Terms of Service

1. Acceptance of These Terms

Welcome to abrahamasset.com (the “Site”), operated by Abraham and Associates Asset Recovery Services, LLC (“Abraham and Associates,” “we,” “us,” or “our”), a Florida limited liability company with its principal office at 848 Brickell Avenue, PH 5, Miami, FL 33131. By accessing or using the Site, requesting a consultation, or communicating with us, you agree to these Terms of Service and to our Privacy Policy. If you do not agree, please do not use the Site.

2. Who We Are and What We Do

Abraham and Associates is an asset recovery services company. We help former property owners and other rightful claimants identify and recover surplus funds that may be held following foreclosure or tax deed sales in Florida. We provide our services through a Power of Attorney structure and work with independently licensed Florida attorneys who handle legal filings where required.

Abraham and Associates is not a law firm, and we are not attorneys. Nothing on this Site, and no communication with us, creates an attorney-client relationship with Abraham and Associates. Where a licensed attorney participates in your matter, any attorney-client relationship is between you and that attorney, established under a separate engagement.

3. Informational Content Only

Content on this Site, including articles, videos, and answers to common questions, is provided for general information. It is not legal, financial, or tax advice, and it is not a substitute for advice from a licensed professional who knows the specifics of your situation. Laws change, and the application of any law depends on individual facts.

4. Consultations and Client Relationships

The Site allows you to request a free 15-minute consultation. A consultation, by itself, does not make you a client and does not obligate you or us. A client relationship with Abraham and Associates is formed only by a written agreement signed by both parties, and the terms of that written agreement control the engagement.

5. No Guarantee of Results

Whether surplus funds exist, in what amount, and who is entitled to them depends on court records, competing claims, and applicable law. Statements on this Site about recoveries describe past outcomes or general possibilities. They are not a promise about your case. We do not guarantee that funds will be located or recovered.

6. Fees

We do not charge upfront fees for our recovery services. Our compensation is set exclusively in the written agreement between you and Abraham and Associates and is contingent as described there. You will always see the terms in writing before you owe us anything.

7. Your Information and Communications Consent

When you submit a form, call, or text us, you agree to provide information that is accurate and that you have the right to share. By providing your phone number, you consent to receive calls and text messages from Abraham and Associates about your inquiry or an active matter. Marketing and recurring informational messages are sent only with your separate, express opt-in, as described in our Privacy Policy, which also contains our full SMS program disclosures. Message and data rates may apply. Reply STOP to any text to opt out, or HELP for assistance. Consent to receive messages is not a condition of receiving our services.

8. Intellectual Property

The Site and its content, including text, articles, videos, graphics, and logos, are owned by Ana Larrubia and Abraham and Associates Asset Recovery Services, LLC, or used with permission, and are protected by copyright and other intellectual property laws. You may view and share links to our content for personal, noncommercial purposes. Any other reproduction, distribution, or use requires our prior written permission.

9. Third-Party Services and Links

The Site uses third-party services, such as embedded video players and secure form providers, and may link to third-party websites. Those services and sites are governed by their own terms and privacy policies. We are not responsible for third-party content or practices.

10. Acceptable Use

You agree to use the Site lawfully. You will not attempt to interfere with the Site’s operation, misrepresent your identity, submit claims or information belonging to another person without authority, or use Site content to mislead others.

11. Disclaimers

The Site is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components.

12. Limitation of Liability

To the fullest extent permitted by law, Abraham and Associates and its members, officers, and personnel will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the Site. Our total liability for any claim relating to the Site will not exceed one hundred dollars ($100). This limitation applies to Site use only; the rights and obligations of the parties in a signed services agreement are governed by that agreement.

13. Indemnification

You agree to indemnify and hold harmless Abraham and Associates from claims, damages, and expenses, including reasonable attorney’s fees, arising from your violation of these Terms or your misuse of the Site.

