Arsc debt collector. SoloSuit can help you take a stand and win in court. Arsc debt collector

 
SoloSuit can help you take a stand and win in courtArsc debt collector  Here are some steps you can take to remove ARS Collections from your credit report: Get a copy of your credit report

If ARC engages in any of the following tactics, you may have a case: • Using profanity or abusive language • Calling you before 8:00 a. Fortunately, you can take action to halt debt collection activities and get back to normalcy. Failing to identify themselves as a debt collector. 2 ARC Management Group reviews. 22 November, 2023. If Professional Finance Company is representing a debt collector who is suing you for a debt, follow these three steps to respond to the lawsuit. Wilmington, NC - November 21, 2021. Compliance Manager Certificate Number CM12252. At this point, you will receive a complaint, followed by a summons from the court. Telephone number. We recognized an opportunity to build a system to fundamentally change debt collection, so we created TrueAccord to turn collections into a recovery and reconciliation process. Dealing with debt collection agencies is never pleasant. Stop calls from debt collectors. If you have decided to request a debt validation from Velocity Investments, you can reach them at the following phone numbers and address: Phone: (732) 556-9090. That means the clock resets, and a new statute of limitations begins. 1-800-390-7584; 800-289-8004; 800-955-6600. If a debt collector takes you to court, you should receive the Summons and Complaint document. Below is the contact information for BCA Financial Services: Address: 18001 Old Cutler Road #462, Palmetto Bay, FL 33157. The company purchases your debt from a creditor—credit card or loan company—and may contact you by phone or mail to demand payment. A debt collector cannot call your place of employment. A list of things that debt collectors MUST NOT do when they try to collect your debt: Contact you at an unusual or inconvenient time or place, generally before 8:00AM or after 9:00PM without your permission. Respond to a debt lawsuit against Aldous and Associates. But one will work, and the other will get a dropped connection. Debt Collector 2 salaries. m. 1. Address: Northstar Location Services, LLC 4285 Genesee Street Cheektowaga, NY 14225. Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them. Here are some steps you can take to stop calls from 800-955-6600: Tell them not to call: The Fair Debt Collection Practices Act (FDCPA) allows you to stop debt collectors from calling you. C. File the Answer with the court and the plaintiff. The Ultimate Guide to Successful Debt Collection Techniques. Stop calls from debt collectors. Summary: If a debt collector has violated the FDCPA when trying to collect a debt from you, there is a good chance you could receive compensation. If you’ve been sued for a debt in Kansas, respond to the case with SoloSuit’s Debt Answer form and increase your chances of winning by 7x. Steps to Take to End the Harassment. Medical debt is complex to collect. It was founded in 1950 under the name Medical-Commercial Audit, Inc. Advanced Recovery Systems Collections (ARS Collections), also known as ARS National Services, Inc. This is an attempt to collect a debt and any information obtained will be used for that purpose. 2. O. Answer each claim listed in the Complaint. S. This validation information includes the name of the creditor, the amount you owe, and how to dispute the debt. In doing so, the Customer Service aspect is our top priority along with the retention of your customer for the future. · Experian. Responding to a court Summons is more intensive than writing back to the plaintiff acknowledging that you received the papers. 1. The estimated salary at The Arc ranges from approximately $20,000 per year for Bus Driver to $75,432 per year for Associate Director. The collector might be able to sue you to collect the full amount of the debt, which may include extra interest and fees. Suffering through numerous phone calls. 3. ARS is confident that our cost-effective, no collections-no fee solution is just right for your business. Dispute the account. All parties agree that the debt is a valid obligation and is not disputed. NMLS ID 1553960. Rev. Bandits have stolen Phoibe and you must go save her! Head down to the beach where she is being held. We have expertise providing a range of specialized recovery programs designed to. ARS Collections is a debt collection company You may not have to pay your debt (paying it may hurt your score) Call now to find out if you can remove ARS Collections from your. Mailing Address. Call you more than seven times in a seven-day period. Compliance Manager Certificate Number CM12252. Alorica Inc. Hope you will get the right information about We Collect With Respect - Accounts, Receivables, Collections. In Victoria, Infobel has listed 607 registered companies. NV License Number FCA10669. ARSCLIB has been created to be a forum for discussing issues of concern to individuals who are responsible for caring for recorded sound collections within institutions. You have not exhausted all efforts of resolving an account until you allow. Get legal help with zero out-of-pocket expense because debt collectors have to pay your legal fees when they violate the law. These rights and protections are codified under Minnesota law and federal law. Calling the debtor before 9 a. Arc Services Collection Agency provides a Small Claims Administration service for our clients. Don't give in to pressure to pay on first contact. Successful: You can relax knowing you'll stop CBE debt collections. Is this useful?. 9am to 5pm on weekdays or your normal work hours (if known) You could be contacted up to 3 times per week or 10 times per month in total. and PRA Group Inc are the largest players in debt collection, according to IbisWorld, the market research firm . or after 9:00 p. Under Australian law, a debt collector must not: use physical force. Global Trust Management (GTM) is a debt collection agency in Florida. National Management Recovery Corporation works with consumers to find a resolution to outstanding accounts. You will have 20 days to file an answer with the Washington court once you are served the Summons and Complaint, according to Washington Rules of Civil Procedure Rule 12 (a) (1-2), which states: “ (a) When Presented. It’s much more established than many other debt collectors, and its decades in the industry have given it time to expand. or after 9 p. Accounts Receivable Service Corp is a third-party debt collector located in Holmes, Pennsylvania. You should respond by filing a written Answer into the case. m. M. Don’t let debt collectors intimidate you. The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from aggressive collection practices that include: Calling you before 8 a. Local, state, and federal agencies hold debt collectors, collection agencies, collection law firms, and finance companies accountable for every phone call, letter and text they may send. The details in example #1 show you can do the job because you’ve done the job. According to survey of consumer views on debt conducted by the Consumer Financial Protection Bureau in 2015. This communication is from a debt collector. Debt Collector. How to deal with a debt collection lawsuit. Opening hours. Personal loan debt. Stat. To make an online payment, you will need a copy of the original letter sent to you from ARS Account Resolution Services. T: (888) 675-9760. A debt collector trying to locate you cannot tell your supervisor or commander that you owe a debt. Respond to each claim listed in the Complaint, and deny as many as possible. Visit our site to learn about our debt collection agency, or to contact us for a quote. Dispute the Debt Within 30 Days. How to Beat Unifin. So, complaints become a fairly regular occurrence for some in the business of collecting debt. Email: [email protected] your income and expenses to work out how much, if anything, is left over. Here are 3 tips you should following in making your Answer: File the Answer with the court, and send a copy to the plaintiff. Email or Contact Form. Dasar Hukum Debt Collector. Tell the collectors not to contact you. Make A Payment To make an online payment, you will need a copy of the original letter sent to you from ARS Account Resolution. The company must make a reasonable effort to give you an affordable payment scheme for you to follow. Check the Iowa statute of limitations on debt. Debt Collection Laws in Alabama; Debt Collection Laws in Alaska; Debt Collection Laws in Arizona; Debt Collection Laws in. If you can't afford to pay anything, call the National Debt Helpline on 1800 007 007 for free, confidential advice about what to do. P. Company name. Understand how the CFPB’s Debt Collection Rule can help you. ARC Management Group 1825 Barrett Lakes Blvd Ste 505 Kennesaw, GA 30144. ARC Management Group. Kassandra rode down to Ktimene Beach. C1311-1005(4) NMLS ID #: 1490522. Get information on the debt. What does ARSC abbreviation stand for? List of 54 best ARSC meaning forms based on popularity. * For MI residents- In some situations, there may be a fee depending on which benefit you are entitled to. The first step to winning a debt lawsuit is to respond in court. W. So, complaints become a fairly regular occurrence for some in the business of collecting debt. Once you have created your Answer, responded to the paragraphs in the Complaint, and asserted your affirmative defenses, you are ready for the final step: file your Answer. Summary: Even if the statute of limitations on your student debt has passed, the debt can still show up on your credit