You can ignore a letter sent from a debt collection agency, and you can erase every phone message left by the same company. However, you should know that a third party debt collector like Waypoint Resources Group, LLC will not give up when it comes to making you pay off a delinquent credit card or personal loan balance.
The money involved is too much for a bill collector to ignore. Companies can receive lucrative commissions for chasing down consumer debts, or they can purchase outstanding consumer debts for a fraction of what was originally owed.
If you refuse to pay off a credit card or a personal loan account, a bill collector can sue you in a civil court to recover the entire amount owed on the debt. Ignoring a summons to appear in court will lead to the judge presiding over the lawsuit to issues a ruling that is favorable to the debt collection agency.
Not only are you on the legal hook for paying off the personal debt, a third party debt collector might ask the judge for a wage garnishment order to recover the amount owed on a credit card or a personal loan balance.
How to Respond When Waypoint Resource Group, LLC Sues You
Doing nothing is not an option when dealing with a lawsuit filed by a debt collection agency. Instead, you need to something, and do it fast. Contacting an experienced consumer protection law attorney is the right first step.
A state licensed lawyer who specializes in handling cases involving the Fair Debt Collection Practices Act (FDCPA) can help you win a case involving a lawsuit filed by a company such as Waypoint Resource Group, LLC.
Your FDCPA lawyer will conduct a thorough review of your case to determine whether a debt collection agency violated one or more provisions of the FDCPA. According to the FDCPA, a third party debt collector is not allowed to threaten you in any way.
The company cannot threaten to seize your property, nor can it threaten to contact a third party regarding your debt. In addition, the FDCPA prohibits bill collectors from using deception to trick consumers into paying off personal debts.
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Seeking Monetary Damages for FDCPA Violations
The FDCPA grants consumers the right to seek monetary damages for one or more violations of the federal consumer protection law. Your attorney will try to find a way to win statutory damages, which cover every violation of the FDCPA that was committed by the same company.
The FDCPA caps the amount awarded for statutory damages at $1,000. You also have the right to seek actual damages, which are associated with the cost of diagnosing and treating physical and/or emotional duress symptoms.
Work with an FDCPA Lawyer
Although lawsuits involve plenty of unknowns, one thing is certain: A third party debt collector like Waypoint Resource Group, LLC will have a team of persuasive attorneys at every lawsuit hearing. You need to counter the legal strength demonstrated by a bill collector by working with a state licensed FDCPA attorney. Your lawyer will collect the evidence required to present a compelling case.
Schedule a free initial consultation today with an experienced FDCPA attorney.
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 Waypoint Resource Group, LLC or any other third-party collection agency, you may not be entitled to any compensation.