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What to Do If a Debt Collection Agency Threatens Legal Action
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What To Do If Amcol Systems Is Threatening Legal Action*

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Amcol Systems is a collection agency. The company started in 1976 and is a provider of bad debt recovery, self-pay collections, and insurance claims resolution services.

According to the Better Business Bureau, there have been 129 complaints filed against the agency within the last three years for collections or billing problems. If you owe a past due debt and Amcol Systems is trying to collect it from you and you are being harassed, you may be able to recover compensation for your damages.

How To Respond To A Lawsuit From Amcol Systems

Anytime you owe a debt, you should maintain thorough documentation. Keep copies of statements, proof of payments made, and document all contact that the company has with you regarding the collection of the debt. If you dispute the amount of the debt, or that you owe the debt, you can ask Amcol Systems to verify the debt.

To verify a debt, they must provide supporting documentation that shows you do owe the debt. This documentation should include the original contract, any payment history, and correspondence records. If they show you do owe the debt, then you should work with Amcol Systems to reach a fair settlement, which should be much less than the original amount you owed. If Amcol Systems files legal action against you, then you can hire an FDCPA attorney to fight the charges.

What To Do If Amcol Systems Is Threatening Legal Action

Damages You Could Receive From Amcol Systems

Often, laws – such as the FDCPA – are violated during the process of debt collections. Debt collectors may call too frequently, and they may threaten you. This would be considered harassment. If Amcol Systems has harassed you for past-due debt, you might be able to recover compensation for the damages you suffered. If they violated the FDCPA, you might be able to recover compensation for the damages you suffered because of these violations. You can file a complaint with the proper agencies, which can penalize Amcol Systems for their damages. Here are some damages claimed in such situations:

Emotional distress – Repetitive calls can get to you. The ongoing harassment can cause emotional distress. Emotional distress can affect your daily life.

Recovery of wage garnishment – If your paycheck was illegally garnished by Amcol Systems, you can recover your garnished wages.

Statutory damages – If Amcol Systems violated the FDCPA, and you can’t claim other damages, you might be able to recover $1,000 in statutory damages.

Physical distress –Medical problems of a physical nature, such as stress-induced anxiety, hypertension, migraines, cardiac problems, stress headaches, and insomnia can result from the harassment during collections.
Legal fees –Ask that Amcol Systems pay for your legal fees, court costs, and attorney’s fees you incur because of their harassment.

Lost wages – If Amcol Systems garnished your wages illegally, you can ask to be reimbursed.

Injunctive relief – Amcol Systems could be ordered to cease and desist all collection activities barring them from contacting you.

Talk To An FDCPA Attorney Today

If Amcol Systems is threatening legal action, you should retain the services of an FDCPA lawyer who handles such cases in your area. Get your free case evaluation today.

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

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