report for up to seven years. ARC and our Servicers understand this is a difficult time and are committed to working with you. Here are 3 tips you should following in making your Answer: File the Answer with the court, and send a copy to the plaintiff. Superlative RM is an accounts receivable management business that works to assist creditors with recovering past due balances from consumers. Monica Johnson. This can amount to unconscionable conduct. ” in others. You may contact Superlative RM by phone at 888-441-4544 or by email at customercare@superlativerm. Once the collection company gets the letter, it must stop trying to collect the debt until it sends you written verification of the debt, like a copy of the original bill for the amount you owe. You can request your credit report in Spanish directly from each of the three major credit bureaus: · TransUnion: Call 800-916-8800. Right to dispute incorrect debt. Being unable to pay the debt is not normally a legal defense to the debt. Box 967, Elk Grove, CA 95759-0967. C. ARC Management Group Phone Harassment Examples. tries to attack it but the Stand is invincible. Job Title. Client Services 2007 WL 2902209 the court said a collector could call with a blocked number. When ARSC calls you about a debt, it is vital to ask them to verify it is yours by sending a Debt Validation Letter. Talk to anyone besides you, your spouse, and your lawyer about your debt. m. Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them. But since debt collectors tend to call consumers from different phone numbers, GTM agents might call from numbers with. A debt collector is a person or company that collects payments on past-due accounts. In some states, if you pay any amount on a time-barred debt, or even promise to pay, the debt is “revived. Follow these step when dealing with a debt collector: 1. How To Know If A Debt Collector Is A Scam | Bankrate. com DisputeAccount managers at ARC are well trained and versed in handling late state recovery as a second or even third, round effort. Debt Collection Agency Directory +1. Summary: The statute of limitations on debt sets a deadline for creditors and debt collectors to sue someone for said debt. 5. You should draft and file a written Answer document to respond to the case. Unpaid utility and phone bills. Include a section where you assert your affirmative defenses. Consumers call: 866-510-9754 Clients call: 770-799-2696 Fax: 770-417-1884 Email: info@arccollects. S. It could be anyone, including Joe Dirt. Creditors may use their own in-house debt collectors or may refer or sell your debt to an outside debt collector. The company purchases your debt from a creditor—credit card or loan company—and may contact you by phone or mail to demand payment. 14 per hour for Licensed Vocational Nurse. A debt collector also may be calling you to locate someone you know, but the collector is not allowed to reveal that the. The FDCPA applies to all states, including Mississippi, and sets rules and regulations that debt collectors must adhere to. Ross, Stuart & Dawson Inc. ARSC has been a party to a Federal Court case several times. They’re among the many debt collectors that operate throughout the UK. The government entity may add a reasonable fee to the debt for the collection agency fee to be incurred. To collect on delinquent or charged-off accounts, CreditFresh hires debt collectors and incentivizes them to be aggressive and relentless. Just as you wouldn’t jump into a contract without understanding its terms, don’t rush to make a. A third-party debt collector is permitted to send you electronic messages including texts and emails. We specialize in consumer collections and the recovery of uncollected debts. Debt Collector yearly salaries in England at Arc Europe Ltd. Keep your ears open, and keep a record of the conversation for your reference. NMLS ID 1553960. H. Tons of great salary information on Indeed. It has 34 complaints closed in the last 3 years and 11 complaints closed in the last 12 months, according to BBB ratings and accreditation. or after 9:00 p. They were extremely rude and would only divulge two things: the amount of debt, and who the debt is to. , is a debt collection agency. You’ve told the debt collection agency that you can’t receive calls at work, but they call anyway; The debt collection agency is threatening to sue you; A debt collector has disclosed information about your debt to family members, coworkers, or friendsThe plaintiff will ask the court for a default judgment. Miraschon starts to walk back to the prison. Follow these three steps to respond to the Summons and Complaint: Answer each allegation listed in the complaint. The Fair Debt Collection Practices Act (FDCPA) is a federal law that governs how debt collectors (including a bank that collects its own debt under another business name) operate