Skip to content
What to Do If a Collection Agency Sues You?
Free Legal Help

What to Do If IMC Credit Services, LLC. Sues You*

Stop the

You have legal rights. We can help.


Being on the wrong end of a lawsuit filed by a debt collection agency such as IMC Credit Services, LLC. is not the end of the world. If you play your legal cards right, the lawsuit can be the start of a professional relationship with a licensed consumer protection attorney.

Third party debt collectors typically file lawsuits after every other legal option has been explored for a debt collection case. You have to respond to a summons to appear in court to either challenge the lawsuit or to accept the terms of a lawsuit as proposed by the bill collector.

Failure to respond to a lawsuit summons can result in the judge presiding over the civil case to declare you in default of the lawsuit. A default ruling will add a considerable amount of money to the money you already owe on an outstanding credit card or personal loan account.

How an Attorney Can Help You Respond

A lawsuit filed by a debt collection agency demonstrates the company is serious about recovering at least most of the money you owe on a credit card or personal loan account.

You have to be just as serious about the lawsuit by working with an accomplished consumer protection lawyer that has litigated numerous cases involving the Fair Debt Collection Practices Act (FDCPA).

Enacted by the United States Congress on September20, 1977, the FDCPA outlaws dozens of previously acceptable debt collection practices, such as using deception to trick consumers into paying off delinquent debts.

The FDCPA also approves a number of legal remedies that help resolve debt collection cases. One legal remedy approved by the FDCPA involves settling a debt you have with a third party debt collector. Writing a debt settlement letter requires the legal expertise of a FDCPA lawyer.

He or she will use neutral language that clearly explains why you can afford to pay off only a fraction of the total amount due. Your debt settlement letter must be persuasive, as well as clearly present achievable payment terms that can last a few months or several years.

What to Do If IMC Credit Services, LLC. Sues You*

Seek Monetary Damages for FDCPA Violations

In addition to outlawing many debt collection practices, the FDCPA also includes a section that gives consumers the right to seek monetary damages for the pain and suffering endured by dealing with overly aggressive debt collection efforts.

In addition to monetary damages for suffering from physical and/or emotional duress, the FDCPA also permits consumers to recover money lost from wage garnishment. Some bill collectors illegally garnish consumer wages, without first getting the approval of a judge.

If you lost wages because of an illegal garnishment, you can seek monetary damages to recover all of the money garnished, as well as for any physical and/or emotional issues that were caused by the illegal wage garnishments. You can seek just compensation to take care of costly attorney fees as well.

Be proactive when it comes to addressing a lawsuit filed by IMC Credit Services, LLC. Contact an accomplished FDCPA attorney today to schedule a free initial consultation that will create the legal blueprint for your fight against the third party debt collector.

*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 IMC Credit Services, LLC. or any other third-party collection agency, you may not be entitled to any compensation.

Additional Resources

Free Case Evaluation

    1. Please fill out your contact information:

    2. Has a debt collection done any of the following:

    By submitting above, I agree to the privacy policy and disclaimer and consent to be contacted by an agent via phone call or text message at the phone number(s) listed above, including wireless number(s). Calls may be auto-dialed/pre-recorded. Consent is not required to utilize our services.