How to Beat Delanor Kemper & Associates

February 21, 2024

How to Beat Delanor Kemper & Associates

You don’t have to cower before even the biggest debt collectors. Learn how to make a defense if you’re being sued by Delanor Kemper & Associates.

Once you’re in debt, you make regular repayments until it’s paid back in full, most often with interest. If you’re unable to pay, you may decide on a course of action to take which can be anything from debt consolidation to declaring bankruptcy. Sounds pretty simple, right? This mainstream narrative omits that debt collection is a billion-dollar industry in the US.

We’ve all seen the movies with a threatening loan shark who preys on the destitute. But what happens when the evil character isn’t just one person but a whole organization? Unfortunately, the shady business doesn’t happen in dark alleys but in broad daylight, at a courthouse.

If you are being sued by Delanor Kemper & Associates, you may feel like you are at an unfair disadvantage. Keep reading for information on how you can beat Delanor Kemper & Associates in court.

The Truth About the Debt Business

In reality, debt isn’t a straightforward transaction between a debtor and a creditor. Gone are the days of old when there was a simple person-to-person relationship. Instead, you borrow money from a large corporation under a set of terms you may not have even read. At some point, they can take your debt and sell it to another bigger company. This company can then sell your debt to a third organization. And on and on it goes.

Unseen actors are playing pass-the-parcel with your debt, and they are under no obligation to inform you where your debt is at any given time. So how can you tell that this is happening? Well, one day, you may wake up to find yourself being sued by Delanor Kemper & Associates. You don’t know who they are, you’ve never interacted with them, and now they’re suing you.

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Who Are Delanor Kemper & Associates?

Delanor Kemper & Associates is an established player in the debt collection business. They’ve been around since 2010 and are based in Atlanta, Georgia. They also have offices in New York and Toronto. As for the type of debt they collect, they do it all – credit cards, retail, health care, property management, commercial, industrial and auto loans. They have spent a decade perfecting their attack strategy.

They begin by calling debtors using a false storyline. In one of the many lawsuits filed against them, Piscitiello v. Delanor Kemper & Associates, LLC, the woman who filed the complaint eventually received around $9,000 in damages. She outlined their strategy as such:

Step 1: they called her and pretended they were lawyers
Step 2: they claimed an unknown party was suing her for check fraud and delinquent payday loan
Step 3: they refused to show documentation supporting the alleged lawsuits
Step 4: they harassed her for weeks, calling her home address multiple times

If you are facing a similar situation, we highly recommend you do what Ms. Piscitiello did. Don’t panic, don’t answer their calls, don’t engage with them, and don’t offer to pay them. The minute you offer them money you fall into their trap because you’ve now acknowledged that you owe them a debt. That was their goal because now they can take you to court regardless of whether you actually owe them money or not.

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The FDCPA Protects You From Aggressive Debt Collectors

This is where you need to understand the FDCPA. The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects all American citizens from unfair practices by debt collectors. That includes harassment, intimidation, deception, false representation, and a host of other tactics. It also protects you from debt collection companies because often, they don’t have the legal right to sue you for purchased debt.

Companies like Delanor Kemper & Associates buy old debts and try to reactivate them. Once a debt passes the statute of limitations, you don’t have to pay it. This time limit varies from state to state. However, suppose you pay even $1 towards your debt during the prescriptive period. In that case, tolling begins and will reactivate the clock on the statute of limitations, and you are now legally obligated to pay all of it.

This is the reason it is incredibly important that you don’t engage with any Delanor Kemper & Associate agents, answer calls, or agree to pay.

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You Can Fight Back Against Debt Collectors With a Countersuit

Luckily the court system is aware of unsavory debt collection agency practices. Delanor Kemper & Associates has been taken to court under the FDCPA multiple times. Over the past three years, The Better Business Bureau has received 33 complaints about their billing and collection policies. As a result, Delanor Kemper & Associates has an F rating, and many victims of harassment have been awarded damages upwards of $1,000.

In these cases, Delanor Kemper & Associates also had to pay the plaintiff’s legal fees because of the fee-shift provision in the FDCPA regulations. So, take steps to hold them accountable like hiring an experienced attorney, notify your state’s Attorney General of Delanor Kemper & Associates intimidation tactics or report them to the Federal Trade Commission. You may be eligible for this.

What Steps to Take If You’re Contacted by Delanor Kemper & Associates

Debt collection companies like Delanor Kemper target thousands of people a year. That means that if you take the proper steps, hold them legally accountable, or appear unintimidated, they will move on to easier prey. So, what steps should you take?

If a debt collecting company sues you or takes you to court, respond immediately as ignoring the court is equivalent to accepting the debt owed.
If Delanor Kemper & Associates call you and try to intimidate you, do not give in. Ask for documentation for any lawsuits. Don’t agree to owe anyone debt.
Under no circumstances should you offer them money or agree to pay a single dollar because this can reactivate an obsolete debt.
Hire a lawyer with experience in FDCPA cases and inform the relevant authorities of any harassment tactics.

Don’t panic because that is what they are counting on! If you calmly proceed with the steps outlined above, ask for evidence to support all claims, and hire counsel, they will quickly recognize that you will not be intimidated and give up. Debt collection agencies like Delanor Kemper & Associates have little to no legal standing and cannot force you to pay them unless you agree.

What is ZumaZip?

ZumaZip is a convenient solution designed to streamline your response to a debt collection lawsuit. Here’s a breakdown of what you can expect when you use ZumaZip:

Firstly, you’ll access our user-friendly web application, which guides you through the process step by step. You’ll be prompted to answer a series of questions related to your specific situation. Once you’ve completed the questionnaire, you have the option to either print out the finalized forms and mail them to the appropriate courts yourself, or you can opt to utilize ZumaZip’s services to file them on your behalf. Additionally, if you choose this option, an attorney will review your document for added peace of mind.

If you’re seeking guidance on how to effectively respond to a debt collection lawsuit, ZumaZip can provide the assistance you need. Feel free to explore our FAQs for more information on what ZumaZip has to offer.

What if I haven’t been sued yet?

If you’ve only received a collections notice, but not a lawsuit, the best way to respond is with a Debt Validation Letter. When a debt collector contacts you in any way, whether it’s by phone or mail, you can respond by formally requesting a debt validation with a Debt Validation Letter . This letter notifies the collector that you dispute the debt and forces them to provide proof you owe the debt. They can’t call you or continue collecting until they provide validation of the debt. This flowchart shows how you can use a Debt Validation Letter to win.

Get started with a Debt Validation Letter here.

How to Answer a Summons for debt collection in all 50 states

Here’s a list of guides on how to respond to a debt collection lawsuit in each state:

Guides on how to beat every debt collector

Hey there! Facing off against a debt collector can feel like a daunting challenge, but fear not! We’re here to help you navigate through it all with our handy guides designed to assist you in beating every debt collector you encounter. Whether you’re facing a new lawsuit or dealing with a persistent collector, we’ve got your back. Stay positive, stay informed, and let’s tackle this together!

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