and. Its headquarters are at 16200 Addison Road, Suite 260, Addison, TX 75001, and its phone number is 866-551-2888. Americor is a California-based debt relief company that started and was incorporated on 3/18/2008. You should respond by filing a written Answer with the court. A debt collector can contact your chain of command without your permission but usually only to find out your location, what your phone number is, and where you work. Mariner Finance. m. ARSC is a full-service debt buyer/collection agency that works with consumers to reach an accommodating resolution. (Getty Images) Debt collectors are. Responding doesn’t mean you’re agreeing that you owe the debt or that it is valid. m. 1-800-390-7584; 800-289-8004; 800-955-6600. Our team of experts are dedicated to bringing creditors and consumers together to resolve outstanding accounts. However, representatives may call from other phone numbers. Learn more about debt collection laws for the elderly. For example, if you refuse. ARS is a national accounts receivable management service that recovers Commercial and HealthCare receivables since 1996. Everyone has rights when dealing with debt collectors. Gen. If the debt is shared, you may be responsible, including if: You were a joint account owner. It can also be extremely frustrating when you are being pursued for an alleged outstanding debt that you do not actually owe. Tayne Esq. F. Debt Collector at Austin Regional Clinic: ARC Austin, Texas, United States. The company details can be found on the Companies House website. Receive SMS Messages. A debt collector is a person, agency or company responsible for collecting money owed, usually on a past-due account. Clients call: 1-866-781-4538. If you’re tired of hearing from 800-955-6600, try sending Northland Group a written letter asking it to stop calling you. Compliance Manager Certificate Number CM12252. Lastly, you need to make three copies of the answer document. However, any message they send must clearly state that it comes from a debt collector. Stop calls from debt collectors. Statute of Limitations on Debt Collectors. The North Carolina statute of limitations on debt, including credit card debt and medical debt, is three years, as outlined in N. Edited by Hannah Locklear. This can be a helpful way to know more about the debt, as well as tell whether or not it’s a scam. Phone number: 844-729-2772. Americollect works with healthcare providers to improve their medical collections, both with early out services and bad debt collection services. Father Enrico Pucci, Whitesnake's user, has a session with Miraschon, who is seeking to get a parole. Sample Cease and Desist Letter Against. Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them. Unifin is listed as a collection agency and collection systems provider. But here’s the truth about paying off collections debt (or any other debt ): Getting out of it is only 20% head knowledge and 80% behavior. In Sherri’s case, the debt is legitimate, so she sets up a payment plan with the Northland Group to address the debt and stop the unwanted calls. CreditFresh is a fully integrated technology and service solution provider that works with financial institutions to provide credit to consumers. A written request to cease communication will not prohibit the debt collector or collection agency from taking any action authorized by law to collect the debt. They. The first step to beating CCS Collections in court is to respond to the lawsuit. You can also reach the company through email at [email protected] has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as threatening to take actions that cannot legally be taken and failing to provide. The Arc Debt Collector in Missouri makes about $20,000 per year. 1-800-390-7584; 800-289-8004; 800-955-6600. 14 followers 14 connections. Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live. This is an attempt to collect a debt. PO Box 9002 Oak Brook, IL 60522. Central Portfolio Control is a compliance-focused and technology-driven collection agency with a strong foundation of professionalism and innovation. P1807-1288, Year Certified: 2018"Over $100bn (£68. Make a payment to the premier debt collection company, specializing in recoveries for commercial & healthcare industries. According to the Better Business Bureau (BBB), Unifin, Inc. Average hourly pay for Jeanne D'Arc Debt Collector: $19. Mon: 08:00: 17:00: Tues: 08:00:Debt Collector. Edited by Hannah Locklear. Now would be a good time to mention that you can make your horse follow the road to your objective by holding down A (for Xbox) or X (for PS4) to follow the road, and Y (for Xbox) or triangle (for PS4) to go to your next objective. info@applerecovery. 