Are you being barraged by calls, letters, and emails from debt collectors? For thousands of Americans, this is a daily reality. Collection agencies employ all manners of harassment to pressure stressed-out consumers into paying, and they often succeed because consumer rights are so little understood.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) regulates interactions between debt collectors and consumers. Unethical conduct like the following can prompt a Federal Trade Commission investigation and get a company closed down.
- Calling you before 8:00 a.m. and after 9:00 p.m.
- Using profane or obscene language
- Telling you that you can be arrested and sent to prison if you don’t pay
- Demanding an amount that’s not supported by law or the original creditor agreement
- Pretending to be members of law enforcement
- Attempting to collect a debt that is in dispute
Company Profile: Healthcare Financial Systems, Inc.
If you are being called by Healthcare Financial Systems, Inc., a company overview is below.
Healthcare Financial Systems, Inc. is a medical debt collection agency headquartered in Hollywood, Florida. It opened for business in 1998, has 55 employees, and is managed by its President & CEO, Neil Bernstein. Records at the PACER website confirm that consumers who believed that they were being harassed by Healthcare Financial Systems, Inc. opted to litigate instead of pay.
Alleged Violations against Healthcare Financial Systems, Inc.*
According to information on the PACER website, on or around March 29, 2010, Healthcare Financial Systems, Inc. sent a collection letter to a New York consumer. It stated, in part:
“We will assume this debt to be valid unless we hear from you within 30 days of the date of this notice.” This appeared to contradict his dispute rights, which begin from the date the letter is received, not written.
It also stated, “The balance due is now your responsibility,” which also overshadowed his right to dispute.
Feeling harassed by Healthcare Financial Systems, Inc., the consumer sued the agency for allegedly violating his 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 this debt collection agency are:
If they appear on your caller ID at any time of the day or night, you are being called by Healthcare Financial Systems, Inc. about an alleged debt. If they make representations or demands that contradict your dispute rights, hire a consumer lawyer and file a claim against Healthcare Financial Systems, Inc. You could be awarded statutory and punitive damages in addition to your legal fees. Don’t be bullied: act on your rights and fight back.
*Case taken from PACER (pacer.gov). File number is Case 2:10-cv-01913-LDW-WDW 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 Healthcare Financial Systems, Inc. or any other third-party collection agency, you may not be entitled to any compensation.