What to Do If a Collection Agency Sues You?
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What to Do if Collection Bureau Of Hudson Valley Sues You*
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If you are being sued by Collection Bureau Of Hudson Valley, the best thing that you can do is respond to the lawsuit. You can represent yourself or get help from an attorney that has experience with the Fair Debt Collection Practices Act or the FDCPA.
Getting help from an attorney that has dealt with debt and creditor problems is strongly recommended so that you can get answers to all of your questions. If you don’t respond to the lawsuit at all it is very likely that a judgement will be issued against you.
How to Respond to a Debt Collector lawsuit
Collection Bureau Of Hudson Valley may summon you to court in order to receive payment. If you have paid off your debt you will need to bring all of your payment stubs, receipts, or other types of documentation showing that you made payments to the debt collector to pay off the debt.
If you haven’t yet paid off the debt that you owe you can also respond to the lawsuit by saying that you want to settle the debt. If you do this you can ask the debt collection agency to settle for a fraction of what you owe the original creditor.
While it can be scary to go through this process you could end up paying a lot less than what you owe if you offer to settle the debt at this point. But you should be ready to pay the amount that you offered immediately. Often the debt collector will accept a lower payment but only if it’s made immediately.
Damages You May Be Entitled To
If you believe that Collection Bureau Of Hudson Valley is harassing you by calling you at all hours of the day and night or calling your workplace or being abusive to you on the phone you may be able to file a claim against them for damages.
The FDCPA states that businesses cannot use harassing methods to get repayment for a debt. You may be entitled to damages for:
- Statuary Damages – Harassing consumers if a violation of the FDCPA. If a collection company violates the FDCPA they may have to pay you up to $1000 in statutory damages.
- Emotional Distress – If the constant phone calls and other harassment from a debt collector causes anxiety, depression, or other emotional problems you could receive damages for that.
- Physical Distress – Some people react to stress by getting sick. If you experienced physical symptoms from stress and anxiety you may be entitled to damages for those symptoms.
- Lost Wages – If you had to take time off of work to deal with the harassment by the debt collector or if you missed work because of stress and anxiety you might be able to get damages to make up for your lost wages.
Talk to an Attorney Today
If a debt collector threatens you with a lawsuit the first thing you should do is call an attorney that has experience with the FDCPA. Every situation is unique and talking one on one with attorney about the specifics of your situation is the best way to get practical advice.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Collection Bureau Of Hudson Valley or any other third-party collection agency, you may not be entitled to any compensation.