Are You Being Called By Solutions to Portfolios, LLC*?

Are You Being Called By Solutions to Portfolios, LLC*? Here’s What You Need to Know

Are debt collectors calling you on a routine basis? If so, they may be breaking the law. While collection agencies are legally permitted to contact you about settling an outstanding debt balance, they are not allowed to pursue you to the extent that you feel harassed.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, prohibits bullying, deception, and manipulation during the debt collection process. Any collection agency that crosses the line in this manner faces fines and even license revocation.

• Using profane and obscene language
• Threatening consequences they cannot legally inflict, or have no intention of carrying out
• Calling at all hours of the day and night
• Contacting you at work if you are not allowed to receive calls there
• Demanding an amount that’s not supported by law or the original creditor agreement
• Discussing your debt with anyone except you, your spouse, or your attorney

Company Profile: Solutions to Portfolios, LLC

If you are being called by Solutions to Portfolios, LLC, below is a general history of the company and its operations.

Solutions to Portfolios, LLC, which also does business as STP Management Group, is a debt collector located in Charlotte, North Carolina. It opened for business in 2012, has fewer than five employees, and is managed by owner Anthony Swatsworth. Litigation files maintained at the PACER website indicates that consumers who believed that they were being harassed by Solutions to Portfolios, LLC chose to dispute the agency’s claims in court.

Alleged Violations against Solutions to Portfolios, LLC**

According to information on the PACER website, on or around December 16, 2015, Solutions to Portfolios, LLC allegedly called a Florida consumer and left the following voicemail:

Hi, this message is for (consumer name). This is Ms. Miller—Ms. Johnson submitted your case file out for final review. Looks like you spoke with her back in November. At this point prior to any litigation, or any litigating on this complaint filed—you or your attorney will need to make direct contact with my office. This is a legal matter—we do need to make restitution—uh you definitely need to contact me back immediately. My number is 980-244-2110. (Consumer name), we did ID income prior to any type of possible garnishments. I need a return call today.

Frightened by the voicemail message, the consumer called Solutions to Portfolios, LLC and was allegedly informed that she had to immediately settle the debt or deal with the court.

Feeling harassed by Solutions to Portfolios, LLC, the consumer sued the agency for the following alleged FDCPA violations:

• Using false, deceptive, and misleading means to collect a debt
• Using harassing and abusive means to collect a debt
• Failing to identify itself as a debt collector in all communications
• Threatening action that cannot legally be taken

The matter was later settled.

Hire a Consumer Lawyer

The phone numbers for this debt collection agency are:

• 1-704-307-4976
• 1-980-244-2110

If either of them appear on your caller ID at any time of the day or night, be aware that Solutions to Portfolios, LLC is trying to reach you. If they threaten to immediately file a lawsuit if you don’t pay, hire a consumer lawyer and file a claim against Solutions to Portfolios, LLC. If you win your case, you may potentially receive $1,000 per FDCPA violation plus court costs and attorney fees. The company’s decision to harass you could turn out to be an expensive mistake for them.

**Case taken from PACER (www.pacer.gov). File number is Case 8:16-cv-03407-EAK-TGW from the United States District Court for the Middle District of Florida, Tampa 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 Solutions to Portfolios, LLC or any other third-party collection agency, you may not be entitled to any compensation.

Additional Resources

• Has a Debt Collector Withdrawn Money From Your Bank Account?
• How to Stop a Debt Collector from Threatening Legal Action