1. Hiddencreditrepairsecrets.com Presents Suing Collection Agencies - Discoverthe 6 Things You Need to Know BeforeGoing to Court

2. Just to let you know that collection agencies are no dif ferent than credit bureaus when it comes to suing incourt. However, before you take thelegal step to sue in small claims court,there are six things you must knowright before filing a lawsuit. 3. Suing Collection Agencies - 1 - Know who serves the collector with the complaint.Anyone not af filiated with the case may serve the bureau, but you are responsible for having the complaint served. Once you file, the complaint has to be served right away, andproof of delivery must be filed with the court 10days from the court hearing date. You can use a sherif f, a third - par ty not involved in the case,or a process server. You can also send it by mailwith a certified return receipt. When mailing,make sure you ask for restrictive delivery,meaning a register agent for the company needsto sign for the complaint and check with yourcourt for serving procedures. 4. Suing Collection Agencies - 2 - Know how tofind a register agent (a representative of the company) for the collection agency.Go to the Secretary of State website where the company is based, and do a namesearch. If the company is out of state, then you need to look for their register agent inyour state. Once you find the agent, you canhave them served with the notice ofcomplaint. Do a search on the BetterBusiness Bureau website and Google forresident agent to locate the agent of the business? 5. Suing Collection Agencies - 3 - Know how to prepare for the trial.You can prepare your evidence by getting a copy of the laws, outlining your argument, andlearning what the collector may present at the day of court. Thoroughly organize and study your evidence. You will need to prep your witnesses, put your recordings in order, review your journal of notes from the collector, pull your phone records, and review any medical records for proof of emotional distress. Review the laws that were violated and take a highlighted copy with you to court for the judge to review. Outline the events that took place step-by-step. You can even practice presenting your argument to the judge in front of a mirror. 6. Suing Collection Agencies - 4 - Know what goes on in the hearing. You should arrive early and dress professional,as there will be others in the court also trying their cases. The clerk will call the role from thedocket to see who is there. If only the plaintif f ispresent (meaning you), the judge will issue a default judgment awarding you the case automatically. If the defendant ( collectionagency) is the only person to show up, the casewill be dismissed. The judge will ask the parties to try in settle their matter with a mediatorwaiting outside in the hallway. If a settlement is unsuccessful, your case will be heard in order.When your case is called, you and the defendantwill present arguments to the judge, and afterhearing both sides of the story, the judge willdeliver a decision right away or later by mail. 7. Suing Collection Agencies - 5 - Know whathappens if I dont win the case? Know if yourisk losing anything. If you dont win your case, you may have topay the defendants attorney fees if the smallclaims court in your area allows those fees to be collected from the defendant (thecompany you are suing), so check with thesmall claims court about this issue before filing your case. Furthermore, you will loseyour filing fee, and any money you used tobring the case to court. In addition, thedefendant can try to collect any fees, theyaccumulated trying to defend the case against you. 8. Suing Collection Agencies - 6 - Know if youlose, will any fees be added to your negative account balance.No. There will be no additional fees added toyour balance, unless the original contractyou signed with the creditor allows for legal fees to be collected. Read through your contract before taking your collector tocourt to better understand what they can collect if you lose the case. Now if you aresuing the creditor bureau, then their general fees to defend against the suit will apply in this situation. 9. Being prepared for small claims court is a bigfactor on how your case will turn out. So payattention to the six tips mentioned in this ar ticle before you enter the legal arena. Now that you are empowered with more information, go outthere, and take action. 10. If you are ready to say goodbye to credit rejection and debt collectors, visit hiddencreditrepairsecrets.comand sign up for the Free 8-Day E-CreditRepair Course, and claim your Free Gift-60 minute Podcast on RebuildingYour CreditHiddencreditrepairsecrets.com