What to Do If a Collection Agency Sues You?
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What to Do If DCM Services Sues You*
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If you are being sued by DCM Services over a past-due debt, you need to respond to the lawsuit. Consult with an FDCPA attorney because the entire lawsuit must be read in detail. If you fail to respond, the court will assume that DCM’s complaint is accurate and will award them a judgment.
How To Respond To A Lawsuit From DCMS
If DCM Services is collecting the debt of a relative, then you most likely aren’t responsible. However, you could have proof that the debt was paid by your relative. Gather up documentation to show any payments that were made.
An FDCPA attorney can show that they are collecting from you illegally, if you have no responsibility for the debt. If you believe you have some responsibility for the debt, you can negotiate with DCM to settle the account for less than the face value. That would save you time and money.
The only way you might want to do that is if it is a secured debt and you might want to keep the property.
Damages You Could Receive From DCM
Your FDCPA attorney will help you prove that DCM Services violated the FDCPA. You can recover compensation for the damages that DCMS caused by harassing you and trying to collect this debt illegally.
Here are a few of the damages that you might be able to claim:
- Lost wages – If DCM Services harasses you so much that you have reduced productivity or missed work because of physical and emotional distress, you can ask to be compensated for your lost wages.
- Recovery of wage garnishment – If DCM Services violated the FDCPA to get a court order to garnish your wages, you can recover those wages.
- Legal fees – If the FDCPA was violated, you can make DCM Services pay your lawyer’s fees and any court costs.
- Physical distress – Repeated harassment can lead to physical distress. Severe physical symptoms, such as migraines, tension headaches, depression, sleep problems, anxiety, panic attacks, and depression can result. You can claim these damages.
- Emotional distress – You could be the victim of emotional distress because of the harassment.
- Statutory damages – If you are not able to recover other damages and you can show that DCM Services violated the FDCPA, you can recoup as much as $1,000 for statutory damages.
- Injunctive relief – The court can order DCMS to stop contacting you, your family and employer by phone and by written correspondence.
Talk To An FDCPA Attorney Today
If you are being threatened with a lawsuit from DCM, you should consult with an FDCPA attorney who practices in your state. With the help of an attorney, you can put unscrupulous debt collectors in their place.
*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 DCM Services or any other third-party collection agency, you may not be entitled to receive any compensation.