Debt collection agencies are notorious for their aggressive tactics and false promises. But you don’t have to give in to their pressure. With a little planning, you can fight back and win in court.
If you’re facing legal action from a debt collector, you have a choice. Many people think they are helpless in these situations, but that is not the case. You have rights that you may not be aware of. As you probably know, winning a lawsuit against a company like Amcol Clmbia can save you from having to pay the debt they claim you owe.
Who is Amcol Clmbia?
When you’re being chased, it helps to find out as much as you can about your opponent. Amcol Clmbia, also known as Amcol Systems, is a Columbia, South Carolina-based company. Knowing more about them can help you better prepare for your court appearance.
Collection agents in South Carolina can work for hospitals, doctors, and other businesses in the healthcare industry. These companies may hire debt collectors to attempt to collect a debt from you after trying to do so themselves without success.
Your original creditor will pay Amcol Clmbia if they are able to collect the outstanding debt from you. It’s for their efforts to try and get the money you owe.
When a health care provider is faced with a large volume of unpaid debts, they may choose to sell the debt to a collection agency for a fraction of the total value. If the agency succeeds in collecting the debt, it can make a significant profit.
It is possible to beat Amcol Clmbia in court. This can be done by preparing well for the hearing and knowing what to expect from the creditor.
Check your debt with Amcol Clmbia
The first step to winning your debt battle against Amcol Clmbia is to request debt documentation. If all goes your way, this could be the only step you need to take and could seal your victory.
Many people are unaware that when a debt collection company buys out debt from the original creditor, it is often done in large amounts. This allows the collection agency to receive a significantly reduced price for the full amount of debt owed.
The original health care bill bearing your signature is not always available to the collection agency. As such, requesting the original document from Amcol Clmbia might be difficult for them.
Request the production of documents from Amcol Clmbia
If Amcol received their debt wholesale, they may not have the original documentation with your signature. To be sure, you must send them a request for production of documents.
If you want to protect yourself in case the other party claims that you never requested the original document, it is important to send this request by certified mail. Also be sure to send a copy of this claim to the judge presiding over your case, this will demonstrate that you are taking appropriate steps to defend yourself against the claim.
If you can get the original document from Amcol Clmbia, you may have no choice but to accept that the debt is yours and pay it. However, it is quite possible that they cannot do so, so it is crucial that you send this request.
If you can get the original document from Amcol Clmbia, you may have no choice but to accept that the debt is yours and pay it. However, it is quite possible that they cannot do so, so it is crucial that you send this request.
After receiving a debt notification in South Carolina, you have 30 days to request documentation. Once Amcol Clmbia receives your request, they have another 30 days to respond. If they return documents to you, you should be able to confirm if the debt is really yours.
Defense against Amcol Clmbia
If you find yourself in court, it is important to be prepared. Missing your court date is actually an admission that the debt is yours, and the judge will likely rule in favor of Amcol Clmbia. To give yourself the best chance of success, find out as much as you can about the court process and what to expect on the day of your hearing.
If Amcol Clmbia is unable to produce the original documentation, they may not be able to participate, and you would be rewarded with victory. However, it is more likely that Amcol Clmbia tries to provide alternative documentation.
If you are in court and you are shown documents that appear to prove you have a debt, do not admit it is yours unless you can produce the original document. Many people make the mistake of admitting their debt after seeing everything but the original document.
The best way to protect yourself in court is to be prepared to refute any evidence that may be presented against you. If Amcol Clmbia does not have the creditor’s original invoice with your signature, he cannot use it as evidence against you. Be aware of this and don’t let them take advantage of you.
You may want to consider hiring a lawyer to help you with your case
Hire a qualified debt lawyer is one of the best things you can do. A lawyer can help you navigate the court process and ensure your rights are protected.
If you need legal help but can’t afford a lawyer, there are things you can do to prepare for your day in court. First, familiarize yourself with the laws that apply to you. This will give you a better understanding of what to expect and how to present your case.
If you’re convinced you don’t owe the disputed debt, stay calm and ask to see the original, signed medical bill. By taking this approach, you may be able to leave the court hearing victorious and without having to pay Amcol Clmbia.
