What to Do If a Debt Collection Agency Threatens Legal Action
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Commonwealth Financial Systems is Threatening Legal Action*
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Commonwealth Financial Systems specializes in accounts receivable management and financial services. The company is based in Dickson County, Pennsylvania. They often collect past-due medical debts, but several consumers have filed complaints alleging that the company is trying to collect debts that they did not owe. If that is the case, they are definitely in violation of the federal collection laws.
How to Respond to a Lawsuit from Commonwealth Financial Systems
Anytime you make payments toward a debt, you should keep copies of any receipts, cancelled checks, or statements that show the payment was made. Documentation is essential to proving whether you do or do not owe a specified debt.
If you don’t think you owe the debt they are collecting, or you question the amount of the debt, you can ask Commonwealth Financial Systems to validate the debt. This means that they are to provide you with evidence that shows you do owe the debt in question. You should retain the services of an FDCPA lawyer to help you collect supporting documentation so you can successfully refute the lawsuit that is being filed by Commonwealth Financial Systems.
If you do owe the debt, then you can negotiate a settlement with the collection agency and often pay less than half of what is owed to settle the debt.
Damages You Could Receive from Commonwealth Financial Systems
If Commonwealth Financial Systems is harassing you for a delinquent debt, you may suffer damages. If the collection agency violated state or federal laws, or the FDCPA, you can pursue a claim against them for their actions. There are some damages that are more commonly claimed in such cases. Some damages you may be entitled to receive include:
- Emotional distress – Receiving calls at all hours of the day and night can be stressful, causing emotional distress. Your relationships and work performance can also suffer.
- Lost wages – If the harassment causes physical and emotional distress, you could end up being affected financially. You might have reduced production at work, which affects your pay, or you may miss work because of the emotional distress. If you suffered lost wages, you can ask for reimbursement.
- Recovery of wage garnishment – If Commonwealth Financial Systems illegally garnished your wages, you could ask for them to be paid back to you.
- Statutory damages – If Commonwealth Financial Systems violated the FDCPA, but you didn’t suffer emotional distress or physical distress, you can file a claim to ask for $1,000 in statutory damages.
- Physical distress – The debt collector’s harassing phone calls can result in you suffering physically. You can suffer stress-induced anxiety, high blood pressure, cardiac conditions, panic attacks, insomnia, and migraines.
- Legal fees –Ask for Commonwealth Financial Systems to be held responsible for any of the legal fees, court costs, and attorney’s fees you incur because of the harassment you suffered.
- Injunctive relief – You can ask the court to order Commonwealth Financial Systems to cease and desist all collection activities regarding your debt, so they cannot contact you or your associates.
Talk to an FDCPA Attorney Today
If you are being threatened with legal action by Commonwealth Financial Systems, you should retain the services of an FDCPA attorney who is licensed in your state.
*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 Commonwealth Financial Systems or any other third-party collection agency, you may not be entitled to receive any compensation.