After one instance of harassment from a third-party collection agency, you probably felt scared and confused. But once it started happening again and again, you thought little of it. It just became the background noise to your life.
But third-party collectors like Knight Adjustment Bureau shouldn't be acting this way. It's against the law, and whether you owe money or not, you deserve respect. You deserve peace, and here’s how to get it back.
Know Your Rights
A third-party collection agency doesn’t need to give you respect just because it’s the decent thing to do; in the case of the Fair Debt Collection Practices Act (FDCPA), it's codified into law.
The FDCPA prohibits a wide range of aggressive and deceptive behavior from third-party collectors. Under the FDCPA, third-party collectors should not be:
- Impersonating IRS agents or police officers in an attempt to collect a debt
- Attempting to collect an old debt
- Calling you at work after you've asked that the company's agents not do that
- Calling you before 8 a.m. and after 9 p.m. in your time zone
As you might imagine, this isn't the entire list. Get to know the FDCPA, and get an attorney to go over your rights with you.
Going to Court with Knight Adjustment Bureau
To get Knight Adjustment Bureau to stop harassing you, you’ll almost certainly have to file a claim. Once you’ve filed your claim, Knight Adjustment Bureau will receive a notice. The notice will explain where and when to appear in court, and it will notify the company of why it's being called in.
Those two messages are known as the summons and the complaint, respectively.
Knight Adjustment Bureau will make every attempt to make a good impression in court, and so should you. One of the best ways to do that is to get to court on time. It's essential to the success of your case; some cases are won and lost based on the impression a person makes in court. Keep this in mind, and be on time.
Preparing for Your Day in Court
Your attorney will help you prepare for your day in court in two critical ways. The first is the process of gathering evidence. Your attorney will have the best sense of what kind of evidence will be most persuasive and will give you guidance on what types of evidence you should be looking for in your past interactions with Knight Adjustment Bureau.
For example, if you received an embarrassing piece of mail from the collection agency, save it for your attorney.Additionally, your attorney will be helping you prepare for the questions that you'll be asked in court.
Pay close attention to your attorney's guidance, because if you prepare well at this stage, you can dramatically improve your chances of a positive outcome in court. With the right preparation, you can be relaxed and expect few (if any) surprises.
Contact an Attorney
You've gotten used to a particular norm in communication by now, thanks to the third-party collection agency's bad behavior. But with an attorney's help, you have the chance to regain some peace in your daily routine. A harassment-free day is within reach; contact an attorney to make it a reality.
*Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Knight Adjustment Bureau or any other third-party collection agency, you may not be entitled to any compensation.