When a debt collector like Northstar Location Services sues you over a debt you should respond to the lawsuit, either personally or with the help with an FDCPA attorney. Remember that you have only a limited amount of time to respond so don’t put it off.
If a debt collection agency file a lawsuit against you make sure you read it carefully and respond by the deadline that’s listed on your paperwork. If you don’t respond at all the judge will likely issue a judgement against you by default because you didn’t respond.
How to Respond to a Debt Collector Lawsuit
Northstar Location Services or another debt collection company may take you to court over your debt and summon you to appear. If you haven’t paid any money towards the debt you can respond to the lawsuit by saying that you’d like to settle the debt and make an offer for settlement.
You could end up paying just a fraction of the original debt if you do this but be prepared to pay right away if they accept your offer. If you have been making payment on the debt make sure that you have copies of every payment that you made to prove that you don’t owe the money.
Damages You May Be Entitled To
If you think that Northstar Location Services has used abusive or harassing methods against you that violate the FDCPA you may can file a claim against them and you may be entitled to damages.
Late night phone calls or early morning calls, calling throughout the day, or calling you at work are examples of abusive practices that violate the FDCPA.
You can receive damages for:
- Statutory Damages – You could receive up to $1000 from the debt collector as a penalty for violating the FDCPA.
- Emotional Distress- If the harassment has cause you a lot of stress and anxiety or caused depression or other emotional disturbances you can be compensated with damages for that.
- Physical Distress – If you have stopped sleeping or have other physical illnesses and problems due to the stress and anxiety caused by harassment from the debt collector you can receive money for that in the form of damages.
- Lost Wages – If you have had to take personal time off of your work to deal with the debt collector or if you were suspended from your job because the debt collector repeatedly called you at work you can receive money for the wages that you lost when you were not able to work.
Talk to an Attorney Today
When you are getting sued by a debt collector the best thing to do is talk with an attorney that is skilled in dealing with FDCPA cases. An attorney can give you advice on the best way to respond to the lawsuit based on your unique circumstances.
- Is Northstar Location Services Calling You?
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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 Northstar Location Services or any other third-party collection agency, you may not be entitled to any compensation.