Most third-party collection agencies like American Coradius International LLC don’t give consumers any issues. Many may even make minimal contact with the majority of consumers.
However, sometimes debt collectors can use aggressive measures to get people to pay their debts. If you’ve experienced this, do your best to not panic; you have options.
Filing a claim is one of them.
Know Your Rights
If you think you’ve been experiencing harassment from American Coradius International LLC or a similar agency, you’ll need to familiarize yourself with your rights.
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects you from a wide range of unscrupulous behavior from third-party collectors. These prohibited acts include:
- Discussing your debt with anyone other than you, your spouse, or your attorney
- Calling you before 8 a.m. and after 9 p.m. in your time zone
- Threatening legal action
- Asking you to pay more than you owe for the debt
Since the FDCPA includes a number of prohibited actions, take the time to look over the entire list. Additionally, if you’ve experienced anything like the acts mentioned in the FDCPA, contact an experienced FDCPA attorney as soon as possible.
What Happens When You’re Summoned to Court
If you file a claim against American Coradius International LLC, the company will be served with a notice. That notice contains a summons and a complaint.
The summons tells the company where and when its representatives have to show up, and the complaint explains why the company is being brought to court.
It might feel scary, but you have to go to court, and you must be there on time. You might feel vulnerable, and that’s perfectly normal.
Remember that you won’t go to jail for being unable to pay your bills and that having an attorney on your side will provide a surprising amount of comfort.
How to Prepare
Think back on your interactions with American Coradius International LLC. Have you experienced what might amount as harassment from the company? If so, collect and document any evidence that supports that.
For example, if one of the collectors from the agency threatened you while impersonating law enforcement via voicemail, keep the recording and present it to your attorney.
You should also get ready for the questions you’ll be asked in court. An attorney is particularly useful for this part of the process. Your attorney’s legal experience will allow him or her to anticipate the questions that the other side will ask, and he or she can help you rehearse the appropriate responses.
It’s hard to overstate how helpful this can be since it will give you confidence and a better chance of a positive outcome.
Contact an Attorney
It’s a shame that you’ve had to deal with the stress of harassment from a third-party collection agency. But your attorney will be able to get you through this process as efficiently as possible. He or she will gather evidence, craft a compelling argument, and represent you in court.
But most importantly, your attorney will be the ally you need to get through this trying time.
*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 American Coradius International LLC or any other third-party collection agency, you may not be entitled to any compensation.