About Us

Attorney Profile

Erik Kardatzke was born and raised in Wichita, Kansas, and has lived in Miami for the past eighteen years. After earning his degree from Wichita State University in International Business, he went on to obtain an MBA in International Management from the prestigious Thunderbird School of Global Management in Glendale, Arizona. After several years in the business world, Mr. Kardatzke earned his law degree from the University of Miami School of Law in 2005.

It is my goal to see each and every individual treated fairly and respectfully by credit card companies and their attorneys. Don’t let them take advantage of you, intimidate you, or confuse you with legal trickery. A knowledgeable consumer rights attorney will level the playing field.

Erik Kardatzke is a dedicated consumers rights attorney, and in his practice focuses exclusively on consumer law. Mr.Kardatzke defends individuals from debt collectors, credit card companies, and their attorneys, and specializes in debt collector harassment in violation of the FDCPA.

Prior to establishing Debt Defense Law, Erik Kardatzke worked as a debt collection attorney for one of the larger debt collection firms in Florida, and litigated thousands of cases as a representative of several well-known credit card companies. Now, Mr. Kardatzke is honored to defend individuals, who in his opinion, are being preyed upon by collection agencies.

Mr. Kardatzke is a member of the National Association of Consumer Attorneys (NACA), and the Florida Bar Association. He is licensed to practice in the Southern District of Florida. Kardatzke practices exclusively in credit card lawsuit defense, and collector harassment FDCPA, FCCPA, and TCPA violations.

The Firm

The hardworking, knowledgeable Debt Defense Law staff can answer all your questions about the credit card lawsuit you are facing, or the harassment you are suffering at the hands of the collection  agencies. Our helpful staffers are fluent in English, Spanish, and French so you can communicate comfortably and easily during your free consultation visit, all future visits and on telephone calls. We treat each client as an individual in every way, from case counseling to payment options.

At Debt Defense Law, we know our clients by name, not by case number. We are all passionate about helping people in their fight against debt collectors. There’s nothing I love more than making the phone call to a client we’ve been working with to say ‘Congratulations! Erik just won the case!

- Director of Client Services