Postillion Law Group, LLC

12/30/2025

⚖️ Florida Consumers: Know Your Rights in Debt Collection

If you are being contacted by a debt collector, you are not without protections. Florida law and the federal Fair Debt Collection Practices Act (FDCPA) strictly regulate how and when debt collectors may communicate with you.

Collectors may not harass, threaten, misrepresent the amount owed, or contact you at unreasonable times. You also have the right to request written verification of the debt and to dispute inaccurate or improper claims.

At our firm, we believe consumers deserve to be treated lawfully, fairly, and with dignity. Understanding your rights is the first step toward protecting yourself and making informed decisions about how to move forward.

If you have questions about debt collection practices or believe your rights may have been violated, speaking with a qualified Florida attorney can help you understand your options. Give us a call at 904-615-6621, or visit us at

In business, it's about people. It's about relationships.

12/24/2025

From all of us at the firm, including the office dog, Comet, we wish you and your family a very Merry Christmas.

12/22/2025

As a bankruptcy attorney in the Sunshine State, I meet many hardworking Floridians who are stressed about debt—from medical bills, credit cards, job loss, or just life curveballs. Bankruptcy isn't about failure; it's a federal right designed to give honest people a fresh financial start.
Here are a few of the most common issues and myths my clients bring up:

"Will I lose my house or everything I own?" No! Florida has some of the strongest property protections in the country. Our homestead exemption often lets you keep unlimited equity in your primary home. Your retirement account is also protected, so make sure you save it and keep it safe. You can protect some equity in your car, personal items, and more. Most Chapter 7 cases are "no-asset," meaning you keep it all.

Chapter 7 vs. Chapter 13—which is better? Chapter 7 is quick (often 4-6 months) and wipes out unsecured debts like credit cards and medical bills if you qualify under the means (income) test. Chapter 13 lets you keep everything and catch up on missed mortgage/car payments over 3-5 years—great for saving your home from foreclosure.

"Bankruptcy will ruin my credit forever." Bankruptcy stays on your credit report for 7-10 years, but many clients see their scores improve within a year or two by rebuilding responsibly. It's often better than years of collections and late payments dragging it down.
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"Everyone will know, and it'll shame me." Bankruptcy is private—only creditors get notice. It's way more common than you think (medical debt alone causes over 60% of filings nationwide). There is no judgment in the bankruptcy court.

If you're drowning in calls from collectors, facing foreclosure, or just can't sleep worrying about bills, you're not alone—and there are options. Filing stops harassment immediately under the federal automatic stay. I'm here to help without judgment. DM me or call 904-615-6621 for a free consultation. Let's chat about your situation and see if bankruptcy (or alternatives) could give you that fresh start you deserve. You've got this!

Call now to connect with business.

08/14/2024

Estate planning is crucial not just for married couples, but for singles as well. It is important to understand who can and will make decisions upon your death or incapacity. Putting in place a power of attorney and health care proxy can alleviate many of those burdens.

Depending on the nature of your assets, you may also want to consider a revocable living trust. Also, be sure that beneficiary designations on your life insurance, retirement, and bank accounts reflect your current wishes. If you were previously married, your former spouse may still be a beneficiary of some accounts, or you may have named, as a beneficiary, a friend with whom you are no longer in contact. Remember that beneficiary designations override how your will or revocable trust distributes your assets.

If you are looking for help setting up a trust, updating your beneficiaries, writing a will, or gathering your key financial and health care documents, we can help.

Call us at 904-615-6621 or email [email protected]

07/12/2024

Congrats to Chris Kinnaman, Esq. on his recent bench trial win. Mr. Kinnaman prosecuted a claim for construction defects against a contractor who walked off the job.

Mr. Kinnaman works extensively in Construction Law and would be happy to discuss your case today. Feel free to call 904-615-6621 or email [email protected] today.

01/18/2024

Hello, Jacksonville! Ever wondered about the power of Trusts in shaping your financial future? Let's delve into why establishing a trust with Postillion Law can be a game-changer for your estate planning journey.

👨‍👩‍👧‍👦 Flexible Family Planning: Tailor your trust to fit your family's unique needs. From providing for minors to supporting elderly relatives, a well-structured trust allows you to customize your plan, ensuring your loved ones are cared for in every stage of life.

🌍 Smooth Succession for Businesses: If you're a small business owner a trust can be the linchpin of your succession plan. Maintain business continuity seamlessly, passing the torch to the next generation or a chosen successor without the hurdles of probate.

🛡️ Privacy and Efficiency: Unlike wills, trusts are private documents, shielding your affairs from public scrutiny. Avoid the probate process altogether, saving time and money, ensuring a more efficient transfer of assets to your beneficiaries.

