You toss a letter sent by Donald R. Conrad, PLC into the trash. A second and a third letter follow, with each letter using increasingly harsh language that includes the threat of wage garnishment and/or the filing of a debt collection lawsuit.
You feel like you have no other option but to give in to the demands made by the debt collection agency.
However, there are plenty of options that include filing a claim against a third party debt collector such as Donald R. Conrad, PLC.
There is no doubt that having a bill collector hound you is the source of excessive stress. Filing a claim against a debt collection agency is also a scary proposition. The good news for consumers is they do not have to fight the good fight against a bill collector alone.
A licensed consumer protection attorney can help stop a debt collection agency from engaging in unlawful debt collection behavior.
The Importance of the Fair Debt Collection Practices Act
Until 1977, consumers had few legal resources to fight back against the aggressive practices implemented by debt collection agencies. In response to growing consumer demands, the United States Congress enacted the landmark Fair Debt Collection Practices Act (FDCPA).
The FDCPA includes a number of powerful provisions that give consumers the legal tools to stop unethical debt collection tactics. For example, a third party debt collector like Donald R. Conrad, PLC must provide you with the name and address of the original creditor, as well as the amount owed on the outstanding credit card or personal loan account.
You have the right to ask for verification of the debt and it verification does not follow your request, the time has come to hire an experienced FDCPA lawyer.
The FDCPA also includes provisions that explain how to respond to the illegal practices used by a bill collector. Debt collection agencies are not allowed to issue threats or use abusive language in attempts to coerce consumers into paying off delinquent debts.
You can demand the illegal debt collection practices stop by sending a formal notice through certified mail. If a third party debt collector hounds you at work by placing nonstop phone calls, you have the right to invoke a clause called “reason to know,” which means your employer forbids phone calls made by bill collectors to employees in the workplace.
How to Prepare a Lawsuit against Donald R. Conrad, PLC
As one of the most important provisions written into the FDCPA, you have the right to file a claim against Donald R. Conrad for violating one or more provisions of the consumer protection law. You should work with an accomplished FDCPA attorney to ensure you receive every right granted by the FDCPA.
Your lawyer might consider negotiating a settlement first, before deciding to file a lawsuit seeking monetary damages for one or more reasons. A consumer protection attorney will maintain highly accurate records that provide the evidence you need to win a FDCPA civil lawsuit.
He or she will also know how to respond to every form of communication sent by Donald R. Conrad, PLC in advance of a civil court hearing.
Will you walk away from a FDCPA lawsuit rich? Probably not, but you will never know unless you speak with a highly rated FDCPA lawyer.
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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 Donald R. Conrad, PLC or any other third-party collection agency, you may not be entitled to any compensation.