Pasco County courts. This gives you the advantage of local knowledge and credibility, so your case is handled with insight others may miss.
We do not split our time across unrelated practice areas. Our entire focus is on consumer debt law, meaning you get sharper strategies and stronger protection where it matters most.
No two debt cases are the same. We create a legal plan built around your exact situation, so you know the defense is designed specifically for you.
We use the Fair Debt Collection Practices Act to fight harassment. This stops abusive calls and restores peace to your daily life.
We know how lenders cut corners. By challenging improper filings and errors, we help protect your home and buy valuable time for better solutions.
We work directly with creditors to settle or reduce debts. This allows you to find relief without carrying the long-term consequences of bankruptcy.
We explain everything in plain English. You stay informed and confident, never left guessing what comes next.
We live and work in the same neighborhoods we serve. This connection drives us to protect our community, not just practice law.
We fight unfair garnishments and judgments. This protects your paycheck and your bank account, giving you security and stability.
To get all this and more…
Debt collectors and credit agencies often rely on confusion to keep people compliant. They use official-sounding letters, scare tactics, and misinformation to make you believe you have no choice but to pay — even when they’ve broken the law themselves. But the truth is, you have far more legal protection than most collectors want you to realize.
What does that mean?
Collectors and credit agencies are counting on you not to know your rights. If you stay silent, they win by default. But once you assert your rights — and have a legal team ready to enforce them — the power shifts back where it belongs: with you.
You don’t have to let them win by default. One response can change everything.
If you can say yes to the following statements, then we can help you!
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