Does a debt collection agency such as National Credit Adjusters call you repeatedly at work? Have you endured threats of asset seizure to pay off the balance on a credit card or a personal loan account?
Do you lie awake at night wondering when National Credit Adjusters will file a lawsuit against you? Dealing with a third party debt collector can trigger considerable stress and anxiety. The most effective way to alleviate your stress and anxiety is by invoking one or more provisions of a monumental consumer protection law.
Passed by the United States Congress on September 20, 1977, the Fair Debt Collection Practices Act (FDCPA) makes it illegal for bill collectors to engage in dozens of previously acceptable debt collection practices.
The FDCPA also provides consumers with a way to receive just compensation for the pain and suffering caused by violations of the federal consumer protection law.
You Need to Have a Valid Claim
Judges presiding over civil court proceedings that involve the FDCPA want the plaintiffs to present compelling evidence. The presentation of more than enough evidence validates a claim filed against National Credit Adjusters.
You have a valid claim if the bill collector violated one or more provisions of the FDCPA, such as the provision that prohibits the use of threats to coerce consumers into paying off debts.
National Credit Adjusters cannot threaten you with bodily harm. Although the practice seems outdated, it is not out of the question for a desperate debt collection agency to use the threat of force for motivating consumers into taking action.
A third party debt collector cannot threaten to file a lawsuit against you, although the company is within the law to file the paperwork required to initiate a lawsuit. Another common threat issued by a bill collector is a threat to contact a professional colleague regarding your debt.
Seeking Actual Damages
The FDCPA allows consumers to seek two types of damages: Statutory and actual. Statutory damages are awarded for all violations of the FDCPA. Your FDCPA lawyer might present enough evidence linking National Credit Adjusters to illicit debt collection tactics.
Statutory damages are capped at $1,000, but the FDCPA does not place a limit on the amount of money awarded for actual damages.
Actual damages represent compensation for suffering from physical and/or emotional distress. Overly aggressive debt collection techniques can cause you to suffer from intense migraine headaches and/or a rise in blood pressure that leads to constant fatigue.
Whatever the physical symptoms, your FDCPA attorney will have to present convincing evidence that links your physical duress symptoms with the illegal tactics implemented by a debt collection agency.
Work with an FDCPA Lawyer
Filing a claim against National Credit Adjusters requires the help of an experienced FDCPA attorney. Your lawyer will file all the proper paperwork before each deadline, as well as conduct interviews with witnesses that will bolster your claim. Having an FDCPA lawyer by your side also lets National Credit Adjusters know you plan to take your claim seriously.
*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 Credit Adjusters or any other third-party collection agency, you may not be entitled to any compensation.