219 Katherine Drive P. Based on the Dragon Ball franchise, it was released for the PlayStation 4, Windows, and Xbox One, in most regions in January 2018, and in Japan the following month, and was released worldwide for the. Stop calls from debt collectors. Phone for Consumers:. And to resolve debt permanently, use SoloSettle to negotiate a lower. If you offer to pay a part of your debt, they may agree to remove it from your credit report. This agency also conducts business under the name CF Medical VI LLC. If you have been paying the previous debt collector, just. Each missed payment hurts your credit. Here's a video with more info on Debt Validation Letters. If you’ve recently gotten a call from (785) 271-1000, Berlin-Wheeler is probably trying to reach you about a debt. To make a payment anytime, try our Automated Payment System: (844) PAY-ARS2 / (844) 729-2772. ARSC is a debt collection agency based in the United States with a primary focus on commercial debt collection. 5211 Toll free: 800. The law sets certain limits on how much debt collectors can garnish your wages and bank accounts. Address: 1825 Barrett Lakes Blvd Suite 505 Kennesaw, GA 30144 USA . Join to view profile Austin Regional Clinic: ARC. Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live. H& R Accounts phone: 309-736-2255. On September 12, 2011, I researched fees for sending $750 to a debt collector in the U. You should receive a validation letter. Legally, debt collectors can call, text, or email you, as well as send letters. Local, state, and federal agencies hold debt collectors, collection agencies, collection law firms, and finance companies accountable for every phone call, letter and text they may send. In state office: Colorado Manager Inc. Company. Rules of Civil Procedure § 802. Stop calls from debt collectors. If you find yourself being pursued by a debt collection agent or agency, there are legal provisions under. Consider an undergraduate degree. Like so many debt collectors, Assetcare LLC is not popular. It is located at 2942A SW Wanamaker Dr #200, Topeka, KS 66614. For example, here are a number of actions that debt collectors CANNOT do according to the FDCPA: A debt collector cannot call your home or mobile phone before 8:00 a. When you are sued for a debt, you often find out about it by receiving a summons and. m. ARS offers a complete and competitive service with fresh new philosophies and technology to help you achieve your best recovery system. Dealing with an overly aggressive debt collector can. If it was a real debt collector, they should already have all your (or your girlfriends) information to send a. Threatening violence unless the debt is paid. Fight back by hiring a consumer lawyer and filing a claim against ARC Accounts Recovery. or after 9:00 p. In fact, they may find alternative ways to collect it from you. At all times, employees of Arc Services Collection Agency must adhere to the Federal Fair Debt Collection Practices Act, as well as all State and local laws. Get legal help with zero out-of-pocket expense because debt collectors have to pay your legal fees when they violate the law. Report this profile. 1. ARC Management Group 1825 Barrett Lakes Blvd Ste 505 Kennesaw, GA 30144. Follow these three steps to make your Answer: 1) respond to each issue of the Complaint, 2) assert your affirmative defenses, and 3) File the Answer in court and send. However, you are still welcome to call us at 1-888-766-4028. Summary: There are debt collection laws in Minnesota enacted with the intent to help protect consumers residing in the North Star State from being subjected to inappropriate and harassing debt collection practices. One of our team will be in touch as soon as we can to assist resolve your matter. Solutions is a legitimate debt collection company. Make a plan to pay off the debt. American Express; American Express – Debt Collection. This number represents the median, which is the midpoint of the ranges from our proprietary Total Pay Estimate model and based on salaries collected from our users. We know that our clients have a range of options in managing their outstanding debt, but they choose to work with us as we have a proven track record in reducing debt levels in a professional way that maintains their reputation. m. Getting hounded by a debt collection agency can be a traumatic and stress-inducing experience. Phone for Consumers: 866-510-9754. m. 1-800-390-7584; 800-289-8004; 800-955-6600. Sarah Edwards | November 09, 2023. They also purchase debts from other debt collection agencies including the Arrow Group. Debt collection laws in all 50 states. Contact Advanced Recovery Systems. They can also schedule payments online. Stop calls from debt collectors. or ARS is a legitimate third-party debt collection agency founded in 1992 and based in Indiana. is a third-pay debt collection law firm and agency. Compliance Manager Certificate Number CM12252. They hide their numbers for two reasons: Intimidation. Make sure the debt collector is in line with state law. Solutions. The debt collector sues Scott for the amount owed plus court costs and attorney fees, which equals about $500. Basically, this means a creditor or debt collection agent or agency is provided three years in which to file a debt collection lawsuit against a consumer. It can help you with follow-up letters and statements, soft calls, credit. Clients call: 1-866-781-4538. Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them. If you've been contacted by a NJ debt collector, SoloSuit can help you respond. The Debt Collection Process. ARSC: Association of Reciprocal Safety Councils: ARSC: Arizona Remote Sensing Center: ARSC: Animal and Range Sciences (various schools) ARSC: Air Rescue Sub Centre:. If you’re tired of hearing from 800-955-6600, try sending Northland Group a written letter asking it to stop calling you. When it comes to being served with a debt collection lawsuit, there are measures in place that need to be upheld. Include a section where you assert your affirmative defenses. Summary: Unifin is a debt collection agency that collects on student loan debt, medical debt, and other types of debt. The private debt collectors working with the IRS will never ask you to pay them directly. 1-800-390-7584; 800-289-8004; 800-955-6600. As you negotiate, the key is to lowball. 1. Search job openings, see if they fit - company salaries, reviews, and more posted by Jeanne D'Arc employees. Our staff are available to help clients in nearly every state. When you may be responsible for debts after a spouse’s death. use coercion. The gym sells that debt to a Utah collections debt collector. Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them. com (ESC) in August 2022. Our expertly trained, professional agents treat consumers with dignity and. The best plan is to settle outside of court, which will save you time, money, and effort. Malik, a. The Federal Trade Commission has provided the Consumer Financial Protection Bureau (CFPB) with its annual summary of activities to protect consumers in. If you have avoided being served court papers and don't file an Answer by the deadline, it's bad news. If you’ve got any questions about your account or just need some more information and advice, you can get in touch with us by filling out the contact form below or by giving us a call on 1300 363 394. This is a communication from a debt collector. Sometimes several times. According to the same report, the average litigated account balances ranged from $2,700 to $12,300. Debt Collection. Debt Collection Laws in Alabama; Debt Collection Laws in Alaska; Debt Collection Laws in Arizona; Debt Collection Laws in. 1825 Barrett Lakes Blvd Ste 505 Kennesaw, GA 30144. Debt collection notices are probably the worst. Easy: Negates the need to spend hours determining which letters to write or how to write them. Dispute the account. If you owe the debt, you may be able to work out a settlement or other resolution with the collector. If you’ve been sued by Unifin, SoloSuit can help ask them to validate the debt and respond to the lawsuit, increasing your chances of winning in court by 7x. If you are a victim of debt harassment, you can make the calls stop and receive up to $1,000 from [tag-title]. Arc Europe. Step 3: Customer is contacted. It’s much more established than many other debt collectors, and its decades in the industry have given it time to expand. Summary: You have 21 days to respond to a debt collection lawsuit in Colorado, and you must pay a fee ranging from $80-$192 to file your Answer document in the court. Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live. Washington Deadline for Answering a Debt Collection Summons. Debt collectors cannot: Lie to you. Debt collectors can only take money from your paycheck, bank account, or benefits—which is called garnishment—if they have already sued you and a court entered a judgment against you for the amount of money you owe. In person. The Fair Debt Collection Practices Act protects you from harassment. There are only a few circumstances. Title: ARC Debt Collection: Your Guide to Efficient Debt Recovery Introduction (150 words) Dealing with outstanding debts can be a challenging task for any business, regardless of its size or industry. Debt Collection Lawsuits: the Breakdown. Mail one copy to the address where the summons and complaint came from, send another copy to the debt collector's attorney, and then keep the final copy with you for future references. ARC is licensed to collect debt nationwide* and internationally, operating under the mission that we COLLECT WITH RESPECT. Address: 2173 Macdade Blvd. m. Weekdays and weekends: 9am to 9pm. You might be able to get $1,000 per lawsuit, plus actual damages, attorneys' fees, and court costs. If you do end up going to court there are a few ways to handle the situation.