Make them prove their case, every single aspect of it. An experienced attorney can guide the way here. There are so many issues that the collection agency has to prove to prevail in a court of law. I like to tell my clients that the agency has to prove A through Z, and they often can only prove A through E.

The collection agency has to prove a number of issues in a lawsuit to collect a debt. First and foremost is that they have to prove that they have the right to sue you. Did the original creditor actually sell, or assign, your account to them? Show me the documents!

They also have to prove that it was your account, and that you agreed to the terms and conditions that they allege are applicable to your account. They also have to prove that you made use of the credit account, the interest rate, the late fees and more. Again, I force them to show me all of the documents. Most times, they cannot come up with the proper documents so we have the case dismissed.

Contact our office at 412-823-8003 or toll free at 1-888-536-6644 for a free telephone consultation if you are being sued by a Collection Agency in Pennsylvania.