The hiring of an attorney is an important decision and should not be based solely upon advertisement.
Mr. Guttmann has represented creditors since
1988.

Cases that Mr. Guttmann will consider are
instances where the debtor resides in a zip code
starting with the numbers 325--.  Unfortunately,
anything outside of that area usually will not be
acceptable. As for his rates,  Mr. Guttmann has
accepted cases on a contingency fee, as well as
on an hourly basis, depending on what is agreed
upon.  A typical case procedure is as follows:  
Mr. Guttmann prepares a demand letter to the
debtor, a telephone call is made to the debtor (if
number is known), and then Mr. Guttmann
delivers his recommendations to the client.  Mr.
Guttmann also will domesticate foreign
judgments and proceed with collection efforts on
same.  A few questions that have been asked
with regard to collections are as follows:


*  
What is a lien?  A lien is obtained by filing
suit against a debtor and obtaining a document
called a judgment and recording a certified copy
of that judgment with the public records in the
county wherein the debtor resides.  Please note
that the recording of the judgment itself does not
create a lien on the real property; it has to be the
certified copy of the judgment that is recorded in
order for a lien to go into effect.  A lien is good
on that piece of real property for a period of 10
years, at which time, if the certified copy of the
judgment is not re-recorded, it will expire.  In
order to keep the lien in effect on the debtor's
property, the original certified copy of the
judgment that was obtained 10 years prior needs
to be re-recorded, at which time it will be valid
for another 10 years.  A lien is only good for a
period of up to 20 years.   In many cases, before
a debtor can sell or refinance a property that has
a lien on it, he/she must first pay off that lien to
clear the title on the property.  Hence, if that is
done during the 10 year time period and/or after
the re-recording of the certified copy of the
judgment, then the creditor has a chance that
he/she will eventually get paid the amount owed,
plus the statutory interest that has accrued since
the date of the judgment.
Phone:  (850) 432-9759                               
Fax:  (850) 497-7096                                    Stephen M. Guttmann * 314 South Baylen Street Suite 203 * Pensacola, Florida*32502
e-mail:  GuttmannSteve@aol.com
Click below for map to our office.