There is one saying in life that has special meaning for the debt collection industry: “Ignoring the problem won’t make it go away.”
Ignoring the letters sent by a debt collection agency leads to phone calls made by the company to you at home and at work. Ignoring the phone calls made by a third party debt collector forces the company to file a complaint against you in a civil court.
Ignoring a formal complaint that summons you to appear in court will eventually prompt a judge to issue a judgment against you. The key to avoid the costly judgment phase of a debt collection proceeding is to act with a sense of urgency.
Responding to a Complaint Filed by Synerprise Consulting Services, Inc.
Receiving a judgment means you will be on the hook for the entire amount of money owed on an outstanding credit card or a personal loan account. In addition to paying the balance on a debt, you can also expect to pay costly interest charges, as well as court costs and attorney fees. Once it is issued by a judge presiding over the lawsuit, a judgment cannot be changed or removed from the judicial docket. In other words, you have to respond quickly to the formal complaint within a period stated by federal law.
Your priority should be to contact a licensed consumer protection lawyer who specializes in handling cases involving the Fair Debt Collection Practices Act (FDCPA). Passed by the United States Congress on September 20, 1977, the FDCPA prohibits a long list of previously legal debt collection tactics.
For example, the FDCPA makes it illegal for third party debt collectors to verbally abuse consumers over the phone. Your FDCPA attorney will perform an extensive investigation of your case to determine the best course of legal action.
One option for your FDCPA attorney is to file a counter claim against Synerprise Consulting Services, Inc. for one or more violations of the landmark federal consumer protection law. The counter claim can include a section demanding just compensation for the pain and suffering caused by FDCPA violations.
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Seeking Just Compensation for FDCPA Violations
The FDCPA allows consumers to seek two types of just compensation: Statutory and monetary damages. Statutory damages represent the punishment handed down by a civil court judge for every violation of the FDCPA. Federal law caps statutory damages at $1,000, with the option for consumers to seek just compensation for attorney fees.
During the FDCPA lawsuit process, lawyer fees can run into the thousands of dollars because of the time it takes to complete the judicial proceeding. The FDCPA also grants consumers the right to seek injunctive relief, which requires a bill collector to refrain from making any further contact with you. Your FDCPA attorney might opt to pursue monetary damages for the pain and suffering caused by physical and/or emotional distress symptoms.
Speak with a FDCPA Lawyer Today
Since you have a short amount of time for responding to a complaint filed by a debt collection agency such as Synerprise Consulting Services, Inc. it is extremely important to reach out to an experienced FDCPA attorney to meet the deadlines mandated by federal law.
Schedule a free initial consultation today to learn more about how the FDCPA protects you against overly aggressive debt collection practices.
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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 Synerprise Consulting Services, Inc. or any other third-party collection agency, you may not be entitled to any compensation.