Your Sword & Shield
Vindex Privatus
Consumer Litigation & Wealth Protection
Strategic legal counter-measures against institutional overreach. We enforce your rights.
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Strategic legal counter-measures against institutional overreach. We enforce your rights.
Before founding Vindex Privatus, David Cruz spent eight years inside the institutions that consumers now face — defending insurance carriers, managing fraud investigations, and litigating coverage disputes at firms ranked among the nation's largest.
That experience exposed a fundamental asymmetry: the same institutions that deny your claims, misreport your data, and harass you over debts operate with sophisticated legal infrastructure designed to exhaust individual consumers into silence.
Vindex Privatus was built to correct that imbalance. With direct knowledge of how carriers evaluate risk, set litigation reserves, and decide when to settle, David now deploys that insider perspective on behalf of the people those systems were designed to outlast.
Select every statement that applies to your situation. Each may represent an actionable federal or state violation carrying statutory damages.
Every denied application, every unauthorized inquiry, every illegal call is a potential statutory violation carrying mandatory penalties and fee-shifting.
Inaccurate reporting, failure to investigate disputes, furnisher negligence — federal law mandates correction and provides the mechanism for enforcement.
File a claimNo application. No authorization. No permissible purpose. When lenders or lead generators pull your credit without consent, we pursue statutory and punitive damages.
File a claimHarassment, misrepresentation, false threats, unlawful communication tactics. Collectors who cross the line face statutory damages and cover your legal costs.
File a claimUnsolicited robocalls, automated texts, and Do Not Call violations carry $500–$1,500 per violation. AI-generated calls are included under current enforcement.
File a claimDenied a job, apartment, or insurance due to an inaccurate background report? Screening companies must follow strict FCRA procedures — and most don't.
File a claimWhen creditors and bureaus fail to remove fraudulent accounts after you've reported identity theft, federal law gives us the tools to compel correction and recover damages.
File a claimFlorida's own consumer protection statute provides enforcement mechanisms and damages beyond the federal floor. We leverage both jurisdictions simultaneously.
File a claimStrategic demand letters backed by case law and fee-shifting exposure often compel institutions to settle, delete, and correct — without the burden of litigation.
File a claimUnauthorized inquiries and reporting errors during mortgage underwriting threaten your rate lock and closing. We intervene to eliminate interference and hold violators accountable.
File a claimI spent years building the shields that protected institutions from claims like yours. Now I know exactly where those shields crack.
Most consumer attorneys attack from the outside. They file complaints, send letters, and hope for a response. We operate with insider knowledge of how institutions evaluate risk, set reserves, and decide when fighting costs more than settling.
That intelligence transforms every case into a calculated operation where the institution's own cost structure becomes the leverage point.
A clean credit profile is the gateway to asset acquisition. But assets attract lawsuits. We build the legal architecture that keeps what you've earned beyond the reach of future creditors.
Florida's homestead exemption is among the strongest in the nation — but only if filed correctly. We ensure your primary residence is fully shielded under Article X of the Florida Constitution.
Learn moreKeep your assets private and out of probate court. Our trust structures ensure seamless wealth transfer, minimize estate exposure, and protect your family's financial legacy.
Learn moreFor business owners and high-net-worth individuals who need advanced shielding. DAPTs create a legal firewall between your personal wealth and potential future judgments.
Learn moreFoundational documents that ensure your wishes are honored. Includes durable power of attorney, healthcare surrogates, and living wills — protecting your autonomy and your family.
Learn moreProper entity formation creates liability barriers between your business operations and personal assets. We structure entities to maximize protection under Florida law.
Learn moreKeep your real estate holdings private. Land trusts remove your name from public record, shielding property ownership from litigation searches and predatory targeting.
Learn moreA systematic four-phase enforcement protocol designed to identify statutory violations and convert them into outcomes.
We analyze your denial letter and credit reports for actionable federal and state violations.
Statutory enforcement actions filed against violating bureaus, furnishers, or collectors.
Arbitration demands and fee-shifting statutes create economic pressure that makes settlement rational.
Violations corrected. Statutory damages recovered. Your record restored to accuracy.
If you've been denied credit, harassed by collectors, bombarded by robocalls, or found errors on your credit report — there may be an actionable violation. Start here.
Communications through this form do not establish an attorney-client relationship. All submissions are reviewed for potential statutory violations. Confidential.