Are you being called by Financial Business and Consumer Solutions, Inc.?* Here’s what you need to know.
Money problems can be difficult to manage, and persistent contact from a collection agency makes a challenging situation even more stressful. Who wants to be yelled at for not paying a credit card bill when they can barely make the rent each month? Fortunately, the Fair Debt Collection Practices Act (FDCPA) protects consumers from unethical and / or harassing third-party debt collection practices.
Your Rights Under the FDCPA
In September 1977 Congress enacted the Fair Debt Collection Practices Act, or FDCPA.The FDCPA controls what debt collectors may do and say while collecting or trying to collect a debt. It strictly prohibits harassing and deceptive tactics like those below.
- Using threats to try and make you pay up
- Using obscene and aggressive language
- Discussing the debt with people other than you, your attorney, or possibly your spouse
- Contacting you after you retain an attorney
- Calling you at an inconvenient or unusual time and place, such as early in the morning, late at night, or at work if you are not allowed to receive calls there
- Refusing to provide you with information about the debt
Company Profile: Financial Business and Consumer Solutions, Inc.
If you are being called by Financial Business and Consumer Solutions, Inc., information about the company is below.
Financial Business and Consumer Solutions, Inc. is a debt collection company located in Hatboro, Pennsylvania, with a satellite office in North Cape May, New Jersey. It was established in 1982 as Federal Bond Collection Services, and changed its name in 2014. The company has less than 10 employees and is managed by its President, Joseph Neary, Jr.. Litigation files viewable at the PACER (Public Access to Court Electronic Records) website indicate that consumers who felt they were being harassed by Financial Business and Consumer Solutions, Inc. asserted their rights in court.
Alleged Violations against Financial Business and Consumer Solutions, Inc.
According to PACER, in or around late 2015, Financial Business and Consumer Solutions, Inc. began contacting a Georgia resident about an alleged debt. When the calls first began, the plaintiff requested that the company stop using his cell phone to contact him, but the calls allegedly persisted. When he did answer them, he heard pauses and/or clicks at the beginning of the calls and before the caller began speaking, suggesting that an autodialer was being used.
Feeling harassed by Financial Business and Consumer Solutions, Inc., the plaintiff hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
The matter was later settled.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If any of them appear on your caller ID at any time, it means that you are being called by Financial Business and Consumer Solutions, Inc.. If they ignore a cease communications request and use an autodialer to contact you, hire a consumer attorney who can help fight for your rights. If you file a claim against Financial Business and Consumer Solutions, Inc. and win, you could be awarded $1,000 per FDCPA violation, in addition to legal costs you may have incurred pursuing the action. Debt collectors who ignore your rights as a consumer can face significant sanctions, so always be prepared to fight back.
*Case taken from PACER (www.pacer.gov). File number is Case 4:16-cv-00106-HLM from the United States District Court for the Northern District of Georgia, Rome 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 Financial Business and Consumer Solutions, Inc., or any other third-party collection agency, you may not be entitled to any compensation.