If you’re afraid to answer your phone because collection agencies are constantly calling, you are not the first and you won’t be the last. Thousands of people have debts in collection, and debt collectors can go to extremes when demanding payment.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA imposes professional and financial penalties on third-party debt collectors who employ methods like the following to collect a debt:
- Calling you on a daily basis
- Demanding amounts that are inflated by ‘service charges’
- Using profane and obscene language
- Making threats they cannot legally carry out or have no intention of carrying out
- Calling you at work after you’ve told them that your employer doesn’t allow such calls
- Leaving vague messages that do not identify the caller as a debt collector
Company Profile: Federal Processing Services, Inc.
If you are being called by Federal Processing Services, Inc., here is a general company background.
Federal Processing Services, Inc., which also does business as Federal Check Processing, is a debt collection agency located in Niagara Falls, New York. It opened for business in 2010, has 20 employees, and is managed by Mark Briandi and William Moses. An inspection of the litigation records at the PACER website indicates that consumers who believed that they were being harassed by Federal Processing Services, Inc. filed official complaints against the company.
Alleged Violations against Federal Processing Services, Inc.*
According to information on the PACER website, on or around April 15, 2012, Federal Processing Services, Inc. started contacting an Illinois consumer to collect a debt. She alleged that the company called her workplace several times and asked to speak to her manager regarding an outstanding debt. Collectors allegedly told her manager that she was being investigated for writing bad checks and check fraud.
When the consumer called Federal Processing Services, Inc. and said that she was represented by counsel, a collector allegedly stated, “We don’t deal with law firms, and we can still reach out to your job whether you have retained an attorney or not. If you don’t talk to us, we’ll have to deal with your criminal case with Cook County.”
Feeling harassed by Federal Processing Services, Inc., the consumer sued the agency for:
- Contacting her directly although she was represented by an attorney
- Using false, deceptive, and misleading means to collect a debt
- Discussing her debt with unauthorized third parties
- Failing to send a debt validation letter
A court awarded her $1,000 in statutory damages, $19,000 in actual damages, $5,000 in punitive damages, and $3,862.97 in attorney’s fees.
Hire a Consumer Lawyer
The phone numbers for this debt collection company are:
If you see either of these numbers on your caller ID, Federal Processing Services, Inc. is trying to collect a debt from you. If they harass you at work and imply that you have committed a crime, hire a consumer lawyer and file a claim against Federal Processing Services, Inc. If you win your case, you may receive $1,000 per FDCPA violation. Never presume that owing money makes you a target of abuse.
*Case taken from PACER (www.pacer.gov). File number is Case: 1:12-cv-06826 from the United States District Court for the Northern District of Illinois, Eastern Division.
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 Federal Processing Services, Inc. or any other third-party collection agency, you may not be entitled to any compensation.