When you’re being harassed by a third-party collector such as Medcah, it can be hard to know who to turn to. The shame surrounding debt in the U.S. makes it so that it’s difficult to reach out to family and friends. But no matter what, an ally is out there. An attorney can help the harassment end.
Know Your Rights
One of the best tools that you have against unscrupulous third-party collectors is the Fair Debt Collection Practices Act (FDCPA). This federal law protects citizens from aggressive behavior from third-party collectors, including:
- Using profane language in communications
- Threatening you with legal action that they cannot take
- Leaving you multiple voicemails
- Calling you at work after you’ve asked them not to
The FDCPA is a robust law that covers many different types of behavior, which means that the best way to determine whether you should file a claim is to consult someone who is very familiar with the law.
An experienced FDCPA attorney will be able to help you with this and support you when you decide to file.
Going to Court with Medcah
The process is fairly straightforward once you’ve decided to file the claim. After you’ve filed the claim, Medcah will receive a notice, which contains a complaint and a summons.
The complaint lays out why the company is being called to court, and the summons tells the company when its representatives need to show up to court.
Medcah will not be taking this lightly, and neither should you. Do everything you can to make a good impression; dress professionally, and make sure that you get to court on time. It’s easy to get flustered and anxious as your court date approaches, but if it helps, remind yourself that you won’t go to jail just because you can’t pay your bills.
Preparing for Court
Your lawyer will be indispensable when it comes to preparing you for court. In the initial stages, your lawyer will help with gathering evidence. This is where you can really help your case; think back to your interactions with Medcah, and look for hard evidence that proves some of their worst behavior.
A recorded phone call where a representative used foul language would serve as effective proof. Your lawyer can take that evidence and use it to build a convincing narrative about your case.
Perhaps just as importantly, your lawyer will help you prepare for questioning. Medcah’s attorney will attempt to keep you on your toes, but your lawyer’s preparation will make it so that you feel relaxed and ready for most questions Medcah’s side will throw at you.
This makes the time in court easier to face, and it will also fortify the good impression you need to make in court.
*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 Medcah or any other third-party collection agency, you may not be entitled to any compensation.