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What to Do If a Collection Agency Sues You?
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What to Do If Global Collection Agency Sues You*

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Debt collection agencies are highly motivated for one reason.


A third party debt collector such as Global Collection Agency has two options for collecting delinquent consumer debts. The first way involves the original creditor paying Global Collection Agency a commission after recovering the money owed on an outstanding credit card or personal loan balance.

Another way to make money on a consumer debt is to purchase the debt for a fraction of what the consumer owed. Regardless of how Global Collection Agency gets paid, you can expect the bill collector to come after you hard, including the filing of a complaint that summons you to appear in court.

Responding to a Summons to Appear in Court

The worst strategy when you receive a summons to appear in court from Global Collection Agency is to ignore the summons. Debt collection agencies demonstrate how serious they are when they file lawsuits against consumers.

If you fail to appear in court, the judge will probably rule you in default of the outstanding credit card or personal loan debt. A lawsuit default can lead to additional fees being tacked on to the balanced owed on the debt. Expensive fees include interest on the balance, as well as court costs and attorney wages.

With a sense of urgency, you respond to a summons to appear in court by speaking with a licensed consumer protection lawyer. You lawyer will carefully review your case to see if a debt collection agency has violated one of more provisions of the Fair Debt Collection Practices Act (FDCPA).

Enacted by the United States Congress, the FDCPA outlaws a large number of previously acceptable debt collection practices. If your FDCPA attorney discovers one or more violations of the FDCPA, he or she has the right to file a counter claim that puts Global Collection Agency under the legal spotlight.

In addition to filing a claim against a bill collector, your lawyer might seek monetary damages to compensate you for pain and suffering.

What to Do If Global Collection Agency Sues You*

Do You qualify for Monetary Damages?

According to the FDCPA consumers can seek monetary damages for violations of the FDCPA. You can pursue one-time statutory damages that applies to all of the FDCPA violations committed by a debt collection agency.

Another area where your FDCPA lawyer will look is your earnings statements. If he or she can prove the actions of a third party debt collector caused you to lose income, then the monetary damages requested in your FDCPA case will include just compensation for lost wages.

Many bill collectors attempt to win approval of wage garnishment orders to take care of delinquent consumer debts. If you had wages garnished by Global Collection Agency, you can seek to recover the garnished wages by filing a claim against the debt collection agency.

Sometimes, third party debt collectors illegally garnish wages, which can lead to a more substantial financial award issued by the civil judge presiding over your FDCPA case.

Schedule a free initial consultation with a highly rated FDCPA attorney to review every possible legal challenge you have for responding to a lawsuit filed by a bill collector.

Additional Resources

*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 Global Collection Agency or any other third-party collection agency, you may not be entitled to any compensation.

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