Florida 13th Circuit
Debt Collection Attorney.

Your business is owed money, and the account has stopped moving. Calls go unanswered, promises come and go, and the balance sits on your books while the cost of carrying it grows. You have a signed obligation and every right to be paid — what you need is a firm that will recover it without turning a routine matter into a complaint, a lawsuit, or a mark against your name.

For nearly fifty years, Marcadis Law Firm has served financial institutions and established businesses across Florida as one of the state's oldest and largest creditors' rights practices. We recover what our clients are owed with the discipline the work demands and the restraint the relationship requires. In collections, the person on the other end of the line is still your customer — present or former — and we treat them as exactly that. What we protect is not only the balance. It is your reputation.

Serving Hillsborough County's Diverse Commercial Economy

The 13th Judicial Circuit covers Hillsborough County, one of Florida's most dynamic and diversified commercial regions. Its economy runs on healthcare and life sciences, professional and technical services, banking, finance, and insurance, and a fast-growing information technology and cybersecurity sector that has made Tampa a genuine tech hub. Alongside these sit robust light and specialized manufacturing, a substantial logistics and distribution base anchored by Port Tampa Bay, active construction, and an agricultural sector that endures across the county's rural reaches.

That diversity shapes the credit landscape we serve. Commercial banks, credit unions, commercial real estate lenders, mortgage lenders, and SBA-backed programs extend business loans, lines of credit, equipment financing, and real estate lending throughout the region. The debtors are equally varied: real estate developers and property owners; retailers, restaurants, and professional service firms; manufacturers, contractors and subcontractors, logistics operators, and agricultural businesses. Their assets concentrate in commercial real estate — office and coworking space, retail storefronts, industrial and flex warehousing, and medical offices — as well as in the machinery, equipment, inventory, and vehicles that keep these businesses running.

Commercial activity clusters in recognizable districts: the office towers and professional firms of Downtown Tampa and Westshore; the boutique retail, creative offices, and hospitality of Ybor City; the affordable office and retail of Brandon; the maritime and industrial concentration around Port Tampa Bay; and the high-traffic corridors of Dale Mabry Highway, Kennedy Boulevard, US 301, and West Hillsborough Avenue. Business and industrial parks throughout the county gather light manufacturing, warehousing, and research operations, while neighborhood commercial districts in Carrollwood, Plant City, Riverview, Ruskin, Temple Terrace, Valrico, and beyond support the everyday storefronts that anchor local communities. We understand who does business here, and how obligations are structured across each of these sectors.

From Demand to Judgment to Enforcement

Every matter follows a controlled, methodical path, handled the same disciplined way whether it is the first file of the day or the ten-thousandth. We begin with a clear, professional demand — a communication that gives the obligor an honest account of where things stand and the options that remain. By the time a matter reaches our desk, those options have narrowed, and we say so plainly. But firmness is not cruelty. Many accounts resolve here, without litigation, because a serious and respectful conversation is often the most efficient path to recovery — and the one least likely to damage the relationship behind the debt.

When a demand does not produce resolution, we pursue judgment through the courts. And once judgment is entered, we move to enforcement, using the remedies Florida law provides to convert a paper judgment into an actual recovery:

• Writs of garnishment — reaching bank accounts, receivables, and other obligations owed to the debtor by third parties.
• Writs of execution and levy — directing the sheriff to seize and sell non-exempt business assets such as equipment, inventory, and vehicles.
• Judgment liens — recorded against real and personal property to secure and ultimately satisfy the amount owed.

At every stage, our people work a controlled system engineered to remove the greatest risk to a creditor's reputation: the improvised call, the abusive rep, the compliance miss. Restraint here is not softness. It is the professional standard, enforced by design, so that we bring back what is owed without costing you the customer or the name you have spent decades earning.

Venue and Local Practice

Commercial collection matters in Hillsborough County are heard in the Thirteenth Judicial Circuit, with the courthouse in Downtown Tampa. Depending on the amount in controversy, claims proceed in county court or circuit court, and post-judgment enforcement runs through the same circuit and the offices that support it. We appear in these courts as a matter of routine, and we know how matters move through them — the local expectations, the sequencing, and the practical steps that carry a file from filing to satisfied judgment.

If your institution has volume to place in the 13th Circuit and a reputation to protect, we invite you to see how a disciplined process performs at scale. We are the steady engine behind our clients' financial rights — recovering what is owed, the same way every time, without doing damage to the relationship or the name behind it.