Are You Receiving Debt Collection Calls from FYP Business Services LLC?
Does it seem like the phone wouldn’t stop ringing? Are you being constantly hounded with calls and messages from FYP Business Services? This is probably because you owe a debt. FYP Business Services and other debt collection agencies task themselves with collecting third-party debt and often go to extreme measures in order to do so, hence the unending and frustrating calls. Often times, being in debt can be vexing and might even be the source of many sleepless nights. However, remember to always maintain your cool when dealing with FYP Business Services or other debt collectors and try not to engage them in a verbal battle.
You probably didn’t know that there are Federal laws that protect consumers like you from FYP Business Services debt collection harassment. They protect you from being harassed and treated unfairly, they also ensure that your human rights are not violated during FYP Business Services debt collection. These laws are called the Fair Debt Collection Protection Act (FDCPA).
Are you wondering why you’re experiencing FYP Business Services debt collection when you have no memory of ever acquiring debts from them, this is because FYP Business Services has purchased your debt from the creditor who you initially owe and as a debt collection agency and they are trying to get you to pay up? It is important to note that not all types of debt are covered by the FDCPA. Businesses debt or individuals who take business loans are not covered, however personal, household, medical and student loans are.
What are debt collectors prohibited from engaging in?
- Pester you with unending calls and messages during FYP Business Services debt collection especially after you have written them a cease letter.
- Contact you before 8 am or after 9 pm. FYP Business Services debt collection calls should never come at odd hours. If that happens, it is FYP Business Services phone harassment.
- Try to get you to pay more than you owe, you are liable for what you owe, not a single cent more.
- Tell you that you have broken the law, treat you like a criminal, or say they would have you arrested.
- Publish false information on your credit record.
- Use abusive and nasty words while addressing you, yell at you, or be generally rude and condescending. This is FYP Business Services phone harassment, and it is totally unacceptable.
- Continue contacting you after they’ve been informed of your legal representation.
- Contact you at your workplace after they have been expressly told not to.
- Threaten to harm you or your loved ones.
- Pose as attorneys or Government officials or serve you with untrue debt information.
- Publish your debt in newspapers, magazines, or on social media.
- Say that they would take away your pension, alimony, child support, or funds of that sort.
TIME BARRED DEBTS
Time-barred debts are simply debts that you cannot be sued for either by creditors or debt collectors because they are too old. They are debts that have reached their statute of limitation.
The Fair Debt Collection Practice (FDCPA) do not allow debt collectors bring a suit or threatening for a time-barred debt. However, if you happen to be served a lawsuit for a time-barred debt, endeavor to respond promptly. It’s costly to assume that your response is of no importance since the statute of limitation of the debt is reached. Anyways, filing a complaint against the debt collector that infringes on your rights with the Federal Trade Commission (FTC) and your State Attorney General is a good idea.
Another thing to note is that, that the debt is time-barred does not automatically cancel the debt. Within the bounds of the law, collectors can still collect time-barred debts using calls and letters. It is your duty to ask the collector if the debt has reached its statute of limitation or not. Knowing this can help you dispute the debt. Again, inquire of the date of the debt and date of last payment. Till he provides this information, the debt collector must stop contacting you.
To settle with a debt collector whose aim is to collect a time-barred debt from you, you first need to carry out a debt validation. Request a written verification of the debt from the debt collector. This should be done within 30days from your initial contact with the debt collector. If you are aware that the statute of limitation is reached and you want the debt collector to stop contacting you, send a written letter telling him that your statute of limitation is reached. Hence, you do not want to be contacted anymore.
If you owe the money, ignoring it is not the best option as it will still remain in your credit history. What’s more? Collectors will continue to try to collect the money due. It’s advisable you make a complete payment because partial payment restarts the statute of limitation and leaves a chance for you to get sued. Again, the interest could be added to the original fees.
On a final note, your rights should not be violated. When necessary, file a complaint with the FTC and your State Attorney General.
Who is FYP Business Services?
FYP Business Services is a third-party collection agency based in New York.
Address: 50 Fountain Plaza, Suite 1700, Buffalo, NY 14202
Phone: (585) 492-1234
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from FYP Business Services. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
Call us at (877)700-5790 for immediate assistance.
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