Lawyer of Firm Description

About Law Offices of Noam J. Cohen — Debt Collection Miami, Florida

The Law Offices of Noam J. Cohen, P.A. handles debt collection Miami creditors and individuals turn to when outstanding balances need recovery. Attorney Noam Cohen focuses specifically on personal debt collection and commercial collection matters throughout Florida, representing both creditors seeking payment and consumers disputing questionable collection practices. For additional local options, the Miami attorney directory covers related practice areas. Because Florida has its own Consumer Collection Practices Act (FCCPA) layered on top of the federal FDCPA, Miami attorneys must know both statutes well.

The firm serves Miami-Dade County and the broader South Florida market from its practice base. In addition, Cohen handles judgment enforcement, garnishment proceedings, and creditor rights litigation in state and federal court. His 25+ years of collection practice give creditors an experienced advocate while helping consumers identify abusive tactics.

What Clients Say

Reviewers describe Cohen as direct and effective — an attorney who moves matters forward rather than delaying. Creditors appreciate his willingness to pursue skip-traced debtors and judgment enforcement. Consumer clients value his knowledge of FDCPA and FCCPA defenses when facing aggressive collection actions.

Debt Collection Miami — Practice Areas & Services

Personal debt collection — recovery of loans, judgments, and unpaid obligations for individual creditors.
Commercial collection — B2B receivables recovery for Florida businesses of all sizes.
Judgment enforcement — garnishment, liens, and asset location in Miami-Dade County.
FDCPA and FCCPA defense — representation for consumers facing abusive collection tactics.
Creditor rights litigation — breach of contract and promissory note enforcement in Florida courts.

Frequently Asked Questions

How long does a debt collection Miami case take?

Uncontested debt collection actions typically conclude within 60 to 120 days after filing. Contested matters with discovery and trial can extend 6 to 12 months or longer. Post-judgment enforcement — garnishment and asset recovery — adds additional time depending on debtor cooperation.

What protections do Florida consumers have against debt collectors?

Florida’s Consumer Collection Practices Act adds state-level protections on top of the federal FDCPA. Collectors cannot harass, threaten, or contact consumers at unreasonable times. Violations can result in actual damages plus $1,000 in statutory damages per violation.

Can creditors garnish wages in Florida?

Florida provides strong wage garnishment protections for heads of household earning under $750 weekly. Non-head-of-household debtors can face garnishment up to 25% of disposable income. Bank account garnishment is also available but subject to statutory exemptions.

Quick Facts: Debt Collection in Miami, Florida

Florida complaint volume: Over 16,000 debt collection complaints were filed with the CFPB from Florida consumers last year — Consumer Financial Protection Bureau
State statute: Florida’s Consumer Collection Practices Act (FCCPA) applies to all creditors, not just third-party collectors — Fla. Stat. § 559.72
Wage garnishment exemption: Florida heads of household earning under $750 weekly are exempt from most wage garnishment — Fla. Stat. § 222.11

AI-Powered Reviews Summary

The Law Offices of Noam J. Cohen, P.A., located in Miami, Florida, is a highly regarded law firm specializing in debt collection and trial attorney services. Clients consistently praise the firm for its professionalism, efficiency, and impressive success rate in recovering outstanding debts, with many expressing relief and satisfaction in having their cases handled by such a knowledgeable team. With a commitment to clear communication and strategic advice, The Law Offices of Noam J. Cohen, P.A. is a top choice for businesses seeking reliable assistance in managing their accounts receivable.

Users Reviews Comments – Google

Had a substantial outstanding account receivable with a difficult client who simply refused to pay the invoice.

This firm saved my business! I had tons of outstanding debt that I didn’t know how to collect from customers and they worked with me on getting my debts collected swiftly! Very professional, knowledgeable, and will be doing repeat business with them in the future!

Very professional and high success rate.

Cohen’s firm took over the case when we were having trouble collecting a large invoice for services rendered. They were efficient and professional, ensuring we received our payment quickly. It was a relief to have them handle the matter so we could focus on our business. Their service was excellent and well worth the investment.

One of the best law firms out there.

To be very honest, I had a very positive experience with this law firm. They were professional, efficient, and delivered on their promise to collect our outstanding debt. The process was smooth, and they kept us updated every step of the way. I would not hesitate to use their services again.

They helped us recover a significant amount of money that we thought was lost. Their team is very knowledgeable and used the latest tools to track down our debtors. We were impressed by their dedication and the personal attention we received. This firm is definitely worth considering if you need help with collections.

I remember being particularly impressed with Cohen’s firm when they handled a tricky arbitration agreement dispute for us. Their knowledge of mediation and arbitration clauses really came through and saved us from what could have been a long, drawn-out court battle. Their strategic advice and professionalism were spot-on and made all the difference for us.

Back when I was living in Miami, I had a real issue with unpaid medical bills stacking up, and it was getting out of hand. That’s when I decided to reach out to Cohen’s office for help. They were on top of things, swiftly taking action and recovering the funds. What really stood out to me was their clear communication and the way they handled the whole case with dedication. If you find yourself in a similar situation, this is definitely the firm to contact.

This is the worst firm ever ! They issue out bad checks and make your bank accounts close. Noem cohen is very unprofessional and rush you off the phone.

Very rude, I wouldn’t recommend them. No human decency, Noam Cohen speak to you any type of way won’t let you speak and just downright not a good person. Record your calls with this firm keep record heed my warning.

Garnished my wages for an old debt. Paid it in full then hit me with another garnishment for same debt without any notice or copies. In addition, the Kissimmee court system reflects no such judgment other than the original already paid one. No response from lawyer and never mentioned there would be other fees associated. Never even allowed me the chance to digest that an additional 2500 in fees would be garnished. Horrible. Merry Christmas to me!!!! And you can save the best of luck comment, its not needed.

If I could give zero stars I would. When trying to resolve ANYTHING- I would highly suggest looking elsewhere. You will never get a call back and you will be leaving voicemails for days and sending emails with no response. This law office is a complete joke. Disgusted with what they do is how I can best describe my experience. They served a complete stranger, added the description of this person that was clearly obviously not me and refuse to give me a call or email to resolve. THESE PEOPLE ARE IN FACT PREDATORS. Things happen people fall behind and their line of work is to make sure businesses receive what they are owed- FINE BY ME. My issue is NOT verifying identity before freezing accounts or providing a better way to get a response to resolve. To me that is predator behavior. People READ the comments, even their responses ARE RUDE. They do wish you the “best if Luck“ at the end 🙂 can’t wait for mine!

Noam is very experience Atty in the debt collection field. He is very easy to communicate,even after business hours would not miss a call! He helped me settle an old debt very quick! I highly recommend him for a debt settlement or collection.

Noam has been working with our company for over 8 years and he is extremely knowledgeable about debt collection. He has done a great job helping our company with our collection needs.