Having to go to court can be intimidating. TV has made many of us feel anxious and preemptively guilty about the possibility of even entering a courtroom.
If Chase Receivables has been using aggressive or unscrupulous means to collect a debt, you’ll have to go to court to get the company to stop, however you don’t have to go alone.
Know Your Rights
Your first ally is the Fair Debt Collection Practices Act (FDCPA). This federal law was enacted in 1977 to protect consumers from predatory third-party collectors and some of their common unscrupulous collection methods.
These prohibited methods include, but are not limited to:
- Using profane language in communications with you
- Contacting you at work after you’ve asked the company not to
- Calling you before 8 a.m. and after 9 p.m. in your time zone
- Discussing your debt with unauthorized parties
Your second ally– your attorney– will have the best sense of which parts of the FDCPA would be most effective at protecting you. That’s part of the reason why an attorney is so indispensable, both as your counsel and your ally.
Going to Court with Chase Receivables
If your particular situation seems to fall under the purview of the FDCPA, you will likely file a claim against Chase Receivables. At that point, the company will receive a notice, which is made up of a complaint and a summons.
The complaint will explain why the company is being asked to come to court, and the summons will give the details on when the company should appear.
As soon as Chase Receivables receives this notice, you can be sure that it will be taken seriously. You should also take your day in court seriously and do whatever you can to leave a good impression.
The first way to do that is showing up on time, meaning that you should prepare travel arrangements as soon as the court date is set. It’s easy to get nervous and not want to show up on the day-of, but showing up late or not at all will only leave a bad impression that could negatively affect your case.
You won’t go to jail because you’ve fallen behind on your bills, so think of going to court as a way to speak up for yourself.
Preparing for Your Court Appearance
One thing that will also speak for you is the evidence that you and your attorney gather. An example of appropriate evidence would be a voicemail where a third-party collector uses profane language, or a piece of embarrassing mail.
Be open with your attorney about all of your communications with Chase Receivables so that the two of you can look out for the most compelling evidence.
You’ll also have the chance to speak for yourself in court, and your attorney will help you prepare for that by practicing the questions you’ll likely be asked.
This goes a long way towards boosting your confidence in the courtroom while improving your chances of a positive outcome, so take the preparation seriously.
Contact an Attorney
Going into a courtroom doesn’t have to be scary, particularly if you don’t go it alone. By choosing an FDCPA attorney to fight for you, you can walk into court with your head held high.
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 Chase Receivables, or any other party, you may not be entitled to any compensation.