When the harassment started, you may have felt shell-shocked by the profanity and the incessant calling. But as time went on, you merely felt frozen in shame and fear. You had no idea where to turn.
If Delta Outsource Group or similar third-party collection agency has been harassing you, the law is on your side, and you have allies to turn to: FDCPA attorneys.
Know Your Rights
The Fair Debt Collection Practices Act (FDCPA) is a law that protects consumers like you from aggressive third-party collectors. The law prohibits third-party collectors from engaging in harassment and/or unscrupulous collection methods, including:
- Using profane language or threats in communication
- Contacting unauthorized third parties about your debt
- Calling you before 8 a.m. and after 9 p.m. in your time zone
- Trying to collect more than you owe
This isn’t the exhaustive list of prohibited behaviors, so don’t worry if what you’ve experienced isn’t one of the aforementioned behaviors. The best way to determine how to move forward is to contact an FDCPA attorney.
Your attorney will figure out if the harassment you’ve experienced falls under the FDCPA purview, which will allow you to proceed from there.
Going to Court with Delta Outsource Group
If you and your attorney have chosen to move forward with your claim, Delta Outsource Group will be served with a notice, which contains two parts: the complaint and the summons.
The complaint is the explanation for why Delta Outsource Group is being called into court, and the summons tells the company when to come into court.*
Once Delta Outsource Group has been served notice, the company will immediately start preparing for its court appearance. So should you. This starts with securing transportation that will get you to court on time (if not early).
Showing up to court late can leave a negative impression that will affect your case’s outcome; don’t try the judge’s patience. You won’t be imprisoned for falling behind on your bills, so go into court with confidence.
Preparing for Your Court Appearance
As you might expect, a court appearance requires more than just showing up; it requires careful preparation from you and your attorney. The first step of this preparation is collecting evidence.
Think back to all of your interactions with Delta Outsource Group and try to remember when you were harassed and how. Was it through voicemails? Phone calls? Mail? Collect evidence of those interactions and hand them over to your attorney. These will form the backbone of your case.
After that, your attorney will help you prepare for questioning from Delta Outsource Group’s attorneys. This preparation can help you feel much more confident when you show up to court, which can help increase your chances of a positive outcome.
If you work hard with your attorney, there should be no surprises when you make your court appearance.
Talk to an Attorney
Third-party collection agencies shouldn’t rule your life, especially when you have a way to get the harassment to end. Contact an FDCPA attorney as soon as possible. You’ve been suffering long enough.
*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 Delta Outsource Group, or any other party, you may not be entitled to any compensation.