What to Do If a Debt Collection Agency Threatens Legal Action
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Help! Prince Parker and Associates are Threatening Legal Action
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Prince Parker and Associates is a debt collector that specializes in medical collections, past-due credit card debt, and past-due loans. Prince Parker and Associates was established in 1993. They have 41 employees and their annual revenue is $5.3 million. They must adhere to the FDCPA and state collection laws. If you are being harassed by Prince Parker and Associates, you can pursue a claim against them for their FDCPA violations.
How To Respond To A Lawsuit From Prince Parker and Associates
When you pay on any debt that you owe, you should be sure to maintain documentation. Keep copies of cancelled checks, receipts, and any other supporting records. Documentation is essential to showing if you do or don’t owe the debt. If you don’t think you owe the debt, or if you believe the amount of the debt is incorrect, you will need to ask Prince Parker and Associates to validate the debt. They are required to provide you with hard evidence that shows you are responsible for the debt, what the debt is for, and how much you owe.
You should retain the services of an FDCPA lawyer to help you refute the lawsuit that is being filed by Prince Parker and Associates. If you do owe the debt to Prince Parker and Associates, try to negotiate a settlement with them. Often, you can then pay less than half of what is owed so the debt can be settled.
Damages You Could Receive From Prince Parker and Associates
If you are being harassed about a past-due debt owed to Prince Parker and Associates, you might end up suffering damages. If Prince Parker and Associates violates the FDCPA, you can pursue a claim against them to recover damages. Some damages you may incur in such situations include:
- Emotional distress – Your relationships and your school and work performance can be affected by calls throughout the day and evening hours. Repetitive calls are harassing and can lead to emotional distress.
- Lost wages – If the harassment causes emotional and physical distress, you might suffer financially. It might affect your production at work, reducing your pay, or you may miss work because you are so stressed or become physically ill. If you suffered lost wages, you can ask for reimbursement from Prince Parker and Associates.
- Recovery of wage garnishment – If Prince Parker and Associates illegally garnished your wages, you can ask to be reimbursed.
- Statutory damages – If the FDCPA was violated by Prince Parker and Associates, but you didn’t suffer emotional distress or physical distress, you can ask for $1,000 in statutory damages from the court.
- Physical distress – The harassing phone calls from Prince Parker and Associates can cause you to be physically affected. You can have high blood pressure, cardiac conditions, stress-induced cardiological issues, panic attacks, headaches, and sleeping disorders.
- Legal fees –Ask the court to hold Prince Parker and Associates responsible for any legal expenses, court costs, and attorney’s fees you incur because of their harassment.
- Injunctive relief – The court can tell Prince Parker and Associates to cease and desist all collection activities regarding your debt, and this will stop all collection practices.
Talk To An FDCPA Attorney Today
If you are being threatened with legal action by Prince Parker and Associates, 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 Prince Parker and Associates or any other third-party collection agency, you may not be entitled to receive any compensation.