Debt collectors have a reputation for abusing their targets. While this is not true of every collection agency, it does happen often enough for the Federal Trade Commission to receive thousands of complaints each year. If you are facing this type of debt collector, read on to learn more about your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to protect consumers against unethical debt collection practices. Under this law, collection strategies like the following are illegal and can get an agency fined or closed permanently.
- Failing to identify themselves during each communication as a debt collector
- Telling your friends, neighbors, and co-workers that you owe a debt
- Calling you at work after being informed that the workplace does not allow its calls
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m.
- Threatening legal actions that they have no intention of taking
- Reporting false information to the credit bureaus
Company Profile: Full Circle Financial Services
If you are being called by Full Circle Financial Services, here is more information about the firm.
Full Circle Financial Services, which also does business as FCF Services LLC, is a debt collection agency in Tampa, Florida. It was founded in 2007, has 15 employees, and is managed by Roger A. Knauf. Consumer litigation records at the PACER website reveal that consumers who believed that they were being harassed by Full Circle Financial Services did not let themselves be bullied.
Alleged Violations against Full Circle Financial Services*
According to information on the PACER website, in or around early 2009, Full Circle Financial Services allegedly tried to collect a debt from a California consumer by contacting his son and disclosing information about the debt. He also alleged that the company threatened to damage his credit unless he paid, despite the fact that he denied owing the debt.
Feeling harassed by Full Circle Financial Services, the consumer fought back by suing the company for:
- Communicating false information to the credit bureaus
- Contacting third parties about the debt
- Misrepresenting the character, amount, or legal status of the debt
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection agency is:
If you see any of them on your caller ID, it means that Full Circle Financial Services is pursuing you to collect a debt. If they discuss the situation with anyone except you, your spouse, or your attorney, hire a consumer lawyer and file a claim against Full Circle Financial Services. You could be awarded $1,000 per FDCPA violation plus legal costs. When a debt collector violates your rights, it can cost them- a lot.
*Case taken from PACER (www.pacer.gov). Case 2:09-cv-04353-FMC-PLA 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 Full Circle Financial Services or any other third-party collection agency, you may not be entitled to any compensation.