Is Franklin Credit Solutions Vintage II, LP Calling You?*

The Federal Trade Commission regularly hears from individuals and families who are struggling with debt. In addition to the stress of unpaid bills, these people are being harassed by unscrupulous debt collectors who stop at nothing to collect the smallest debt.

Fortunately, the law provides protection for these people and puts the collection agencies on the run.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) is a federal law that places restrictions on what debt collectors can say or do when trying to collect money from you. Any agency that violates its provisions by using actions like the following can be sued for damages.

• Using profane and obscene language
• Calling at inconvenient times, usually before 8:00 a.m. and after 9:00 p.m.
• Contacting you at your workplace after being advised that such calls are not permitted
• 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

Company Profile: Franklin Credit Solutions Vintage II, LP

If you are being called by Franklin Credit Solutions Vintage II, LP, information about the company and its operations are below.

Franklin Credit Solutions Vintage II, LP, which also does business as Siegel Credit Solutions, is a debt collection agency located in Buffalo, New York. It was established in 2005, has a small staff with fewer than 10 employees, and is managed by Aaron Siegel.

Litigation records digitized and maintained by the PACER website reveals that consumers who believed that they were being harassed by Franklin Credit Solutions Vintage II, LP went to court to seek damages.

Alleged Violations against Franklin Credit Solutions Vintage II, LP

According to PACER, in October 2008 Franklin Credit Solutions Vintage II, LP allegedly bought a debt owed by an Illinois consumer, sold it soon afterwards, and then hired a debt collection agency to collect the debt even though it no longer owned the right to collect.

The consumer claimed that she had already paid the debt to Mercantile Adjustment Bureau, a third debt collection agency that had been hired by Franklin, only to face a lawsuit in February 2009 from the collection agency that subsequently purchased the debt.

Feeling harassed by Franklin Credit Solutions Vintage II, LP, the consumer sued the company for violating her rights by using false, deceptive and misleading means to collect a debt.

The matter was later settled.

Hire a Consumer Lawyer

The phone numbers for Franklin Credit Solutions Vintage II, LP are:

• 1-716-882-5834
• 1-866-234-9969

If they appear on your caller ID, it means that Franklin Credit Solutions Vintage II, LP is trying to contact you, likely about a debt you are believed to owe. If they misrepresent their right to collect the debt, causing you undue stress and financial loss, call a consumer lawyer right immediately.

If you decide to file a claim against Franklin Credit Solutions Vintage II, LP, you could receive statutory damages of $1000 per FDCPA plus attorney fees, so when a debt collector treats you like an easy target, show them the opposite.

Case taken from PACER (pacer.gov). File number is Case: 1:09-cv-04497 from the United States District Court for the Northern District of Illinois, Eastern Division.

Additional Resources

• What Are Damages in an FDCPA Claim?
• How Much Could I Earn If I File an FDCPA Claim?

*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 Franklin Credit Solutions Vintage II, LP, or any other third-party collection agency, you may not be entitled to any compensation.