VANCE, LOTANE & BOOKHARDT, P.A.
Florida & Georgia Debt Collection Attorneys

DEBTORS

If you are a debtor or you have received a demand letter or any other type of communication from VLB, this web page is for you.

Please note: this is a communication from a debt collector. Any information obtained from you through this Web site or by any other means can and will be used for collection purposes.

RESPONDING TO COLLECTION ATTEMPTS IS THE RIGHT THING TO DO

You are doing the right thing by taking steps to respond to our collection attempts on behalf of your creditor.  We encourage you to contact us to begin the process of entering into a voluntary payment plan appropriate to your circumstances.

If you wish to apply for payment arrangements without speaking to a representative, please click here for an online form where you can enter your information.

For your convenience VLB now offers secure online payments or recurring ACH/Credit Card Payments.  

Online Credit Card Payment* 
Online E-Check Payment*

A $5.00 convenience fee for online payment is applied per transaction.

WE UNDERSTAND YOUR PREDICAMENT

Both your creditors, insurance carriers and our Florida debt collection lawyers understand that in all probability, you did not intend to fall into delinquency.  You may have been the victim of circumstances: you lost your job; you were demoted; you were involved in an auto accident; you have suffered from unexpected medical expenses; you are going through a divorce or other family crisis; you are a hurricane victim; or you simply have not had enough income to meet your obligations.

CONTACT US TO MAKE VOLUNTARY PAYMENT PLAN AGREEMENTS

We encourage you to contact us, to make voluntary payment plan arrangements.  Your plan could reduce, stop, or prevent negative consequences of your nonpayment, including but not limited to the following:

• litigation and related legal fees
• required depositions and court appearances
• paycheck garnishment
• bank account garnishment
• other types of garnishment proceedings
• seizure of personal property

MAKE A REPAYMENT PLAN THAT WILL NOT LEAD TO DEFAULT

In the event that you default on the agreed-upon repayment plan, we may have to resume the litigation process.  Although we are experienced trial lawyers, we are as eager as your creditor is to help you avoid the stress, expense, and loss that could result from further collections litigation.

COME TO THE BARGAINING TABLE VOLUNTARILY FOR THE BEST OUTCOME

If you are ready to come to the table voluntarily or have any additional questions, contact us with the understanding that any information obtained from you through this web site or by any other means can and will be used for collection purposes.

• Telephone Contact: (800) 807-3334 or (321) 636-4861
  Press option 2 for the Collections Department
• Facsimile number: (321) 574-5902
• Mailing address for Payments:
  P.O. Box 236187
  Cocoa, FL 32923
• Mailing address for Correspondence:
  1980 Michigan Avenue
  Cocoa, FL 32922
• Payment options: You may pay by phone through a Recovery Specialist by your checking account, Visa, Discover, American Express or MasterCard.  Western Union or in-person payments are also available.  Please note that we DO NOT accept cash payments at any of our office locations.

Vance, Lotane & Bookhardt, P.A.
Florida Debt Collections & Subrogation Law Firm
1980 Michigan Avenue
Cocoa, FL 32922
321-636-4861 (Phone)
321-574-5902 (FAX)
1-866-605-1994 (Toll free)

Vance, Lotane & Bookhardt, P.A. in Cocoa, FL handles legal collections and auto subrogation throughout the entire state of Florida and Georgia. Additional offices in Southern Brevard County and Atlanta, Georgia.

MIAMI-DADE COUNTY - BROWARD COUNTY - PALM BEACH COUNTY - MARTIN COUNTY - ST. LUCIE COUNTY - INDIAN RIVER COUNTY -BREVARD COUNTY - VOLUSIA COUNTY - DUVAL COUNTY - FLAGLER COUNTY - POLK COUNTY - ORANGE COUNTY - OSCEOLA COUNTY - LAKE COUNTY - HILLSBOROUGH COUNTY - MARION COUNTY - ST. JOHNS COUNTY - MANATEE COUNTY - PASCO COUNTY - SEMINOLE COUNTY