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What to Do If a Collection Agency Sues You?
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What To Do If Medicredit Sues You*

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Medicredit is a collection agency that works closely with healthcare companies. If you have an outstanding medical debt, they might contact you. If Medicredit files a lawsuit against you for a past-due debt, you should respond to their allegations.

You could get help from an FDCPA attorney throughout this process. You will need to carefully read the lawsuit and see when the deadline to respond is, so you don’t wait too long.

If you don’t respond to the lawsuit filed by Medicredit, the court will assume that the allegations are true and will award the collection agency a judgment against you.

How To Respond To A Lawsuit From Medicredit

If a past-due medical debt has caused Medicredit to summons you to court, you don’t have to assume their information is correct. Ask them for documentation to support their claim, and you need to gather evidence for your defense.

If you think that you paid the debt in full, gather up proof of payment and supporting documentation to show the court. If you are willing to acknowledge that you do owe the debt, you should respond to Medicredit and ask them to negotiate a settlement agreement with you.

You can often settle for pennies on the dollar to get the issue resolved.

What To Do If Medicredit Sues You*

Damages You Could Receive From Medicredit

If Medicredit’s debt collection practices have led to harassment and losses for you, you can recover compensation from them for their FDCPA violations. Several different losses might result from the legal violations. Here are some damages that you might be able to claim against Medicredit:

  • Physical distress – The harassment from a debt collector, such as Medicredit, could lead to physical distress. Depending on your personality and health, you might incur stress-induced heart problems, problems with blood pressure, muscle pains and aches, rashes or skin lesions, migraines, and tension headaches.
  • Emotional distress – You could suffer emotionally and mentally from the harassment that you experience from Medicredit. Your relationships could suffer. You might have mental anguish, have sleep disturbances, or suffer from depression, anxiety, and panic attacks.
  • Lost wages – Sometimes the collection agency’s harassment gets out of control and they call you at work. If you suffer loss of productivity, work disturbances, or missed work and these things lead to lost wages, you can recover compensation to cover those lost paychecks.
  • Recovery of wage garnishment – If Medicredit’s FDCPA violation caused garnishment of your wages, the illegally garnished wages can be recovered by the court.
  • Statutory damages – The court can award you $1,000 from Medicredit if you can prove the FDCPA was violated, if you didn’t suffer physical or emotional distress.
  • Attorneys’ fees – When there is proof of an FDCPA violation, the court could order Medicredit to pay attorney’s fees and court costs.

You can also receive injunctive relief. Besides being awarded monetary damages, the court can order Medicredit to stop calling your home, employer, friends, and anyone else in attempts to collect your debt. Medicredit could then no longer send you any written communication at that point either.

Talk To An FDCPA Attorney Today

If Medicredit is threatening to sue you over a past-due debt, you should schedule a consultation with an FDCPA lawyer in your area to determine the best way to handle your case with the collection agency.

Additional Resources

*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 Medicredit or any other third-party collection agency, you may not be entitled to receive any compensation.

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