Debt collectors can be ruthless, acting without regard for your rights. This is because experience has taught them that most consumers, unfamiliar with their rights, will cave in and pay sooner or later. Don’t let the same thing happen to you.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, requires third-party debt collectors to behave professionally when collecting consumer debts. Bullying tactics like those below are illegal, and can result in revocation of the agency’s license.
- Using profane and obscene language
- Contacting you if the debt collector is aware that you are being represented by an attorney
- Pretending to be attorneys or police officers
- Calling you at work when your workplace doesn’t let you take such calls
- Telling your friends and family about the debt
- Claiming that you can be arrested if you do not pay
Company Profile: Financial Medical Systems, Inc.
If you are being called by Financial Medical Systems, Inc., here is a wider company background.
Financial Medical Systems, Inc., which also does business as USA Credit Recovery, is a debt collection agency in Hauppauge, New York. It opened for business in 1993, has 160 employees, and is managed by its President, Paul Abrams. Files at the PACER website confirm that consumers who believed that they were being harassed by Financial Medical Systems, Inc. protected their interests in court.
Alleged Violations against Financial Medical Systems, Inc.*
According to information on the PACER website, on or around October 21, 2011, Financial Medical Systems, Inc. sent a collection letter to a New York consumer. She complained that the letter appeared to come from a law office although the letter stated that no attorney had viewed her account, and that it arrived in a window envelope that left her account details visible.
Feeling harassed by Financial Medical Systems, Inc., the consumer sued the agency for:
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection agency is 1-631-232-4000. If you see it on your caller ID, consult an attorney, as you are being called by Financial Medical Systems, Inc. If they send you letters that leave your personal information visible, hire a consumer lawyer and file a claim against Financial Medical Systems, Inc.. You could receive $1,000 per FDCPA violation, so remember that passively accepting harassment is never your only option.
*Case taken from PACER (www.pacer.gov). File number is Case 2:12-cv-05262-JS-GRB from the United States District Court for the Eastern District of New York.
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 Medical Systems, Inc. or any other third-party collection agency, you may not be entitled to any compensation.