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What to Do If a Debt Collection Agency Threatens Legal Action
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What to Do If IMC Credit Services, LLC* Is Threatens Legal Action

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IMC Credit Services, LLC, is a third-party debt collector based in South Dakota. The agency was founded in 1960 then incorporated in 2007. They often do business using the name, Statewide Credit Association, Inc. The company has an annual revenue of $1.7 million and the headquarters employs about 45 people. If you are being harassed by IMC Credit Services, LLC, you can take action.

How To Respond To a Lawsuit From IMC Credit Services, LLC

Thorough record-keeping is a necessity when you have debt. You must keep any receipts or statements that you receive. Maintain documentation of any phone calls and keep all written correspondence. If you don’t believe that you owe the debt, you should ask IMC Credit Services, LLC, to provide proof of the debt or validate it.

To successfully validate a debt, IMC Credit Services, LLC, must provide supporting documentation that shows the amount of the debt, what the debt was for initially, the date the debt was incurred, and any payment history. If it is proven that you do owe the debt, then you should work to negotiate a settlement with IMC Credit Services.

Usually, this can be for as little as half of the amount of the debt. An FDCPA lawyer will be able to help you dispute any lawsuits filed by IMC Credit Services, LLC, against you.

What to Do If IMC Credit Services, LLC* Is Threatens Legal Action

Damages You Could Receive From IMC Credit Services, LLC

Like other debt collectors, IMC Credit Services, LLC, might harass you during the debt collection process. If you are being harassed by IMC Credit Services, LLC, then you might suffer damages. You can file a claim against them to recover compensation for your damages. If IMC Credit Services, LLC, violated the FDCPA, you might be able to recover some of these damages:

Emotional distress – Emotional distress could result from continuous calls and harassment. This could affect your daily life and your relationships.

Lost wages – Physical and emotional distress could cause you to suffer lost wages because of the loss of production or because of missed work.

Recovery of wage garnishment – IMC Credit Service, LLC, could garnish wages illegally. If so, ask to be reimbursed.

Statutory damages – If the FDCPA was violated by IMC Credit Service, LLC, and you can’t claim other damages you can ask for up to $1,000 in statutory damages.

Physical distress – Harassment and stress could cause physical issues. Physical problems might include stress-induced anxiety, migraines, hypertension, heart problems, stress headaches, and insomnia.

Legal fees – Ask that IMC Credit Service, LLC, be held responsible for court costs, legal costs, and attorney’s fees.

Injunctive relief – The court can order IMC Credit Service, LLC, to cease and desist, which means they can no longer contact you.

Talk To an FDCPA Attorney Today

If IMC Credit Service, LLC, is harassing you, consult with an FDCPA lawyer in your area. Get your Free Case Evaluation today!

*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 IMC Credit Services, LLC, or any other third-party collection agency, you may not be entitled to receive any compensation.

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