Have you been sued by Ability Recovery? Fortunately, you have found this website and you have found a Consumer Attorney who is willing to help defend you. DO NOT contact Ability without first speaking to a consumer attorney, whether it’s my firm or another. NEVER contact a debt buyer until you have had a legal consult.
Ability Recovery is a smaller company based in eastern Pennsylvania (that used to be known as American Credit Corporation or ACC) that buys bad debt at very low prices.
They buy large sections of defaulted credit card accounts for pennies on the dollar, sometimes for even less, for the sole purpose of attempting to collect whatever they can on those accounts from individuals just like you. They file dozens of lawsuits across all of Pennsylvania on a daily basis in hopes of collecting on old debt claims that have been charged off by the original creditor.
In my experience, I have found that Ability purchases “older” debt…that is, debt that hasn’t been paid on in quite some time. Some of these cases are beyond the statute of limitations, and some are not. Just because a lawsuit is filed beyond the statute of limitations does not mean that you automatically win. You still have to file the proper response to the lawsuit and assert your legal rights to the fullest.
In almost every case, our position is that you should defend, defend, defend. We have found that most debt buyers, Ability Recovery included, file defective lawsuits because they lack the information/evidence to file a non-defective lawsuit. The proper response to most of these lawsuits is to file Preliminary Objections.
Just like in any credit card case, the Plaintiff (the company that is suing you) has the burden of proof. They must prove that you had a credit account, that you defaulted on it, that a certain amount is due and owing and that Ability Recovery has the right to sue you and collect on the alleged debt. This last part is the key to many of these debt buyer lawsuits. The debt buyer MUST prove that it bought your specific account. They are often unable to meet this burden.
Our firm has a great deal of experience in defending credit card collection cases. With the rise of delinquent debt and the outsourcing of that debt to shady collection agencies, having an attorney to protect your interests has become vital. If you have been sued in any Pennsylvania county by Ability Recovery or another collection agency, our firm can help you defend this claim at minimal cost, with a great chance at success.
Contact our office here, call me at 412-823-8003 or visit our Pennsylvania Credit Card Legal Center here.
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Meet Greg Artim
Greg Artim is an attorney who focuses on Consumer Law issues in Pennsylvania, including Debt Collection lawsuit defense, FDCPA Violation claims, Lemon Law, Student Loan lawsuit defense and Debt Negotiation. Greg has extensive experience in defending lawsuits that are filed by credit card companies or collection agencies across the state. With over 2500 collection cases under his belt, Greg can advise on your legal issue and determine an appropriate course of action, be it a negotiated settlement or lawsuit defense.
Call the office today at 412-823-8003
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Free, no obligation 15 minute consultation.