table, secured, or unsecured."); Fla. Stat. Ann. § (defining creditor protected by the act as "a person who has a claim"). See generally Freeman v. First Union Nat. Bank, 865 So.2d 1272, 1277 (Fla. 2004) (noting that the definition of 13 EFTA00234883 Case 9:08-cv-80119-KAM Document 165 Entered on FLSD Dock

rder to obtain advice or assistance in perpetrating what the client knows to be a crime or fraud, the communication loses its privileged character." First Union Nat? Bank v. Turney, 824 So. 2d 172 (Fla. 1st DCA 2001). The privilege "cannot prevent the disclosure of communications made in contemplation of a crim