Debt collectors are eager to compel debt payments and often utilize threats, humiliation or lawsuits to achieve this goal. Sometimes these attempts run afoul of the law: some people have reported that collection agencies ignored disputes, cursed and swore on the phone, and posed as attorneys or police officers to threaten them.
Your Rights Under the FDCPA
In 1977, the Fair Debt Collection Practices Act, or FDCPA, was passed to provide protection to consumers from the harassing and aggressive practices of third-party collection agencies.
It immediately provided remedies for consumers who were subjected to unfair or illegal collections tactics like those below.
- Using profane and obscene language
- Using the telephone to harass you with constant calls
- Failing to report to the credit bureaus that a debt is in dispute
- Refusing or failing to validate the debt and prove that they are authorized to collect it
- Ignoring a formal cease communications request
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
Company Profile: Financial Management Solutions, LLC
If you are being called by Financial Management Solutions, LLC, information about the company and its operations are below.
Financial Management Solutions, LLC is a debt collection agency located in Bethesda, Maryland. It was established in 1990, has 13 employees, and is managed by J. R. Schuble, Jr and Mark Pacious.
Lawsuit dockets viewable at the PACER website reveals that people who believed that they were being harassed by Financial Management Solutions, LLC hired an attorney to help them protect their rights.
Alleged Violations against Financial Management Solutions, LLC
According to PACER, in 2009, Financial Management Solutions, LLC started trying to collect a debt from a Maryland consumer. He later complained that he disputed the debt and told collectors that he was not permitted to receive personal phone calls while he was working, but the calls continued.
Collectors also allegedly yelled at him, calling him dishonest and accusing him of using stall tactics.
Feeling harassed by Financial Management Solutions, LLC, the consumer sued the company for violating his rights in the following ways:
- Calling him at work when such calls were prohibited
- Using unfair and unconscionable means to collect a debt
- Using harassing means to collect a debt
- Using false, deceptive and misleading means to collect a debt
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for Financial Management Solutions, LLC are:
Any time they appear on your caller ID, be aware that Financial Management Solutions, LLC is on the line. If they call you at work and use abusive language, contact a consumer lawyer right away.
If you file a claim against Financial Management Solutions, LLC, you could be awarded $1,000 per incident per FDCPA violation, so when a debt collector tries to intimidate you, intimidate them back.
Case taken from PACER (pacer.gov). File number is Case 8:10-cv-01357-DKC from the United States District Court for the District of Maryland, Greenbelt 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 Management Solutions, LLC, or any other third-party collection agency, you may not be entitled to any compensation.