NCB Management Services or another third-party collection agency has been harassing you, and you aren’t sure what to do. The shame is tough enough to deal with, but the anxiety is just unbearable.
The panic may have left you frozen, but you can get help. A qualified attorney can help you understand and manage this situation by filing a claim.
Moreover, he or she can do the legal legwork required to help you regain your peace of mind.
Know Your Rights
Sometimes, it can feel like third-party collectors such as NCB Management Services can do as they please. But the Fair Debt Collection Practices Act (FDCPA) keeps them from engaging in the following acts:
- Threatening to seize your property and/or garnishing your wages
- Making your phone ring repeatedly
- Contacting you after you’ve sent the debt collection company written communication asking it not to
- Taking money out of your bank account without your consent
None of these are acts are acceptable or legal. Moreover, if you’ve been on the receiving end of this behavior (or anything similar, for that matter), you should contact an FDCPA attorney immediately.
No third-party collection agency should be taking advantage of you like this, and a good attorney can put an end to it.
Going to Court With NCB Management Services
NCB Management Services will receive an initial notice when you file a claim against the company. That initial notice contains a summons and a complaint.
The summons explains where and when to show up in court, and the complaint states what NCB Management Services is being accused of.
You also have to show up to court on time. It’ll be tempting not to show up; the prospect of going to a courtroom can be terrifying for most people.
But it will only reflect badly on you if you choose not to go to court at the appointed time. To relieve some of your fear and increase your chances of a positive outcome for your court appearance, talk to an attorney about your next steps.
Preparing for the Court Appearance
Those next steps will probably involve gathering evidence. Your attorney will be in a great position to help you with this, but you can start the process on your own.
Any evidence that shows wrongdoing on the part of the third-party collection agency could qualify as evidence for your case.
For example, you could use a recording of an aggressive phone call or a piece of written communication that you received after asking not to hear from the agency again.
Additionally, your attorney can help you anticipate what the opposing side might ask you in court. This is a crucial part of preparing for that day because it will put you at ease and make you appear more confident.
This can make a difference in the outcome of your case, and every variable matters if you’re aiming to walk out of this victoriously.
Work with an FDCPA Attorney
Having an attorney to guide you will leave you free to focus on your life outside of this court appearance. That attorney will be able to collect evidence of creditor harassment and mount a defense for you so that you can move away from this episode.
If you have an attorney helping you, there’s an advocate fighting for you, there’s hope to capitalize on, and there’s a positive outcome within reach.
*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 NCB Management Services or any other third-party collection agency, you may not be entitled to any compensation.