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What to Do If a Collection Agency Sues You?
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What to Do If Vital Recovery Services Sues You

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You have heard the sales pitch: “Act now or lose out on this incredible offer.” If you receive a complaint filed by a debt collection agency that summons you to appear in court, you have to “Act now or lose out on a lot of money.”

Whenever a third party debt collector has reached near the end of the options used to collect delinquent credit card and personal loan balances, the company has one more option left. It is called filing a lawsuit seeking the entire amount of money you owe on a consumer debt.

If you fail to respond to a complaint filed by Vital Recovery Services, you can expect the judge overseeing the case to issue a judgment against you. The judgment will require you to pay off the debt in question, as well as the financially burdensome interest charges that have grown considerably over the years.

Responding to a Lawsuit File in Civil Court

How to respond to a lawsuit filed by Vital Recovery Services is more about speed than it is about knowing how to proceed. The first task on your to do list involves consulting with a licensed consumer protection lawyer that has gained years of experience litigating cases under the Fair Debt Collection Practices Act (FDCPA). According to the FDCPA, a bill collector is not allowed to use deception when collecting a consumer debt. Deception can include impersonating an IRS agent or a law enforcement officer.

If your FDCPA lawyer discovers one or more violations of the groundbreaking consumer protection law, he or she might decide to file a counter claim against Vital Recovery Services. Other legal options for responding to a complaint filed by a debt collection agency is to invoke your state’s statute of limitations for the collection of outstanding consumer debts.

Most states have statute of limitations for debt collections that run anywhere from one to five years. The clock typically begins ticking on the statute of limitations on the last day the account in question was active.

What to Do If Vital Recovery Services Sues You

Seeking Monetary Damages for FDCPA Violations

Many third party debt collectors file lawsuits against consumers even if the companies are aware they have violated one or more provisions of the FDCPA. The federal consumer protection law gives you the right to seek just compensation for FDCPA violations. As the most basic form of just compensation, statutory damages is a one-time penalty levied against bill collectors for every FDCPA violation committed.

Statutory damages have a limit of $1,000, but monetary damages paid out to compensate for the pain and suffering triggered by physical and/or emotional distress do not have a financial cap. Your FDCPA attorney will seek monetary damages if the evidence is strong enough to prove a bill collector’s illegal actions caused you physical and/or emotional harm.

Know Your Consumer Rights

Receiving a complaint that summons you to a civil court can feel worse than a kick to the stomach. If you face a lawsuit filed by Vital Recovery Services, Inc. you should immediately get in touch with a highly rated consumer protection lawyer who specializes in successfully litigating FDCPA cases.

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 Vital Recovery Services or any other third-party collection agency, you may not be entitled to any compensation.

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