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Debt collectors like Financial Business and Consumer Solutions (FBCS) Inc. cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.

THE BEST PART IS…

If FBCS Inc. violated the law, you will get money damages and FBCS will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is FBCS Inc.?

FBCS Inc. was originally founded as “Federal Bond Collection Services” in 1982 in Hatboro, Pennsylvania, and became “Financial Business and Consumer Solutions” (FBCS) in 2014. The company has been accredited with the Better Business Bureau since August 2016, but has received nearly 70 complaints via the BBB in the past three years, almost all of which are for billing/collection problems.Consumers allege repeated harassing phone calls, attempting to collect on false debts, unlawfully contacting debtors’ friends, and unlawfully contacting debtors during early-morning hours.

FBCS Inc.’s Management’s Address, Phone Number, and Contact Information

FBCS Inc.’s headquarters is located at 330 S. Warminster Rd. #353, Hatboro, PA 19040. The main telephone number is (215)-320-5761. FBCS Inc.’s website is https://www.fbcs-inc.com/ and further contact information can be found at https://www.fbcs-inc.com/contact/.

Phone Numbers Used by FBCS Inc.

Financial Business and Consumer Solutions likely has dozens, if not over 100, phone numbers it calls from.  Here are a few phone numbers FBCS may be calling you from:

FBCS Inc. Lawsuits

If you want to know just how unhappy consumers are with FBCS Inc., take a look at the number of lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER is the U.S.’s federal docket which lists federal complaints filed against a wide range of companies. A search for FBCS Inc. will display over 100 lawsuits filed against the agency in 19 states, most of which involve violations of consumer rights and/or the Fair Debt Collection Practices Act (FDCPA).

FBCS Inc. Complaints

The Fair Debt Collection Practices Act (FDCPA) is a federal law which applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If FBCS Inc. is harassing you over a debt, you have rights under the FDCPA.

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if FBCS Inc. violates the TCPA. Have you received a message from FBCS that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against FBCS.

The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If FBCS took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. FBCS, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 – $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did FBCS Inc. continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to?  If so, we can discuss your rights and potential case under the EFTA.

The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If FBCS Inc. is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.

Several states also have laws to provide its citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above.  North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC, and you’re harassed over a debt, you may receive $500 – $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop FBCS Inc.’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if FBCS violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys’ fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.

THAT’S NOT ALL…

We have helped hundreds of consumers stop phone calls from FBCS Inc., and we know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorneys’ fees and costs.

What if FBCS Inc. is on my Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.

THE GOOD NEWS IS…

If FBCS Inc. is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.Remember: if a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

Complaints against FBCS Inc.

If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by FBCS Inc. Below are some complaints from the Better Business Bureau (“BBB”) and various consumer websites.Here are some of the BBB reviews and complaints against FBCS Inc.:

  1. “I have been receiving several phone calls from this debt collection company. The company is contacting my friend’s telephone number ###-###-####. I am having financial difficulties and my friend allowed me to use her telephone number for job seeking purposes, etc. I would like for this collection company to Cease & Desist communications with telephone number ###-###-####. They are harassing my friend by continuing to contact me via the telephone.”
  2. “I am in the process of a buying a home so naturally I am making sure my credit report looks okay for when the loan processes. Unfortunately when I checked today, shockingly I had 9 collection accounts that affected my credit score tremendously. I had no idea where the debts came from so after calling the debt agency it was from when I  was seen in the ER at a local hospital back in 2010 and 2009. I have never received a bill and have never been contacted by telephone from this company [FBCS] regarding these unpaid accounts or I would have definitely taken care of it before buying a home.”
  3. “This company sent me a letter stating I owed $ to another business which I do not. The first time I called them she was very rude and disrespectful to me. I called the business I was supposed to owe money to and they said I was all paid up and they don’t use FBCS collecting agency. This company is… a scam. They said I needed to pay at least the first $190 on the phone before I hung up the phone on the first call. On the second call when I told them the business said I owed them nothing, they said “oh your account is closed off now, thank you and have a good day.” But the calls were only 2 days apart, and I didn’t pay anything.”

Based on 9 reviews on Google, FBCS Inc. received a 1.7-out-of-5 rating. Here are some of the reviews on Google:

  1. “Called me about a debt that is not on my credit report that is over 7 years old. Have heard absolutely nothing until now. For all I know I don’t owe this debt at all because according to the so called original creditor I do not or have not owed anything to them. They get the one star for a good try on my money.”
  2. “Attempting to collect on a debt that was paid off 9 months ago AND the original debtor says nobody should be attempting to collect for them.”
  3. “I am paying on the debt that they say that I owe and the place of business said that no one is supposed to be collecting for them.”

Can FBCS Inc. Sue Me?

Although anyone can sue anyone for any reason, we have not seen FBCS Inc. sue consumers, and it’s likely that the agency does not sue because they don’t always own the debt they are attempting to collect, and would also need to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If FBCS Inc. has threatened to sue you, contact Mike Agruss Law as soon as possible.

Can FBCS Inc. Garnish my Wages?

No, unless they have a judgment. If FBCS Inc. has not sued you, then the agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen this agency file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If FBCS Inc. has threatened to garnish your wages, contact our office right away.

FBCS Inc. Settlement

If you want to settle a debt with FBCS Inc., ask yourself these questions first:

  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will FBCS remove it from my credit report?
  5. If I pay this debt, will the original creditor remove it from my credit report?
  6. If I pay this debt, will I receive confirmation in writing from FBCS for the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with FBCS Inc., we at Mike Agruss Law are here to help you.

Share your Complaints against FBCS Inc. Below

We encourage you to post your complaints about FBCS Inc. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else! If you are being harassed by FBCS Inc. over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 – $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt-collector pays your attorneys’ fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Mike Agruss Law at (888)-572-0176 to stop the harassment once and for all.

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Submitted Comments

Miles
2 months ago
I received an email from FBCS, Inc. Saying that I owe Citibank/Sears money. That If I don\'t respond by 2/23/24 they\'ll assume its correct. At the bottom of the email it says, \"The law limits how long you can be sued on a debt. Because of the age of your debt, our client cannot sue you for it, and we will not report it to any credit reporting agencies.\" Is there anything I need to do? Should I respond? What can happen if I don\'t respond or pay this?