Are you getting daily calls from a debt collector who treats you like you’re not even a person? Do they use profane language and call your boss when they can’t reach you directly? Alarming as this situation is, you have rights that can help you bring this treatment to an end.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, requires collection agencies to treat you with respect when they communicate with you about a debt. If they try to make you pay by using these pressure tactics, hire a consumer lawyer to help you protect your rights.
● Calling you outside of the hours of 8:00 a.m. - 9:00 p.m. in your time zone
● Failing to identify themselves as debt collectors in each communication
● Threatening legal actions they cannot take or have no intention of taking
● Using profane and obscene language
● Calling you several times per day using an autodialer
● Reporting false information to the credit bureaus
Company Profile: FCC Finance
If you are being called by FCC Finance, below are some additional company details.
FCC Finance, which also does business as NCEP LLC, is a debt collection agency in Dallas, Texas. It was incorporated in 1995, has a small team of seven employees, and is managed by James Borschow. Legal files at the PACER website reveal that people who believed they were being harassed by FCC Finance actively defended their rights in court.
Alleged Violations against FCC Finance
According to PACER, in or around April 2011, FCC Finance began calling a Tennessee couple to collect a debt. They complained that they sometimes received up to four calls a day and that one call came in after 9:00 p.m. The wife alleged that collectors called her at work, accused her of trying to avoid her debt responsibilities, and threatened to sue her.
The consumers said that on November 14, 2011, a female collector came to their home, took pictures of their property, and handed them an ‘Urgent Notice’ regarding the debt. This was allegedly the first written communication they had received since the agency started contacting them the previous April.
Feeling harassed by FCC Finance, the consumers sued the company for:
● Harassing them by phone
● Threatening legal action it did not intend to take
● Using deceptive means to collect a debt
● Using unfair and unconscionable means to collect a debt
● Failing to validate the debt within five days of initial contact
The matter was later resolved.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If they appear on your caller ID, FCC Finance may be trying to collect a debt from you. If they indulge in outrageous tactics like nonstop calls and even home visits, get a free case evaluation from a consumer lawyer and file a claim against FCC Finance. Bullying consumers is illegal under the FDCPA, and the compensation you receive could be substantial.
*Case taken from PACER (www.pacer.gov). File number is Case 3:12-cv-00194 from the United States District Court for the Middle District of Tennessee.
Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against FCC Finance or any other third-party collection agency, you may not be entitled to any compensation.