Debt can leave you burdened by unwanted stress. Maybe you lost your job, had a family emergency or spent time in the hospital. There are many different reasons why debt accumulates, but the last thing you need is a collection agency bullying and harassing you about it. Don’t let this happen to you: treating you this way is against the law.
Your Rights Under the FDCPA
If a debt collector uses obscene language, harasses you with nonstop phone calls, or makes improper legal threats, they have violated the Federal Debt Collection Practices Act (FDCPA and you may be entitled to financial damages as well as lawyer’s fees. Examples of illegal behaviors include:
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Pretending to be lawyers, police officers, or federal agents
- Telling your friends, neighbors, and co-workers that you owe a debt
- Using profane or obscene language
- Contacting you after you have sent a cease and desist letter
- Calling you at work when they know that your employer prohibits such calls
Company Profile: Financial Control Services, LLC
If you are being called by Financial Control Services, LLC, information about the company is below.
Financial Control Services, LLC is a debt collection company located in Waco, Texas. It opened for business in 1992, has 50 to 99 employees, and is managed by its President, Mike Rash. According to litigation records retained by the PACER (Public Access to Court Electronic Records) website, people who felt they were being harassed by Financial Control Services, LLC hired consumer lawyers and commenced legal action.
Alleged Violations against Financial Control Services, LLC*
According to PACER, a California man obtained a copy of his credit report on or around September 7, 2016 and found that Financial Control Services, LLC has reporting five accounts. He sent the agency a letter disputing these debts via certified mail but it allegedly continued to report the debts as valid.
Feeling harassed by Financial Control Services, LLC, he hired a consumer lawyer and sued the company for allegedly violating the FDCPA in the following ways:
- Communicating inaccurate information to the credit bureaus
- Using false, deceptive and misleading means to collect a debt.
- Misrepresenting the character, amount or legal status of the debt
The matter was later settled.
Hire an FDCPA Lawyer
The phone numbers for this debt collection agency are as follows:
If either one shows up on your caller ID when the phone rings, you are being called by Financial Control Services, LLC. If you dispute a debt and they fail to update the credit bureaus accordingly, contact a consumer lawyer who can help you if you decide to file a claim against Financial Control Services, LLC. You could potentially win compensation of $1,000 per FDCPA violation in addition to lawyer fees and other legal costs. When a collection agency damages your credit with inaccurate debt reporting, they can be compelled to pay you compensation.
*Case taken from PACER (pacer.gov). File number is Case 2:16-cv-08513-PSG-AJW from the United States District Court for the Central District of California, Western 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 Control Services, LLC or any other third-party collection agency, you may not be entitled to any compensation.