You come home one day to find a certified letter in your mailbox. After reading the letter, you begin to panic because the letter is a formal notice letting you know a debt collection agency has sued you in civil court. With your mind racing, you decide to toss the letter into the trash and go on with your life. After all, you paid off the consumer debt owed to Credence Resources Management, Inc.
By not doing anything, you give the third party debt collection agency the legal right to seek a judgment against you. If you do not respond personally or via a consumer protection lawyer, a judge will award Credence Resources Management, LLC a judgment for the entire amount owed on the debt. The judgment also will cover any interest that has accrued on the account, as well as costly court and attorney fees.
Responding to a Lawsuit Filed by a Bill Collector
The key for responding to a lawsuit is to assume complete responsibility for the consumer debt. When you read the formal notice informing you about a lawsuit, you should notice the words “summons” and “complaint.” Both words indicate the debt collection agency has decided to file an official complaint that summons you to appear in court. You must reply to the summons by writing and sending a letter or even better, hiring a licensed consumer protection attorney communicate with the court.
Hiring a consumer protection lawyer is important for two reasons. First, the attorney will be an expert at handling cases involving the Fair Debt Collection Practices Act (FDCPA). Passed by the United States Congress in 1977, the FDCPA outlaws dozens of previously valid debt collection practices.
Second, your FDCPA lawyer will know the proper timeline to follow for responding to a lawsuit filed by Credence Resources Management, Inc. For example, you have 20 days of personal service or 30 days of any other type of service to reply to a formal notice that lets you know about a civil lawsuit filed against you.
Monetary Damages Granted by the FDCPA
If your FDCPA attorney discovers Credence Resources Management, LLC violated one or more provisions of the FDCPA, he or she might decide to file a counter claim against the third party debt collector. Having to go through a debt collection lawsuit can have an adverse impact on your career. You might lose wages because of the time needed to fight back against a bill collector.
The FDCPA gives you the legal power to recover all lost wages because of the illegal actions of a debt collection agency. You are also to recover money that was garnished from your paychecks. Your FDCPA lawyer will submit the proper documents to ensure you receive all of the money you deserve because of lost wages and garnished paychecks.
Never allow a third party debt collector to push you around in court. Schedule a free initial consultation with an experienced FDCPA attorney today to determine how to respond to a lawsuit filed by Credence Resources Management, LLC.
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*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Credence Resources Management, LLC or any other third-party collection agency, you may not be entitled to any compensation.