You received letters and frequent phone calls from an original creditor like MasterCard. You ignored every form of correspondence and eventually, the letters and phone calls stopped. It looked like your ignoring the debt problem strategy worked out.
That is, until a debt collection agency such as Synerprise Consulting Services, Inc. took over the debt collection effort.
Third party debt collectors have two ways to work with original creditors. The first way involves collecting outstanding consumer debts and receiving a cut of the action for successfully closing out credit card and personal loan accounts.
The second way bill collectors operate is to purchase debts from original creditors for a percentage of the entire debts. In both cases, debt collection agencies frequently resort to aggressive debt collection tactics, many of which violate provisions written into a landmark consumer protection law.
How to Fight Back against Synerprise Consulting Services, Inc.
In response to growing consumer pressure, the United States Congress passed the Fair Debt Collection Practices Act (FDCPA). The federal consumer protection law includes a number of provisions that outlaw specific debt collection agency practices.
A third party debt collector is not allowed to deceive you into paying off a delinquent credit card or personal loan balance. Deception can come in the form of claiming you owe more money than you actually are obligated to pay off.
Another underhanded third party debt collector scheme involves getting one or more relatives involved in the debt collection process.
The FDCPA grants consumers the right to fight back against illegal debt collection practices. Your best option for pushing back against Synerprise Consulting Services, Inc. is to work with a licensed consumer protection attorney.
Your lawyer will immediately ask the bill collector to confirm the existence of the debt by supplying information like the name and address of the original creditor, as well as the amount owed and the payment history on the account.
If Synerprise Consulting Services, Inc. cannot verify the existence of the debt in question and the company continues to harass you, your FDCPA attorney has several options to make the illegal behavior stop. A formal notice requesting the bill collector cease and desist is an option, as is filing a claim in a civil court.
Preparing a Claim to File in Civil Court
First, you have to hire an experienced lawyer to handle your FDCPA lawsuit. An accomplished consumer protection attorney submits paperwork before every court ordered deadline.
If you try to cut corners in your case by filing legal paperwork yourself, you run the risk of missing a deadline and hence, putting your case in jeopardy of being tossed out.
Your attorney will collect all the documentation you have compiled, with an emphasis of submitting medical records to prove a third party debt collector caused you physical distress.
Another important element of a FDCPA claim is to depose the bill collector that crossed the legal line by violating one or more provisions of the FDCPA. Moreover, your legal counsel might file complaints with the appropriate government agencies to prevent Synerprise Consulting Services, Inc. from ever implementing illegal debt collection practices again.
Speak with a consumer protection lawyer to learn more about how the FDCPA grants you the right to file a claim against a debt collection agency.
*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.