Are You Being Called By HSI Financial Services, LLC?* Here's What You Need to Know
Third-party debt collectors have a bad reputation for harassing indebted consumers. Swearing, lawsuit threats, and embarrassing calls to your boss and payroll department are all abusive tactics used to compel payment. One thing they won’t do is advise you that the law protects you from such predatory collection tactics.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) has strict rules that regulate how third-party debt collectors can approach and communicate with you. Actions like those below are illegal when used to collect a debt, and can get an agency reported to the Federal Trade Commission.
- Swearing and calling you names
- Pretending to be members of law enforcement
- Telling you that you have committed a crime and will be arrested if you don’t pay
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Threatening to call your payroll department and tell them you owe a debt
- Contacting your friends, family and co-workers and discussing the debt with them
Company Profile: HSI Financial Services, LLC
If you are being called by HSI Financial Services, LLC, information about the company is below.
HSI Financial Services, LLC is a debt collection agency located in Atlanta, Georgia. It was established in 1984, has 175 employees, and is managed by its President, Terry Johnson. According to its website, it is a healthcare-owned firm that specializes in collecting medical debt. Records on file at the PACER (Public Access to Court Electronic Records) website indicate that many consumers who believed they were being harassed by HSI Financial Services, LLC chose to deal with the problem in a courtroom setting.
Alleged Violations against HSI Financial Services, LLC
According to PACER, on February 17, 2014, HSI Financial Services, LLC sent a collection letter to a Georgia resident in an attempt to collect a healthcare debt. She claimed that the letter threatened her with legal action by stating that “[y]our delinquent accounts are under review for potential legal action. We will pursue all necessary actions authorized by our client, and allowed by law, to collect this past due debt.” However, no legal action was filed, even months later.
Feeling harassed, by HSI Financial Services, LLC, the consumer hired a consumer attorney, suing HSI Financial Services, LLC allegedly violating the FDCPA in the following manner:
- Using false, deceptive, and misleading means to collect a debt
- Threatening legal action it had no intention of taking
The matter was later dismissed.
Hire an Attorney
The phone numbers for this collection agency are:
If you see any of these numbers on appear on caller ID when receiving a call, it means that HSI Financial Services, LLC is calling you. Hire a consumer attorney if they threaten legal action for not making an immediate payment. If you file a claim against HSI Financial Services, LLC and win, you could potentially win $1,000 per FDCPA violation. It pays to fight back when your rights are violated.
**Case taken from PACER (www.pacer.gov). File number is Case 1:14-cv-03331-WSD from the United States District Court for the Northern District of Georgia, Atlanta 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 HSI Financial Services, LLC, or any other third-party collection agency, you may not be entitled to any compensation.