Walking outside on most days is an exercise in habit, that is, until you encounter someone who is holding a manilla folder in his or her hands. Inside the manilla folder is a summons to appear in court that requires you to answer a lawsuit filed by a debt collection agency.
Ignoring the summons will lead to a judgment issued by a civil court judge that awards the third party debt collector the entire amount owed on an outstanding consumer debt. Not only will you have to pay off the entire debt, you will also have to take care of the late fees and interest charges associated with the delinquent credit card or personal loan account.
Legal judgments give bill collectors plenty of power to make sure you follow through with paying off delinquent personal debts. A company such as Constar Financial Services, LLC has the right to garnish your wages, as well a take money from one or more of your bank accounts. In cases that involve a substantial amount of money, a bill collector might place a lien on your home to liquidate the value of it into cash.
If you received a summons to appear in court for responding to a lawsuit, you should be proactive and work with an experienced attorney who specializes in litigating cases involving a landmark federal consumer protection law.
Make a Federal Consumer Protection Law Work for You
Before 1977, consumers had little, if any legal power to fight back against debt collection agencies. With the passage of the Fair Debt Collection Practices Act (FDCPA), consumers gained equal ground with third party debt collectors. Companies responsible for collecting outstanding consumer debts can no longer harass or intimidate consumers. The FDCPA also bans deceptive debt collection practices.
You do not have to raise your hands in surrender when a bill collector sues you. In fact, you might be able to turn the legal tables by filing a claim against the debt collection agency. A company like Constar Financial Services, LLC cannot harass you by making frequent phone calls at odd hours of the day.
The FDCPA clearly prohibits companies from calling consumers between the hours of 9pm and 8am. If a third party debt collector violated one or more provisions of the FDCPA, you might have a strong enough case to file a claim against the company.
How to Seek Monetary Damages
When you file a claim against a bill collector, you want to do more than simply get the company off your back. The FDCPA grants consumers the power to file claims against debt collection agencies that seek monetary damages. Going through the lawsuit process can produce serious emotional side effects.
Constant stress and anxiety cause you to develop stark mood changes that adversely impact both your personal and professional lives. A persuasive consumer protection lawyer will obtain medical documentation that proves emotional distress symptoms have disrupted your life. Your FDCPA attorney will also call to the stand mental health experts that link your emotional distress symptoms to the illegal tactics used by a bill collector.
Schedule a free initial consultation with a highly rated FDCPA lawyer.
*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 Constar Financial Services, LLC or any other third-party collection agency, you may not be entitled to any compensation.