We make them pay.
Credit bureaus, debt collectors, and companies that ignore federal consumer protection statutes face serious consequences. We specialize in FCRA, FDCPA, TCPA, and FCCPA violations—and the law requires them to pay your attorney's fees.
Inaccurate, unverified, or outdated information on your credit report damaging your score and financial opportunities.
Credit bureaus and creditors pulling your report without proper permissible purpose, violating FCRA's access restrictions.
Illegal calls, threats, false statements, and abusive collection tactics that violate the Fair Debt Collection Practices Act.
Illegal autodialed calls, prerecorded messages, and text messages sent without prior express consent under the TCPA.
Inaccurate or unverified background information used in employment, housing, or financial decisions.
Credit bureaus failing to remove fraudulent accounts and disputed charges tied to identity theft.
State-level debt collection violations and unfair collection practices under Florida's Consumer Collection Practices Act.
Demand letters, settlement negotiations, and strategic communication before filing suit—often resolving cases faster.
Securing credit corrections and damages when credit report errors affect mortgage qualification or interest rates.
Landlords illegally withholding or failing to return security deposits. Flat Fee $500 — EN / ES / 中文
If a debt collector sues you, we defend and file counterclaims for FDCPA violations. Flat Fee $300–$500
Defending against unlawful evictions and securing damages for landlord violations of Florida's residential tenancy law.
I know exactly how the other side thinks — because I used to be on that side. Now I use that knowledge to protect my clients.
David Cruz spent years in defense work representing financial institutions and debt collectors. He understands their playbook: how they manipulate loopholes, how they hide violations, and how they calculate risk versus settlement value. That experience became the foundation of The Sword division. Now, every case we handle is informed by intimate knowledge of how the other side operates. We know what they will argue before they argue it. We know the weaknesses in their position. We file cases designed to be impossible for them to defend. That's the advantage you get when your attorney has been on both sides of the courtroom.
FCRA, FDCPA, TCPA. Federal law requires violators to pay your attorney's fees.
Debt defense, counterclaims, and other fixed-cost services.
Every case starts with a detailed case evaluation at no cost.
Credit bureau failed to correct inaccurate tradelines after written dispute. Multiple negative accounts removed.
Settlement secured within 90 days of demand letter.
Debt collector continued collection calls after cease-and-desist letter, including at work and to family members.
Case resolved after filing complaint.
Credit card company sent unauthorized autodialed calls and texts to client's mobile phone without prior express consent.
Demand letter triggered immediate settlement.
Client's credit report contained accounts belonging to a different person (mixed file). Furnisher negligently reported.
Settlement secured with credit bureau and furnisher.
Credit inquiry pulled without permissible purpose. No application pending; pure FCRA §1681b violation.
Negotiated settlement within 60 days.
Landlord failed to return security deposit after move-out or provide itemized deductions under Florida law.
Flat-fee case resolved in small claims court.
Disclaimer: These case results are illustrations of work performed by our firm. Past results do not guarantee future outcomes. Case results depend on the facts and legal issues presented. No claim is made that David Cruz or Vindex Privatus can obtain similar results for other clients. Every case is unique. This page does not constitute a guarantee of settlement value, fee award, or judgment amount.
Credit report errors, debt collector harassment, robocalls, and more. We fight for your rights under federal and state consumer protection laws.
Thank you. Our team will review your case and respond within 24 hours. If your matter is urgent, call us directly.