Falling deep into debt is a lot like sinking into quicksand. The harder you fight to extricate yourself from the jam, the deeper you sink into a financial abyss. Personal debt generated by credit cards and personal loans can trigger stress and anxiety.
If you think debt alone is a stress trigger, wait until a debt collection agency like National Commercial Services, Inc. calls you at home and/or at work.
Huge profit margins motivate third party debt collectors to come after consumers hard in attempts to collect outstanding debts. Even with the enactment of a groundbreaking federal consumer law, many bill collectors stop at nothing to reap the financial windfall generated by forcing consumers to take care of delinquent credit card and personal loan balances.
Fortunately, consumers have a potent legal weapon in the form of filing a claim against debt collection agencies.
Overview of the Fair Debt Collection Practices Act
Before September 20, 1977, consumers had little recourse against the aggressive tactics used by third party debt collectors. With the passage of the FDCPA, the legal playing field reached a semblance of equality between consumers and bill collectors such as National Commercial Services, Inc.
Although debt collection agencies are permitted under the FDCPA to call consumers, the federal consumer protection law limits the phone calls to between 8 am and 9 pm. Any phone calls made after nine at night and eight in the morning are considered violations of the FDCPA.
There is also a clause within the FDCPA called “reason to know” that stops phone calls made to consumers at their places of employment.
Some third party debt collectors view the FDCPA as more of a nuisance, as opposed to a strict federal law they must abide by when dealing with consumers.
Because of bill collector negligence, the FDCPA permits consumers to file civil lawsuits to recoup the money lost because of lost wages, as well as any money garnished by a debt collection agency to pay off an outstanding consumer debt.
The first step in preparing to file a civil lawsuit involves speaking with a licensed consumer protection attorney.
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How to Prepare a Claim against National Commercial Services, Inc.
Finding an accomplished lawyer is the most important step in preparing to file a lawsuit against National Commercial Services, Inc. A FDCPA attorney that has compiled an impressive record of wining FDCPA lawsuits gives you a much better chance of receiving the monetary damages you deserve under federal law.
Your lawyer will thoroughly review your case to determine the best course of legal action. If filing a claim is the legal option selected by your lawyer, you can expect to hand over documentation that proves your claim of numerous FDCPA violations committed by a debt collection agency.
You should know that a third party debt collector like National Commercial Services, Inc. will come to court with a seasoned legal team that has considerable experience litigating FDCPA cases.
You might Google “How to file a claim against a debt collection agency,” and then prepare for the case by yourself. However, you have a much better chance of winning your case by working with an experienced FDCPA lawyer.
For example, your lawyer will run you through several practice sessions in which he or she will play the role of the attorney representing National Commercial Services, Inc.
Schedule an initial consultation with a FDCPA lawyer to learn more about your consumer protection rights.
Additional Resources
*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 National Commercial Services, Inc. or any other third-party collection agency, you may not be entitled to any compensation.