If you have received a letter and/or a phone call from a debt collection agency, you understand how stress and anxiety negatively impacts your life. Imagine how you would feel if the debt collection process reached the last step, which is when a third party debt collector such as Dynamic Recovery Solutions files a lawsuit against you in a civil court.
The legal action can disrupt your life for months on end.
When a bill collector sues you, the best way to fight back is to fight back with a sense or urgency. You cannot ignore a summons to appear in court because if you do, the judge in charge of rendering a decision will side with the debt collection agency. Consumer debts do not go away, except for one circumstance that can change a lawsuit against you into a claim filed against a third party debt collector.
Make Federal Law Work for You
Calm, cool, and collected should be the mindset you have for fighting a lawsuit filed by a bill collector. Far too many consumers feel overly stressed out when it comes time to address a debt collection lawsuit. A” me against the world” attitude will only lead to more legal problems.
If you have received a summons to appear in a civil court to answer a lawsuit filed by a debt collection agency, make sure to first contact a highly rated consumer protection lawyer who thoroughly understands the provisions written into the Fair Debt Collection Practices Act (FDCPA).
Written into law by the United States Congress on September 20, 1977, the FDCPA makes it illegal for third party debt collectors to harass intimidate consumers. A company such as Dynamic Recovery Solutions cannot threaten you with a lawsuit, but the company can file a claim against you in a civil court.
The FDCPA also gives states the legal power to establish statute of limitations for the collection of outstanding credit card and personal loan accounts. An FDCPA attorney will determine whether a bill collector has run out of time in pursuit of a delinquent consumer debt. Most states set statute of limitations for debt collection efforts between two and four years.
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How to Seek Monetary Damages
Once your FDCPA lawyer discovers that a debt collection agency violated the statute of limitations set by your state for debt collection efforts, he or she will determine whether the company willfully ignored the statute of limitations. If a third party debt collector knowingly violated the statute of limitations established by your state, you have the legal right to seek monetary damages.
Going through the debt collection process can trigger physical distress symptoms, which lead to mounting medical bills to diagnose and treat the symptoms. The FDCPA grants consumers the power to recover the costs associated with diagnosing and treating physical duress symptoms.
Never let a bill collector file a lawsuit against you, without first consulting with a consumer protection attorney who has handled numerous FDCPA cases. Most FDCPA lawyers schedule free initial consultations with new client to determine how to proceed with a claim.
Additional Resources
The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Dynamic Recovery Solutions or any other third-party collection agency, you may not be entitled to any compensation.