14. Arbitration Agreement

1. Agreement to Arbitrate. You and ABRAHAM AND ASSOCIATES (“Company”) agree that any dispute, claim, or controversy arising out of or relating to these Terms of Service or your use of the website and services (collectively, “Disputes”) will be settled by binding arbitration, except that each party retains the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party’s copyrights, trademarks, trade secrets, patents, or other intellectual property rights.
2. Arbitration Rules and Forum. The arbitration will be administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules (the “AAA Rules”) then in effect, except as modified by this Arbitration Agreement. The AAA Rules are available at www.adr.org or by calling 1-800-778-7879. If there is a conflict between the AAA Rules and this Arbitration Agreement, this Arbitration Agreement will govern.
3. Arbitration Process. A party who desires to initiate arbitration must provide the other party with a written Demand for Arbitration as specified in the AAA Rules. The arbitrator will be either a retired judge or an attorney licensed to practice law in the state of Florida and will be selected by the parties from the AAA’s roster of consumer dispute arbitrators. If the parties are unable to agree upon an arbitrator within seven (7) days of delivery of the Demand for Arbitration, then the AAA will appoint the arbitrator in accordance with the AAA Rules.
4. Arbitration Location. Unless you and the Company otherwise agree, the arbitration will be conducted in the county where you reside. Where no disclosed address exists, the arbitration will be conducted in Miami-Dade County, Florida.
5. Arbitrator’s Decision. The arbitrator will render an award within the time frame specified in the AAA Rules. The arbitrator’s decision will include the essential findings and conclusions upon which the arbitrator based the award. Judgment on the arbitration award may be entered in any court having jurisdiction thereof. The arbitrator’s award of damages must be consistent with the terms of the “Limitation of Liability” section of these Terms as to the types and amounts of damages for which a party may be held liable. The arbitrator may award declaratory or injunctive relief only in favor of the claimant and only to the extent necessary to provide relief warranted by the claimant’s individual claim.
6. Fees and Costs. Payment of all filing, administration, and arbitrator fees will be governed by the AAA Rules, unless otherwise stated in this Arbitration Agreement.
7. Right to Opt Out. You have the right to opt out of the provisions of this Arbitration Agreement by sending written notice of your decision to opt out by e-mail with the subject line: “DECISION TO OPT OUT OF ARBITRATION AGREEMENT” to the following e-mail address: info@abrahamasset.com, within thirty (30) days after first becoming subject to this Arbitration Agreement. Your notice must include your name, mailing address, email address associated with your account (if applicable), the aforementioned subject line and an unequivocal statement that you want to opt out of this Arbitration Agreement. If you opt out of this Arbitration Agreement, all other parts of these Terms will continue to apply to you. Opting out of this Arbitration Agreement has no effect on any other arbitration agreements that you may have entered into with the Company or may enter into in the future with the Company.
8. Severability. If any part or parts of this Arbitration Agreement are found under the law to be invalid or unenforceable, then such specific part or parts shall be of no force and effect and shall be severed and the remainder of the Arbitration Agreement shall continue in full force and effect.
9. Future Changes to Arbitration Agreement. Notwithstanding any provision in these Terms to the contrary, you and the Company agree that if the Company makes any future change to this Arbitration Agreement (other than a change to the notice address) while you are a user of the services, you may reject any such change by sending the Company written notice within thirty (30) days of the change to the notice address provided above. By rejecting any future change, you are agreeing that you will arbitrate any Dispute between us in accordance with the language of this Arbitration Agreement as of the date you first accepted these Terms (or accepted any subsequent changes to these Terms).
10. Survival. This Arbitration Agreement will survive the termination of your relationship with the Company.

15. Governing Law and Venue

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles. Subject to Section 14, any dispute that is not subject to arbitration will be brought exclusively in the state or federal courts located in Miami-Dade County, Florida, and you consent to their jurisdiction.

16. Changes to These Terms

We may update these Terms from time to time. The effective date at the top of this page shows the latest revision. Continued use of the Site after an update means you accept the revised Terms.

17. Contact

Abraham and Associates Asset Recovery Services, LLC, 848 Brickell Avenue, PH 5, Miami, FL 33131. Phone: (305) 307-1634, or (844) 454-2884 from outside Florida. Email: info@abrahamasset.com. Website: https://abrahamasset.com.