Law Offices of Melissa Ferris

Melissa Ferris became a lawyer in 1999, and in 2002 started her practice as a consumer debt collector. She belongs to The Florida Creditors Bar Association, as well as being a member of

NARCA, or the National Association of Retail Credit Attorneys. Essentially the Law Offices of Melissa Ferris are debt collectors and must follow all the practices and standards of collecting debt.


NARCA is an association built by legal collection lawyers to help aid other legal collection lawyers, though they to have classes set up for debtors to help find patterns for why debtors get into debt. Legal collections is also a misleading term, is simply means collections attempted by a lawyer, mostly ending in a law suit.


The Law Offices of Melissa Ferris specialize in mostly retail debt and consumer debt. They work on a contingency payment basis, meaning they only get paid if they win. They are centered in Orlando, Florida, and can legally practice throughout all of Florida.


There are a couple of differences between legal collections and traditional collections. Most of the time legal collections are done on contingency basis. This means that law offices such as the Law Offices of Melissa Ferris usually only get paid if they win. Another difference is that usually legal collections are more aggressive, and more effective, as most people don't understand what their rights are, or do not even bother showing up to the summons.


It turns out most of these kinds of cases can be easily defensible,despite there aggressive stance. There is a statute of limitations on debts, and if they are resorting to legal collections it means that the debtor is nearing the end of the statute of when debt can be reasonably and legally collected. This aids debtors in their defense if the debtor has shown any actions to indicate payments attempted, or if the debtor “falls off the grid”.


As many debts come to the end of there statute of limitations, collectors and businesses will usually employ legal collections on the debtor, they are usually aggressive and usually try to use courts to compel payment, however most cases are easily defensible and easy to fight given the debtor wants to, especially if that debtor has shown attempts to pay off the debt. The best way to counter this measure is to hire a lawyer, most lawyers can use legal powers to stop the harassment of legal collections attorneys.