Lotane & Associates, P.A. is a Florida collection law firm that pursues medical debts, hospital liens, credit card balances and insurance subrogation claims for creditors throughout Florida. Most consumer contacts concern a Florida medical bill.
- Type
- Collection law firm
- Also known as
- Lotane & Associates, P.A.
- Collects
- medical bills, hospital liens, credit card balances, insurance subrogation claims
- Phone numbers it lists
- (866) 605-1994, (321) 636-4861
- Website
- lotane.com
17 debt collection complaints were sent to the Consumer Financial Protection Bureau about Lotane & Associates, P.A. 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 Lotane & Associates?
Lotane & Associates, P.A. describes itself as "a creditors' collection law firm serving companies throughout the state of Florida." Its website says its lawyers and staff "are dedicated solely to pursuing efficient recovery of bad debts" and cites nearly 47 years of legal collection experience. The site names attorney Troy Lotane and several other lawyers and lists a payment mailing address in Cocoa, Florida, on the Space Coast.
We did not find a CFPB enforcement action against Lotane & Associates.
Why Lotane & Associates May Be Contacting You
The firm's website groups its clients into medical collections, hospital liens, insurance subrogation, financial institutions, credit card collections and collection agencies. For an individual, that usually means one of three things:
- an unpaid bill from a Florida hospital, physician or other provider;
- a hospital lien against an injury settlement, if you were treated after an accident; or
- a credit card or bank balance, or a claim by an insurer that paid for damage it says you caused (subrogation).
Collection agencies are also listed as clients, so the account may have passed through an agency before reaching the firm.
How to Check a Debt Lotane & Associates Says You Owe
- Read the validation notice for the creditor's name, the itemization and the dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within that window and ask for the provider's itemized bill, the dates of service, and records of insurance or PIP payments.
- Confirm who holds the claim, whether it is the hospital, a card issuer, an insurer or an agency that referred it.
- For a subrogation claim, ask for the accident report and proof of what the insurer paid, and check whether your own insurer should handle it.
- Check the dates. In Texas, most debt suits must be filed within 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 limitation periods, and a tort-based subrogation claim may follow different rules.
What Lotane & Associates Can and Can't Do
A law firm that regularly collects consumer debts, including medical and credit card accounts, is a "debt collector" under the FDCPA (Heintz v. Jenkins, 514 U.S. 291 (1995)). Whether a subrogation claim for accident damages counts as a "debt" depends on the facts. For consumer accounts:
- It may not misrepresent the amount of a medical bill or whether insurance should have paid it (15 U.S.C. § 1692e(2)).
- It must stop collecting a disputed debt until it provides verification (15 U.S.C. § 1692g(b)).
- It may not threaten a lawsuit the client has not authorized (15 U.S.C. § 1692e(5)).
- Its texts and emails must offer a simple way to opt out (12 C.F.R. § 1006.6(e)); see our Regulation F note.
See collection law firms and the FDCPA, or contact our Texas FDCPA attorneys.
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 Lotane & Associates 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
- Lotane & Associates: home page
- Lotane & Associates: contact page
- CFPB enforcement actions list
- CFPB Consumer Complaint Database: Lotane & Associates, P.A., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Lotane & Associates has violated any law. Company details change; tell us if something here is out of date.