You arrive home one day to find a certified letter in the mailbox. Your jaw drops when you read that a debt collection agency has filed a complaint against you to appear in a civil courtroom because you failed to respond to letters and phone calls in regards to a delinquent credit card or personal loan account.
You have 30 days to respond to the complaint summoning you to appear in court. If a member of the civil court had served you the formal complaint in person, you would have just 20 days to respond to the complaint.
Up to this point, you have failed to be proactive in the debt collection process. Now, the time has come to take control of the situation. Failing to respond can lead to a judgment issued by a judge, which can cost you hundreds, if not thousands of dollars.
f you fail to respond to the formal compliant filed by a third party debt collector like Radius Global Solutions, LLC, the judgment issued against you can include language that grants the court the right to garnish your wages, freeze one or more bank accounts, or place a lien on your property.
How to Respond to a Formal Complaint
With your back against the legal wall, you believe you have no viable option to fight a complaint filed against you by Radius Global Solutions, LLC. However, you can even the legal playing field by working with a licensed consumer protection attorney that has compiled an impressive record of winning cases covered by the Fair Debt Collection Practices Act (FDCPA).
Enacted by the United States Congress, the FDCPA outlaws dozens of unethical and overly aggressive debt collection techniques. Under the FDCPA, a bill collector is not allowed to harass you by making phone calls between 9 pm and 8 am.
With your FDCPA lawyer on board, you now have an advocate for your legal rights. Your FDCPA attorney might seek to fight back by filing a counter claim against Radius Global Solutions, LLC for one or more violations of the FDCPA.
If there is not enough evidence to justify a lawsuit, your consumer protection lawyer might opt to negotiate a settlement of the outstanding credit card or the personal loan balance. A debt settlement not only cleans the financial slate with Radius Global Solutions, LLC, it also will help you improve your credit score.
Do You Qualify for Monetary Damages?
In addition to prohibiting harassing debt collection tactics, the FDCPA also gives consumers the right to file a lawsuit seeking monetary damages. Having a bill collector harm you can lead to a large number of negative physical symptoms that hamper your career, as well as the relationships you have with family members. Some of the physical symptoms triggered by illegal debt collection tactics include skin rashes and an acute migraine headache.
The Importance of Speaking to a FDCPA Attorney
Take control of your FDCPA case by scheduling a free initial consultation with an accomplished consumer protection lawyer who specializes in litigating FDCPA cases. The financial stakes are too high for you to ignore a complaint filed against you by Radius Global Solutions, Inc.
*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 Radius Global Solutions, LLC or any other third-party collection agency, you may not be entitled to any compensation.