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What to Do If a Collection Agency Sues You?
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What to Do If Scott & Associates Sues You*

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Scott & Associates is a legal recoveries law firm that serves multiple states. Founded in 1985, the debt collector serves state, local, and national financial entities throughout the southeastern United States.

If Scott & Associates has filed a lawsuit against you, you should provide a response to the allegation. Read the lawsuit entirely and then respond by the specified due date. If you don’t respond, the court will assume what Scott & Associates allege is accurate and they will be awarded a judgment against you.

An attorney who handles FDCPA cases in your state can help you with this matter.

How to Respond to A Lawsuit From Scott & Associates

If you don’t agree with the details that Scott & Associates has supplied in the lawsuit, you can dispute them. Gather up evidence and documentation that show you have made payments toward the debt, or that you don’t owe the debt.

If you do owe the debt you can contact Scott & Associates and attempt to settle it. When you settle a debt, you can resolve it by paying much less than the face value of it and that will save you time and money.

What to Do If Scott & Associates Sues You*

Damages You Could Receive from Scott & Associates

If with your FDCPA attorney’s help you can show that Scott & Associates violated the FDCPA, you can file your own complaint and recoup compensation for your damages that they caused you during the debt collection process.

There are various damages that you might suffer because of the actions and harassment of the debt collector, so here are some damages that you might be able to claim from Scott & Associates:

  • Statutory damages –If you can prove the FDCPA was violated by Scott & Associates, you can recover up to $1,000.
  • Physical distress – If harassment from Scott & Associates causes you to suffer physical distress, such as migraines, sleep disturbances, anxiety, rashes, stress-induced heart problems, depression, or high blood pressure, you can ask to be compensated.
  • Emotional distress – You could suffer emotionally from the harassment of the debt collector. You can ask for compensation based on those damages, too.
  • Lost wages – If Scott & Associates results in you losing wages because of decreased productivity or physical and emotional distress, you can ask to be compensated for those lost wages.
  • Recovery of wage garnishment – If by an FDCPA violation, Scott & Associates garnished your earned wages, you can recover those garnished wages.
  • Legal fees – When it is proven that Scott & Associates had a FDCPA violation, they can be held responsible for court costs and your attorney’s fees.

There is also injunctive relief available. This will require that Scott & Associates no longer have written contact or phone contact with you, your employer, your family, or any other associates regarding your debt.

Talk to An FDCPA Attorney Today

If you are being threatened with a lawsuit by Scott & Associates, consult with an FDCPA attorney in your state who can help you decide the best way to proceed.

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 Scott & Associates or any other third-party collection agency, you may not be entitled to receive any compensation.

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