What to Do If Atlantic Credit & Finance Sues You*

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Third-party debt collectors take over past-due accounts in an effort to collector from the borrower and to make some profit. Atlantic Credit and Finance is a debt collection agency based in Roanoke, Virginia. There are many complaints about this company.

If they have filed a lawsuit against you for a debt, you will need to respond to the allegations before the deadline that is specified in the document. You will need to read through the lawsuit thoroughly.

If you don’t respond, the court will award Atlantic Credit and Finance against you, so don’t postpone your action. You should consult with an FDCPA lawyer who handles such cases in your area.

How to Respond to A Lawsuit From Atlantic Credit and Finance

Just because you are being sued by Atlantic Credit and Finance doesn’t mean that you owe the full debt in question. Gather up proof of any payments that you made. Also, ask Atlantic Credit and Finance to show you proof of the debt.

Your FDCPA attorney will sort through the evidence and documentation to determine if the debt is legitimate and how to respond. Your lawyer will determine if the FDCPA was violated. If you do owe the debt, you and your FDCPA lawyer can work to negotiate a settlement with Atlantic Credit and Finance.

This will save you money and it will also keep the case out of court.

What to Do If Atlantic Credit and Finance Sues You*

Damages You Could Receive from Atlantic Credit and Finance

If a collection agency violates the FDCPA, they can be punished and held responsible for any damages that they cause. If Atlantic Credit and Finance violated the FDCPA, you can seek damages from them. Here are common damages sought in such situations:

Statutory damages – If you weren’t the victim of physical or emotional distress, you can recover $1,000 in statutory damages for the FDCPA violation.

Physical distress –If ongoing harassment caused physical distress, you can ask Atlantic Credit and Finance to compensate you. Physical distress can result in sleep disturbances, migraines, high blood pressure, tension headaches, anxiety, stress-induced heart problems, and depression.

Emotional distress – Emotional distress, such as damaged relationships, embarrassment, and mental anguish might result from the harassment by the debt collector. You can ask to be compensated for these damages.

Lost wages– If you missed work because of the distress you suffered, you can ask to be repaid for those losses. Also, if your reduced productivity because of the calls at work affected your pay, provide documentation for that as well.

Recovery of wage garnishment– If there was an FDCPA violation that contributed to your wages being garnished, you can ask to be reimbursed those wages.

Legal fees–Atlantic Credit and Finance might have to cover your attorneys’ fees and the court costs.

Injunctive relief– Atlantic Credit and Finance might be ordered to cease contact with you or your associates by phone or by mail.

Talk to An FDCPA Attorney Today

If you are being sued by Atlantic Credit and Finance, consult with an FDCPA lawyer today to determine the best way to proceed with your claim.

Additional Resources

*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 Atlantic Credit and Finance or any other third-party collection agency, you may not be entitled to receive any compensation.