What to Do If a Collection Agency Sues You?
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What To Do If Delta Outsource Group Sues You*
Delta Outsource Group is a debt collector based in O’Fallon, Missouri. There are many complaints made against debt collectors, such as Delta Outsource Group every year. If you are being sued by Delta Outsource Group, you should read the lawsuit at its entirety. Don’t hesitate, but act by responding to the lawsuit. You should talk with an FDCPA attorney about how to proceed with your case. If you fail to respond to the lawsuit filed against you, Delta Outsource Group will be awarded a judgment, and the court will assume the allegations were true and accurate.
How To Respond To A Lawsuit From Delta Outsource Group
If Delta Outsource Group is collecting a debt that you don’t owe or that has been paid, gather up all your supporting documentation. Take in proof of any bills that you paid and any payments that you made toward the debt in question. If you don’t think the debt is yours, ask them to show proof that indicates otherwise. An FDCPA attorney will help you build your defense and can determine if the collection agency violated the FDCPA. If you owe the debt, negotiating with Delta Outsource Group could be to your benefit because you could work out arrangements to pay much less than the original amount, saving you time and money on the process.
Damages You Could Receive From Delta Outsource Group
After an FDCPA attorney reviews the lawsuit that Delta Outsource Group files against you, he or she can determine if the debt collector violated the FDCPA. If they did violate the collection laws, which isn’t uncommon, you can recover compensation for the damages that they caused you. Here are some damages you might be able to recover from Delta Outsource Group:
- Harassing phone calls and letters can take their toll on you. You could suffer both physical distress and emotional distress. You could have sleep disturbances, migraines, depression, panic attacks, stress-induced cardiac issues, muscle pain, high blood pressure, and tension headaches. Your relationships could also suffer – including those with your spouse and your employer. These can affect you in many ways.
- Lost wages – Harassing phone calls can affect work productivity, get you in trouble at work, and the physical and emotional distress could cause you to miss work altogether. You can recover your lost wages by showing that this was caused by Delta Outsource Group’s behavior.
- Recovery of wage garnishment – Sometimes wages are garnished for delinquent accounts. If the FDCPA was violated by Delta Outsource Group to garnish your wages, you can recover those wages.
- Legal fees – If the FDCPA was violated by Delta Outsource Group, they can be held responsible for legal fees, including court costs and your attorney.
- Statutory damages – If you aren’t eligible for the previously mentioned damages, you can recover statutory damages of as much as $1,000 for Delta Outsource Group violating the FDCPA.
- Injunctive relief – Delta Outsource Group could be ordered by the court to no longer contact you, your employer, or family by phone or by mail. This can resolve the harassment and stress.
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Talk To An FDCPA Attorney Today
If you are being sued by Delta Outsource Group, you should consult with an FDCPA attorney today. With the help of a lawyer, you will know how to proceed.
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 Delta Outsource Group or any other third-party collection agency, you may not be entitled to receive any compensation.