Consuegra & Duffy, PLLC is a Tampa, Florida creditors' rights law firm. Founded in 1986 as the Law Offices of Daniel C. Consuegra, it collects consumer debts and real estate and auto deficiency balances for creditors throughout Florida.
- Type
- Collection law firm
- Also known as
- Consuegra & Duffy, P.L.L.C.; Consuegra & Duffy, PLLC; Law Offices of Daniel C. Consuegra, P.L.
- Headquarters
- Tampa, FL
- Collects
- foreclosure deficiencies, auto deficiencies, consumer accounts for businesses
- Phone numbers it lists
- (866) 798-9110, (813) 915-8660
- Website
- consuegralaw.com
18 debt collection complaints were sent to the Consumer Financial Protection Bureau about Consuegra & Duffy, P.L.L.C. 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 Consuegra & Duffy?
Consuegra & Duffy, PLLC is a Florida law firm that represents creditors. Its business page says it was founded in 1986 as the Law Offices of Daniel C. Consuegra, P.L., and that Amanda Duffy joined as a partner in 2017, when the firm took its current name. Ms. Duffy is listed as managing partner and chief compliance officer. The firm's mailing address is PO Box 172069, Tampa, FL 33672.
Its consumer website lists a toll-free number, (866) 798-9110, a local number, (813) 915-8660, weekday hours of 8 a.m. to 5 p.m., and an online payment portal run by a third party. It also links to forms for requesting validation and opting out of email. We did not find a CFPB enforcement action against Consuegra & Duffy.
Why Consuegra & Duffy May Be Contacting You
The firm lists six practice areas: collections and pre-suit recovery; deficiency recovery after real estate foreclosures and auto repossessions; wage and bank garnishment to enforce judgments; commercial litigation, including suits on notes, foreclosures and evictions; bankruptcy representation for creditors; and defense of creditors who are sued. It says it serves creditors throughout Florida.
So a letter from Consuegra & Duffy often concerns a balance a lender says is left after your home was sold at foreclosure or your car was repossessed and sold, or a debt a business has referred for collection or suit in a Florida court. If you already have a judgment against you, the letter may relate to enforcement.
How to Check a Debt Consuegra & Duffy Says You Owe
- Read the validation notice for the creditor's name and the itemized balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). The firm's site has a validation-request link, but a dated letter you keep a copy of is the safest way to dispute within the validation period.
- For a deficiency, demand the sale numbers. Ask for the foreclosure or repossession sale price, the date, the fees and costs deducted, and how the deficiency was calculated. See car deficiency suits.
- Ask whether a judgment already exists, and get the case number. Look up the court file yourself.
- Confirm who owns the debt now; foreclosure deficiencies are sometimes sold.
- Check the limitation period. If you are sued in Texas, the general rule is four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Florida has its own periods, including special rules for mortgage deficiencies.
What Consuegra & Duffy Can and Can't Do
A law firm that regularly collects consumer debts, including through lawsuits, is a "debt collector" under the FDCPA (Heintz v. Jenkins, 514 U.S. 291 (1995)). See can the collection law firm also be a debt collector?
- It must sue on a consumer debt where you live or signed the contract (15 U.S.C. § 1692i).
- It cannot misstate the amount of a deficiency or add unauthorized charges (15 U.S.C. §§ 1692e(2), 1692f(1)).
- Wage garnishment depends on state law and requires a judgment. Florida allows it in some cases; Texas does not allow wage garnishment for ordinary consumer debts.
- Under Reg F it may not call you more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
If the firm's conduct seemed improper, see our Texas FDCPA attorneys page.
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 Consuegra & Duffy 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
- Consuegra & Duffy: consumer home page
- Consuegra & Duffy: Business services
- CFPB enforcement actions list (checked pages 1-17)
- CFPB Consumer Complaint Database: Consuegra & Duffy, P.L.L.C., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Consuegra & Duffy has violated any law. Company details change; tell us if something here is out of date.