💡 Incapacity Planning: Plan for the unexpected. With a trust, you can appoint a successor trustee to manage your affairs if you become incapacitated, ensuring that your financial matters are handled according to your wishes.

📞 Connect with us today and let's build a trust that stands the test of time. Give us a call at 904-615-6621 or email Chris Kinnaman, at [email protected] for more information.

🌅📜

01/15/2024

As we all take a moment to reflect on Martin Luther King, Jr. today, let us remember these poignant words, and remember that we are more similar than we are different.

“Let no man pull you so low as to hate him.”
MLK, Jr.

01/05/2024

📣 Hey Florida friends! Did you know that having a Will is like giving yourself and your loved ones a priceless gift? 🎁 Let's talk about why having a Will in the Sunshine State is a crucial step towards securing your future and protecting your family's legacy. 🌴💙

🔒 Secure Your Assets: Life is unpredictable, and having a Will ensures that your hard-earned assets are distributed according to your wishes. From your beachfront property in Miami to your favorite vintage surfboard, a Will can help avoid complications and provide clarity.

👨‍👩‍👧‍👦 Protect Your Loved Ones: Your family means the world to you, and a Will allows you to provide for them even when you're no longer around. Designate guardians for your children, outline specific bequests, and ensure their financial stability with a well-crafted estate plan.

💼 Business Succession: If you're a savvy entrepreneur soaking up the business scene, a will is a key component of your succession plan. Clearly outline how you want your business affairs handled to ensure a smooth transition and continued success.

🌐 Navigate Probate Efficiently: Florida's probate laws can be intricate, but a well-drafted Will can streamline the probate process for your loved ones. Save them time, stress, and potential disputes by clearly expressing your wishes.

📞 Ready to Take the Next Step? At Postillion Law, we specialize in crafting personalized estate plans that cater to your unique needs. Reach out to our experienced team today and let's start planning for your tomorrow. Give us a call at 904-615-6621 or email [email protected] for more information.

🏝️📜

01/03/2024

Happy New Year! from Postillion Law. Need a lawyer? Call 904-615-6621 or email us at [email protected]

06/07/2023

Are you dealing with construction defects in your home or property? Don't let these issues go unresolved!

Did you know that as a homeowner in Florida, you have rights when it comes to construction defects? Whether it's faulty plumbing, structural problems, or subpar craftsmanship, you deserve a safe and well-built home.

Don't hesitate to take action! Here at Postillion Law Group, LLC, we handle construction defect cases and are dedicated to fighting for your rights. Our attorneys understand the complexities of construction laws and will work tirelessly to hold responsible parties accountable.

We offer a FREE initial consultation where we can assess your case and provide you with the guidance you need. Let us help you navigate the legal process and pursue the compensation you deserve.

Remember, time is of the essence when it comes to construction defect claims, so act now! Together, we can ensure that your home is restored to its rightful condition and protect the rights of homeowners across Florida.

Comment below or give us a call at 904-615-6621 to schedule your FREE consultation.

Send a message to learn more

08/30/2022

What are your thoughts?

In what's believed to be the first case of its kind, a student argued that Cleveland State University violated his Fourth Amendment rights when he complied with a we**am recording of his exam space.

08/23/2022

We have recieved a substantial increase in contractor disputes and construction issues in 2022. All throughout the pandemic many homeowners have chosen that time to beautify their home by making additions.

Chapter 558 of the Florida Statutes broadly governs “construction disputes”. The Statute generally requires that owners provide pre-suit notice to developers, contractors, subcontractors, material suppliers and/or design professionals before the filing of legal action against any of the aforementioned parties in connection with an alleged construction defect.

The notice must describe in “reasonable detail” the defect(s) at issue so that the party in receipt of the notice may reasonably ascertain the location/scope of the defects. The notice must also list the damage or loss resulting from the defect(s), if known.

That begs the question then what is a “Construction Defect”:

Chapter 558 applies to claims stemming from an alleged construction defect. Section 558.002(5), F.S., defines a “construction defect” as follows:

“[A] deficiency in, or a deficiency arising out of, the design, specifications, surveying, planning, supervision, observation of construction, or construction, repair, alteration, or remodeling of real property resulting from:

(a) Defective material, products, or components used in the construction or remodeling;

(b) A violation of the applicable codes in effect at the time of construction or remodeling which gives rise to a cause of action pursuant to s. 553.84;

(c) A failure of the design of real property to meet the applicable professional standards of care at the time of governmental approval; or

(d) A failure to construct or remodel real property in accordance with accepted trade standards for good and workmanlike construction at the time of construction.”

The foregoing definition is fairly broad, and is likely to encompass most claims stemming from improvements or repairs to real property.

The process must be specifically followed in order to bring a successful claim or you might just get bounced out of court. If you have any questions about a construction defect claim, you can call 904-615-6621 or email Christopher Kinnaman at [email protected] for more information.