Penn Credit is a credit collection specialist based in Harrisburg, Pennsylvania. Penn Credit has been in business since 1987. Penn Credit offers third-party collection services on many levels, including pre-collect collections, primary collections, secondary collections, and purchased debt collections.
If you have learned that Penn Credit is suing you, you should carefully read the lawsuit. Talk with an FDCPA attorney and file a response. If you don’t respond, the court will assume that the allegations and claims made by Penn Credit are accurate, and you they will be awarded a judgment.
How To Respond To A Lawsuit From Penn Credit
If you believe that the debt Penn Credit is collecting has been paid, you will need to gather up proof of any payments that you have made. Gather up all supporting documentation and ask Penn Credit to provide evidence that shows you owe the debt in question.
An FDCPA lawyer will be able to prove if the FDCPA has been violated and help you with your claim. If you do owe the debt, work to negotiate a settlement with Penn Credit. When you negotiate, you will be able to settle the debt for much less than the face value, saving yourself money and time.
Damages You Could Receive From Penn Credit
After reviewing the details of the process and the lawsuit, your FDCPA attorney can determine if the FDCPA was violated by Penn Credit. If they violated the FDCPA, which many collection agencies do, you can pursue a claim against them to recoup damages.
Here are just a few of the damages you might be able to recover from Penn Credit:
- Physical distress– If you are harassed repeatedly with threatening phone calls and letters, you can suffer physically. Physical distress can culminate in many ways, such as sleep difficulty, panic attacks, depression, anxiety, tension headaches, stress-induced heart problems, and high blood pressure.
- Emotional distress – Emotional distress could result because of the stress that the collection agency puts on your relationships at home and at work.
- Lost wages – Sometimes the harassment is so severe, your work productivity is affected. If you have a loss of income because of the reduced productivity, or if you have missed work because of emotional distress or physical distress, you can recover the wages.
- Recovery of wage garnishment – If your wages were garnished by Penn Credit while they violated the FDCPA, you can recover those garnished wages.
- Legal fees – If Penn Credit violated the FDCPA, you can make them cover your legal fees and the court costs.
- Statutory damages – If your claim isn’t eligible for other damages, you can recover statutory damages of as much as $1,000 for Penn Credit violating the FDCPA.
- Injunctive relief – The court can issue injunctive relief, ordering Penn Credit to no longer contact you, your employer, or family by phone or by mail. This can resolve the harassment and stress.
Talk To An FDCPA Attorney Today
If Penn Credit is threatening you with a lawsuit, consult with an FDCPA attorney who is licensed in your state. Get your case reviewed today, so you will know how to proceed.
*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 Penn Credit or any other third-party collection agency, you may not be entitled to receive any compensation.