Stop Collections

Going to Court Against Forster Garbus*

It’s easy to feel guilty about being in debt. In fact, the feeling can be so punishing that consumers feel that they need to put up with harassment from third-party collectors.

However, most third-party collectors like Forster Garbus behave scrupulously. This means that if you’ve been experiencing harassment from a third-party collection agency, your experience is an unfortunate outlier.

But more importantly, it’s a situation that you can improve if you’re willing to take Forster Garbus to court.

Know Your Rights

When you’re being harassed, it’s very easy to forget that you have legal options. In fact, there’s a specific federal law that protects you from third-party collectors’ bad behavior.

It’s called the Fair Debt Collection Practices Act (FDCPA), and it prohibits a wide range of aggressive behavior from third-party collectors. Some of these prohibited behaviors include:

  • Impersonating an IRS agent or police officer
  • Threatening you with wage garnishment
  • Leaving you multiple voicemails
  • Discussing the debt with anyone but you, your attorney, and/or your spouse

Of course, this list isn’t exhaustive, and you should bring up any worrisome behavior to an FDCPA attorney. If it feels like harassment, there’s a good chance that it is.

Going to Court with Forster Garbus

When you file a claim against Forster Garbus, the company will receive a notice. The notice contains a summons and a complaint. The summons tells the company where and when to appear in court, and the complaint explains why the company is being asked to appear in court.

Forster Garbus is going to do its best to make a good impression, and so should you. This means showing up to court prepared and on-time.

Plan your travel arrangements so that you’re set to arrive at least 15 minutes before the actual start time. Being late creates a very bad impression in court, so avoid that possibility at all costs.

Third-party collectors often make people feel ashamed of their debt, which makes consumers less likely to seek out help. That mentality is a trap. Contact an experienced FDCPA attorney today, and remember that nobody deserves harassment.
Going to Court Against Forster Garbus*

How to Prepare for Your Appearance

Additionally, make sure that you’re prepared, specifically in regards to evidence and an understanding of the questions you may be asked.

You can start gathering evidence even before you hire an FCPA attorney. If you happened to keep the absurd number of voicemails that a company representative left you or any embarrassing mail sent on the company’s behalf, you can use them in court.

Basically, anything that supports the narrative that you’re being harassed by the company could serve as evidence.

Your lawyer will help with the evidence-gathering process, but your lawyer’s expertise will also be useful when it comes to prepping for the questions Forster Garbus’s attorney may ask you.

Being able to anticipate what the other side may ask won’t just help your case– it’ll help you enter the courtroom with your head held high. That self-assurance has a bigger impact on your case than you might imagine, and preparing for trial with an FDCPA attorney can help you attain it.

An FDCPA Attorney Can Help

Third-party collectors often make people feel ashamed of their debt, which makes consumers less likely to seek out help. That mentality is a trap. Contact an experienced FDCPA attorney today, and remember that nobody deserves harassment.

You’ve been feeling ashamed long enough. No matter how large your debt is, you don’t deserve to be harassed. Your attorney will have the legal expertise it takes to mount a legal case that could finally free you from aggressive collectors. Your wellbeing can’t wait; contact one today.

*Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Forster Garbus or any other third-party collection agency, you may not be entitled to any compensation.

Additional Resources

Is Forster & Garbus Collecting a Debt from You?

Millions of Americans find themselves in debt and have a hard time paying it back. When this happens, major creditors often get representation to sue you for your debt or sell your debt to debt collection agencies and let the agency handle the court case. The Fair Debt Collection Practices Act (FDCPA) was enacted in 1978 and is enforced by the Federal Trade Commission.

The FDCPA has strict guidelines for debt agencies, including how and when they are allowed to contact you. In many cases, collectors will abuse the privilege to contact you by harassing you, deceiving you, or using unfair practices such as garnishing your wages or freezing your bank accounts.

Forster, Garbus & Garbus, LLP is a law firm in New York and New Jersey founded in 1970 and incorporated in 2009. They file thousands of cases every year. Their offices are located in Commack, New York. With a staff of about 100 lawyers and debt collection agents, they represent many major creditors and debt buyers, including Discover Bank, Capital One Back, American Express Bank, and Midland Funding, LLC.

Laws Forster & Garbus is Accused of Breaking

Forster, Garbus & Garbus has been sued over 100 times in the last 20 years.** The firm isn’t accredited with the Better Business Bureau because there are too many complaints filed against them. Allegedly, Forster & Garbus***:

  • Refuses to agree on payment plans
  • Takes money from accounts without approval
  • Harasses consumers
  • Tries to collect debts that were already paid
  • Tries to collect amounts much higher than the original debt
  • Sues and demands repayments from the wrong person
  • Sues past the statute of limitations
  • Tries to secure a false default judgements

What to Do if Forster & Garbus is Trying to Collect a Debt from You

If you don’t want them to contact you, you have the right to submit your request in writing. Make sure to pay extra for a return receipt so you know exactly when the Forster and Garbus received the letter. After, document each and every time the firm calls you, especially if they call after 9:00 p.m. or before 8:00 p.m. The only exceptions are for the firm to let you know that they will stop contacting you or that they will take further action.

Don’t ever ignore court summons from a debt collector. If you don’t show up, the judge will default the case and make a ruling that could involve wage garnishment or a bank levy.

You should contact a lawyer as soon as possible to determine if Forster & Garbus has committed a violation under the FDCPA. You could be entitled to $1,000, plus damages and lawyers’ fees.

**According to Agruss Law Firm

***According to BBB complaints

Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Forster & Garbus or any other third-party collection agency, you may not be entitled to any compensation.