NCC Business Services or a different third-party collection agency may have left you feeling panicked more than once. Whether it's a profanity-laced phone call or embarrassing mail, some unscrupulous third-party collection agents have found truly imaginative ways to make consumers uncomfortable.
This isn't the norm, of course, and that's exactly why you should make every attempt that you can to stop it. Getting to know your rights is a good place to start. Then, if you have the ability to do so, hiring an attorney will maximize your chances of success.
Know Your Rights
Thanks to the Fair Debt Collection Practices Act (FDCPA), consumers are protected from many types of aggressive or deceptive actions that third-party collectors may engage in. This includes:
- Calling you before 8 a.m. or after 9 p.m. in your time zone.
- Calling you at work after you've asked the agency not to
- Reporting false information on your credit report
- Discussing your debt with unauthorized parties
That's not all. The FDCPA prohibits many other types of unscrupulous behaviors, and an FDCPA attorney can help you figure out if the behavior you experienced falls under the FDCPA’s umbrella.
Going to Court with NCC Business Services
NCC Business Services will be served notice after you file your claim against it. “Being served notice” refers to when a company receives after a party has filed a claim against it. It comes in two parts: the summons and the complaint.
The complaint will tell the company when to appear in court, and the complaint will explain why the company is being asked to appear.
Make every attempt that you can to make it to court on time. Few things leave a worse taste in a judge's mouth than someone showing up late to court. Remember: you won't go to jail just because you've fallen behind on your bills, and your attorney will do everything possible to advocate for you.
How to Prepare
A successful outcome often comes down to preparation. This starts with the process of gathering evidence. Your attorney will have the best sense of what evidence will be particularly persuasive, so ask about what you should be looking for in your past communications with NCC Business Services.
For example, recorded phone calls and embarrassing mail that you received would be useful to your attorney.
You'll also need to prepare for the questions that you'll be asked. This is where your attorney proves to be a critical asset to your case; having a legal expert on your side means that you'll have someone who has a sense of what NCC Business Services' attorneys may ask you.
This preparation for the questions can soothe your nerves and make it more likely that you'll have a good outcome. The more relaxed you seem in court, the better impression that you'll leave. Preparation promotes relaxation.
Contact an Attorney
You haven't had peace in weeks, or maybe months. You may have forgotten what it feels like. You may not know how to get out of this mess you're in with NCC Business Services.
Fortunately, an FDCPA attorney will. Contact one today.
*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 NCC Business Services or any other third-party collection agency, you may not be entitled to any compensation.