When you’re being called by third-party collectors like Immediate Credit Recovery around the clock, you start to wonder if you deserve it. Nobody else around you is being harassed like this, and you start to question if this is okay.
No matter how large your debt is, harassment is never okay. Shame is a toxic element of debt collection, and it’s one that third-party collectors often use to their advantage. Don’t fall into this trap. Keep your head held high, and get help from an experienced FDCPA attorney.
Know Your Rights
The Fair Debt Collection Practices Act (FDCPA) prohibits aggressive and/or abusive behavior from third-party collectors while they’re collecting on a debt. For example, third-party collectors cannot:
- Send you embarrassing mail that clearly states that it’s from a debt collector
- Call you at work after you’ve asked them not to
- Leave you multiple voicemails
- Use profane or threatening language in your communications
If the actions that you’ve experienced don’t fall into the aforementioned examples, don’t worry-- just consult an attorney to determine if you have a case or not. The FDCPA covers a wide range of behavior, which means that you’ll want an experienced lawyer on your side to navigate the process.
Going to Court With Immediate Credit Recovery
Once you’ve filed the claim, Immediate Credit Recovery will receive a notice. The notice is going to tell the company where to appear in court and why the company is being called in. Those parts of the notice are called the summons and the complaint, respectively.
When you are supposed to be in court, make plans to get there early. This will leave you a cushion for unexpected traffic or other roadblocks. Being late to court will damage your case more than you’d expect, so make every attempt to get there on time.
If you feel the onset of cold feet, remember that no matter what, you won’t go to jail for not paying your bills. If you have an attorney on your side, you can rest easy.
Preparing for Court
You can rest easier with an attorney because you have a well-educated advocate that will help you navigate the process. For example, your attorney will tell you what evidence will help your case and work with you on gathering it.
A piece of evidence could be your name published on a “bad debt” list or a recording of a profanity-laced phone call, and your attorney will use it to bolster your case.
Your attorney will also help you prepare for the questions that you’ll be asked. By anticipating what kind of questions Immediate Credit Recovery will ask, you’ll have a better handle on your case, and in turn, you’ll be more comfortable.
That comfort-- particularly when it’s visible to the judge-- can go a long way towards helping your case.
Contact an FDCPA Attorney
You don’t deserve harassment. You don’t deserve aggression. You deserve someone who will defend you from mistreatment. An experienced FDCPA attorney can do just that. With your attorney’s help, you’ll remember that you deserve to be treated with respect.
*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 Immediate Credit Recovery or any other third-party collection agency, you may not be entitled to any compensation.