Does your heart sink upon seeing National Service Bureau’s number on your caller ID? Have you found yourself dreading receiving mail? Have you gotten more paranoid and suspicious on the whole?
If this sounds familiar, you’re probably experiencing harassment from the National Service Bureau (or a similar third-party collection agency). You deserve help, and fortunately, an experienced FDCPA attorney can provide just that.
Know Your Rights
One of the best tools that can protect you from harassment is the Fair Debt Collection Practices Act (FDCPA). The FDCPA is a federal law that is meant to keep third-party collection agencies from using aggressive and/or unscrupulous means to collect debts.
This means that third-party collection agencies aren’t allowed to:
- Discuss your debt with anyone but you, your spouse, and your attorney
- Threaten you with a lawsuit or wage garnishment
- Attempt to collect an old debt
- Use profane language in any communications
- Leave you multiple voicemails
As you might imagine, these aren’t the only actions you’d be protected from. The best way to determine whether the FDCPA can help you is familiarizing yourself with the law and then finding an experienced FDCPA attorney to take on your case.
Going to Court with National Service Bureau
Part of the reason that FDCPA attorneys are so invaluable is that they can help you navigate what can otherwise be a complex process. This is how that process plays out.
Once you’ve filed your claim, National Service Bureau will receive a notice. That notice contains two pieces of information: the complaint and the summons. The complaint states why the company is being brought to court, and the summons tells the company when to appear.
For many people, the next part of the process-- appearing in court-- produces the most anxiety. That’s natural, but don’t allow it to get the best of you.
After being notified regarding when you should appear in court, make every attempt to wear professional clothing and get to court on time. If it helps, remind yourself that you won’t be going to jail just for falling behind on your bills.
Preparing for Your Appearance
Preparedness is often the difference between a successful and unsuccessful court case; in other words, you should take the preparation process seriously, because your outcome depends on it.
First, you’ll prepare by gathering evidence. This will be the job of you and your attorney, and you’ll work together to collect information that shows that National Service Bureau has been harassing you.
For example, this could come in the form of a letter you’ve received that threatens legal action that National Service Bureau cannot or wouldn’t take.
Next, your attorney will help you prepare for the questions you may be asked. Being able to anticipate what the other side will ask you can go a long way toward making you feel comfortable and confident in the courtroom.
It will make the entire day feel more manageable, so take this process seriously and adhere to your attorney’s advice.
Talk to An Attorney Today
Harassment from a third-party collection agency can make all channels of communication sources of anxiety. You don’t deserve that, and an experienced attorney can make that anxiety a thing of the past. Find one today so that you can move forward and look to a more serene future.
*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 National Service Bureau or any other third-party collection agency, you may not be entitled to any compensation.