Andreu, Palma, Lavin & Solis, PLLC is a Miami law firm focused on debt collection, contract litigation and judgment enforcement for lenders and other creditors. Its letters or lawsuits usually concern credit cards, personal or fintech loans, or a balance left after an auto repossession.
- Type
- Collection law firm
- Also known as
- Andreu, Palma, Lavin & Solis, PLLC; Andreu, Palma & Andreu, PL; Law Offices of Andreu, Palma & Andreu, P.L.
- Headquarters
- Miami, FL
- Collects
- credit cards, personal and fintech loans, auto deficiency balances, business loans, insurance subrogation claims
- Phone numbers it lists
- (877) 631-0174
- Website
- andreupalma.com
89 debt collection complaints were sent to the Consumer Financial Protection Bureau about Andreu, Palma & Andreu, PL from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Andreu, Palma, Lavin & Solis?
Andreu, Palma, Lavin & Solis, PLLC is a Miami law firm that describes its practice as civil litigation, breach-of-contract claims, debt collection and judgment enforcement. The CFPB complaint database lists it under an earlier name, Andreu, Palma & Andreu, PL. The firm's website names Juan G. Andreu and Jorge L. Palma as founding partners, Desiree Lavin and Yulexy Solis as managing partners, and an office at 815 NW 57th Avenue, Suite 401, Miami. It says the firm is licensed to practice law in Florida, Georgia, Louisiana and New Jersey, and its footer states that the firm "is considered a debt collector." Its consumer line is (877) 631-0174, and the site notes that Spanish is spoken.
Why Andreu, Palma, Lavin & Solis May Be Contacting You
The firm's practice pages list credit card accounts, personal loans, fintech loans, auto deficiency balances, business loans and lines of credit, and insurance subrogation claims. It says it has litigated auto loan deficiencies since 2003. Its clients are described as banks, financial institutions, insurers, fintech companies, landlords and commercial lenders. A letter from the firm is often a pre-suit demand; a court summons means a creditor has authorized a lawsuit. If the claim is for money owed after a car was repossessed and sold, our Q&A on car deficiency suits after repossession explains how those balances are calculated.
How to Check a Debt Andreu, Palma, Lavin & Solis Says You Owe
- If you were served, deal with the deadline now. Florida, Georgia and Texas courts each set their own answer deadlines, and none of them waits for a dispute letter.
- Read the validation notice closely. It should name the creditor, show how the balance was built from an itemization date, and give your dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- For an auto deficiency, ask for the notice of sale, the sale price, and the itemized repossession, storage and auction costs that were subtracted. A low auction price or unexplained fees can change the balance.
- For a card or online loan, ask for the agreement, the last periodic statements and the charge-off balance, and confirm whether the lender or a later buyer now owns the account.
- Limitations. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states set different periods.
What Andreu, Palma, Lavin & Solis Can and Can't Do
Under Heintz v. Jenkins, 514 U.S. 291 (1995), lawyers who regularly collect consumer debts, including by suing, are debt collectors subject to the FDCPA. That means:
- It must sue a consumer in the county where the consumer lives or signed the contract (15 U.S.C. § 1692i).
- It cannot claim interest, fees or costs the contract or law does not allow (15 U.S.C. § 1692f(1)).
- It cannot imply attorney review that did not happen, or threaten action that is not intended.
- It must respect Regulation F's limit of about seven call attempts in seven days per debt (12 C.F.R. § 1006.14(b)(2)).
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Andreu, Palma, Lavin & Solis or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Andreu, Palma, Lavin & Solis: home page
- Andreu, Palma, Lavin & Solis: Who we are
- CFPB enforcement actions list
- CFPB Consumer Complaint Database: Andreu, Palma & Andreu, PL, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Andreu, Palma, Lavin & Solis has violated any law. Company details change; tell us if something here is out of date.