Filling Fees and Costs Added to Your Debt?

accounting-black-budget-53621

When debt collectors or lenders sue consumers in Pennsylvania magistrate courts, the collector or lender usually pays a filing fee, postage costs, and other costs related to service. These costs are listed on the collection complaint filed with the magistrate court. 

The costs are supposed to be listed separate from the amount of debt at issue and itemized so debtors can understand what costs, in addition to their debt, they may be obligated to pay if they lose the case. 

Postage and other service costs vary. Filing fees generally are tied to the amount of debt at issue. Lawsuits for under $2000 cost $110.75 to file. Lawsuits between $2000 and $4000 cost $128.25 to file. Lawsuits over $4000 cost $171.75 to file.

Deceptive debt collection practices and filing fees and costs.

In defending Pennsylvania residents against debt collection lawsuits we have seen the following practices regarding filing fees and costs:

  • Debt collectors and lenders may add the filing fees and costs to the amount of debt owed.
  • Debt collectors and lenders may deduct the filing fees and costs from your account.
  • Debt collectors and lenders may claim you owe the filing fees and costs before they obtain a judgment.
  • Debt collectors and lenders may try to recover postage costs, even though Pennsylvania law does not allow them to do so.

Are deceptive debt collection practices regarding filing fees and costs unlawful?

"You may have a claim for damages under the FDCPA or the FCEUA."

No matter what happens in a debt collection lawsuit, you never owe the debt collector or lender their postage costs. If they try to collect that amount from you that likely is unlawful and deceptive.

Furthermore, you only owe filing fees if the debt collector or lender wins its case and the court agrees to assess those costs against you. If a debt collector or lender adds filing fees to your debt, claims you owe filing fees before judgment, or automatically deducts filing fees from your account, that likely is unlawful and deceptive.

If a debt collector wrongfully assessed or attempted to collection lawsuit-related filing fees and costs against you, you may have claims for damages under the Fair Debt Collection Practices Act (FDCPA) and the Pennsylvania Fair Credit Extension Uniformity Act (FCEUA).

Hire BCJ Law to help.

If you were wrongfully assessed filing fees and costs, please contact BCJ Law for help. We may be able to recover damages, along with attorneys’ fees and costs. You can fill out our contact form or call us at 1-800-997-5561.

Recent Articles:

Share This Page!

Share on facebook
Share on twitter
Share on linkedin
Share on google
Share on print
Share on email