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By Contributing Author: Sergei Lemberg Updated on

Are You Being Called By Financial Credit Network, Inc.?* Here’s What You Need to Know

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As long as we enjoy a steady income, paying our debts rarely presents a problem. But when financial problems hit and we can’t even make the minimum payments, collection agencies will start chasing us for the balance. Many of them are deceptive and rude, hoping that we won’t attempt to fight for our rights.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) is intended to protect indebted consumers from third-party debt collectors who become hostile or aggressive during the collection process. It restricts what collection agencies can do to collect a debt and prohibits actions like the following:

  • Calling you constantly
  • Pretending to be police officers, government officials, or any other law enforcement figure
  • Discussing the debt with anyone except you, your spouse, or your attorney
  • Trying to collect an amount not authorized by law or by the original creditor agreement
  • Cursing at you and calling you names
  • Calling you at work when they know that your employer doesn’t let you take personal calls

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Company Profile: Financial Credit Network, Inc.

If you are being called by Financial Credit Network, Inc., more information about this collection agency is below.

Financial Credit Network, Inc. is a debt collection agency in Visalia, California. It was established in 1954, has 87 employees, and is managed by its President, Alicia Sundstrom. A close inspection of digitized legal records at the PACER website confirms that consumers who believed that they were being harassed by Financial Credit Network, Inc. protected themselves by hiring consumer protection lawyers.

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Alleged Violations against Financial Credit Network, Inc.*

According to information on the PACER website, in or around December 2012, Financial Credit Network, Inc. started calling a California consumer to collect a debt. He alleged that the calls were made using an autodialer, which left prerecorded messages that did not identify the caller as a debt collector.

Feeling harassed by Financial Credit Network, Inc., the consumer sued the agency for allegedly violating his rights by:

  • Using false, deceptive, and misleading means to collect a debt
  • Failing to identify itself a debt collector in all communications

The matter was later settled.

Are You Being Called By Financial Credit Network, Inc.?* Here's What You Need to Know

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Hire a Consumer Lawyer

The phone numbers for this debt collection agency are:

Seeing them on your caller ID is an indicator that Financial Credit Network, Inc. believes that you owe money. If they use an autodialer to call you nonstop and leave messages that don’t identify them as debt collectors, hire a consumer lawyer and file a claim against Financial Credit Network, Inc. You could be awarded $1,000 per FDCPA violation plus legal costs and attorney fees, so don’t let yourself be mistreated without fighting back.

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Additional Resources

*Case taken from PACER ( File number is Case 8:13-cv-00440-JVS-JPR from the United States District Court for the Central District of California, Southern Division-Santa Ana.

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 Credit Network, Inc. or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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