Pollack & Rosen: Who They Are and Your Rights

Type

Collection law firm

Also known as

Pollack & Rosen, P.A.

Website

pollackrosen.com

94 debt collection complaints were sent to the Consumer Financial Protection Bureau about Pollack & Rosen, 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 Pollack & Rosen?

Pollack & Rosen, P.A. is a Florida law firm that presents itself as offering "Trusted Legal Solutions for Debt Collection." A February 2025 press release published by the Receivables Management Association International (RMAI), datelined Coral Gables, Florida, described the firm as focused on legal collections, creditor representation and debt recovery strategy for financial institutions, businesses and creditors. Joseph Rosen is identified in that release as the firm's managing shareholder.

The same release announced that the firm, through an affiliate called Gateway Portfolio Services, LLC, had acquired AACANet, a national network of collection agencies and attorneys. The firm said the deal gave it a presence in more than 30 states. The release said existing AACANet clients would continue to be served without interruption.

Why Pollack & Rosen May Be Contacting You

A collection law firm is hired after a creditor decides an account needs more than ordinary collection calls. The firm's public materials describe its clients only in general terms, so the letter or court papers are the place to find out who you are dealing with. Look for two names: the creditor that originally extended credit and the current owner, if the account has been sold. When the firm files suit, the plaintiff named in the petition is the party claiming the money. If you live outside Florida, ask the firm which office or attorney is handling your account and in which state it is licensed to act.

How to Check a Debt Pollack & Rosen Says You Owe

With a law firm, you may have two clocks running: the 30-day validation period and, if you have been served, the court's answer deadline.

• Court deadline first. A dispute letter does not extend the time to answer a lawsuit. In Texas, start with what to do first if you are sued for a debt.
• Validation notice. The firm's first letter should identify the creditor, itemize the balance from a set date and give your dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Written dispute. Ask for the signed agreement or account-opening records, the final statements, and, if the plaintiff bought the debt, the bill of sale and the account-level record tying your account to that sale.
• Compare the numbers. Check the principal against your last statement and see whether interest or attorney's fees were added that the contract does not allow.
• Limitations. Texas generally gives a creditor four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states use different periods.

What Pollack & Rosen Can and Can't Do

Attorneys who regularly collect consumer debts, including through litigation, are debt collectors under the FDCPA (Heintz v. Jenkins, 514 U.S. 291 (1995)). See our Q&A on whether a collection law firm is also a debt collector. In practice:

• A letter on law-firm letterhead cannot suggest an attorney has reviewed your file if no attorney meaningfully has.
• Any consumer suit must be filed where you live or where you signed the contract (15 U.S.C. § 1692i).
• The firm cannot threaten a lawsuit its client has not authorized or does not intend to file.
• It must follow Regulation F's call-frequency limits (12 C.F.R. § 1006.14(b)(2)) and honor a written request to stop communicating, except to tell you about a specific action such as a lawsuit.

We did not find a CFPB enforcement action against Pollack & Rosen. Our Texas FDCPA attorneys page explains how we review collection-firm conduct.

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 Pollack & Rosen 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

• Pollack & Rosen: home page
• RMAI: Pollack & Rosen expands nationwide debt recovery capabilities with acquisition of AACANet (Feb. 2025)
• CFPB enforcement actions list
• CFPB Consumer Complaint Database: Pollack & Rosen, P.A., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Pollack & Rosen has violated any law. Company details change; tell us if something here is out of date.