March 04, 2021
Summary: If Accredited Collection Services is suing you, it can be hard to know where to turn for help. Find out who they are, why they're suing you, and how you can make a defense.
If you are being sued and taken to court by Accredited Collection Services, don't panic. This debt collection agency is known for its intimidating tactics and could be breaking the law in its attempts to collect a debt from you.
As a consumer, it's important to know your rights. If Accredited Collection Services is using illegal methods to collect payment from you, you could be in a position to counter-sue.
But before we get ahead of ourselves, we need to discuss the best game plan to beat Accredited Collection Services. As you'll soon learn, being sued for debt is not as hopeless as it may seem.
Follow our guide to find how you can come out the winner. If you keep your cool and play your cards right, you stand to avoid paying Accredited Collection Services anything at all. Let's first take a look at this collection company to see what they're all about.
According to Accredited Collection Services' website, they claim that they hire only professional debt collectors to help track down unpaid debt. Furthermore, they also claim to treat every client with “respect and dignity.”
Unfortunately, reports show us that this is largely untrue. Accredited Collection Services has multiple consumer complaints against them. Many people claim that Accredited Collection Services uses methods that aren't in accordance with the FDPCA (Fair Debt Collection Practices Act).
The FDPCA was established to protect consumers against bullying tactics from debt collection agencies. If a company like Accredited Collection Services breaks the rules outlined in the FDPCA, they could void their chances of collecting the debt.
This is where a qualified debt lawyer can really benefit you. They can determine whether any laws have been broken and motion to counter-sue if you're in a position to do so. But you also have to play it smart if you're contacted by Accredited Collection Services.
Let's look at beating this debt collector and what you need to know moving forward.
If you are contacted by Accredited Collection Services about an unpaid debt, the first thing you need to know is that any information you give them is going to be used against you in court. As such, you want to remain very guarded in your conversation.
This means not giving them any information they request. They're going to want to verify your address and other data about you. The only thing you should say is that you want to see verification of the debt in question.
This is formally known as a Request for Production of Documents. In doing so, you are seeking proof that the debt is indeed yours (i.e., the original bill with your signature on it). When you ask for a Request for Production of Documents, you need to do so by certified mail.
This ensures that you have a receipt for your request, and you'll want to hang onto this paperwork should your case go to court. If Accredited Collection Services is unable to produce this documentation, you will have effectively won your case.
However, you need to be able to prove this to the judge. Why? Because Accredited Collection Services is going to try to win the case in court by producing every other kind of document. They're going to do this while hoping that you'll play into their hands and admit that the debt is yours.
Do not do this. It's a common tactic used when debt collection agencies don't have the original bill with your signature on it. Many people unwittingly fall for the presentation of the opposing counsel, thinking that the evidence produced is enough to make you guilty of owing debt.
It isn't. Accredited Collection Services needs to have the original documentation in court and on the day of your trial. They will likely attempt to delay the hearing so that they can come up with the original bill. If you have a debt attorney representing you, they will tell the judge that a delay isn't allowable, and you will be awarded the victory.
Now, on the matter of counter-suing. If Accredited Collection Services can be shown to have broken the law in their attempts to collect a debt from you, you can counter-sue for the damage caused by their unlawful practices.
However, you're going to need to be able to prove to the judge that this occurred. For you to have a chance at counter-suing, it's best to have a trusted attorney in your corner.
Moreover, you're going to need to have kept a record of every time Accredited Collection Services contacted you for the debt in question. This means keeping a log of every incident, with time stamps and information exchanged.
If they emailed you, texted you, called you, or contacted you in some other way, you need to be able to show proof of every instance. As such, you want to be sure not to delete or erase any messages or contact attempts.
If Accredited Collection Services left voicemails, make sure that you save every single one of them. Write down words exchanged so you can show the judge what was said. With an experienced attorney at your side, all of these instances can be neatly compiled and presented to the court on your behalf.
Most people are happy with not having to pay their debt collectors anything and gladly go on their way. You need to be certain that you want to expend the time and effort to counter-sue. More importantly, you want to be sure that doing so isn't going to open a can of worms and put you in a position where Accredited Collection Services can sue you again.
If you're fortunate enough to beat them, you might want to leave it at that. But if they did overstep their bounds in harassing you and caused you great distress, get the advice of your attorney to see what the best move is going forward.
SoloSuit makes it easy to respond to a debt collection lawsuit.
How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.
"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James
Here's a list of guides for other states.
Being sued by a different debt collector? We're making guides on how to beat each one.
Is your credit card company suing you? Learn how you can beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.