Financial Business Consumer Solutions Phone Harassment?
If you have been enduring Financial Business Consumer Solutions phone harassment, you may be wondering what it’s about. Just in case you do not know who they are, Financial Business Consumer Solutions is a third-party debt collector and they may have been contacted by your creditor and asked to call you to recover your debt. FBCS works on behalf of creditors to recover debts owed to them. Financial Business Consumer Solutions has the right to call you and send you letters over the collection of a delinquent debt.
Many things can happen during Financial Business Consumer Solutions debt collection. You’ll get calls, letters, and emails from them, all trying to get you to pay what you owe. FBCS can easily continue their collection efforts if the debt remains unpaid. However, one thing is prohibited and that is FBCS, Inc. phone harassment.If during the FBCS debt collection process you start getting harassed, your rights under the FDCPA may have been violated and you can get justice for yourself.
The FDCPA is a federal law that helps protect debtors against FBCS, Inc. phone harassment and all forms of harassment from debt collectors. The FDCPA gives you the right to sue any debt collector who harasses you. If you are worried about how to respond to FBCS, remember that prompt action can help ease your concerns and protect your rights. So if you have been putting up with FBCS, Inc. phone harassment, you do not have to do so anymore. You can sue them for FBCS, Inc. debt collection harassment and we can help you do that. Reach out to us today
When dealing with FBCS, you can choose how to respond—whether by seeking legal help, responding directly, or exploring other options that best fit your situation.
Common debt collection terms simplified
Are you new in the debt market and often find yourself lost in all the terms and abbreviations you come across daily? We here to help you. As a debtor, there are certain terms that are used to address situations, agencies, and persons that center on the whole phase of being in debt. You must know the vocabulary, so here’s what you need to know:
- A Debtor is a person, or firm, that owes money to another person or firm.
- A Creditor is a person or firm, that is directly owed money by a debtor.
- A Debt Collector is a person or an agency that is responsible for collecting past due debts from a debtor on behalf of a creditor.
- A First-party collection agency is the subsidiary of the original company that is being owed money.
- A third-party collection agency is a different company that is contracted to collect debts on behalf of the original creditor.
- The Fair Debt Collection Practices Act (FDCPA) is an enacted law that protects the rights of the debtor against harassment from the third party debt collection agency.
- Harassment is any means of annoying, intimidating, and disturbing a debtor either by persistent calls, threats of violence made by the debt collector, or calls received at odd hours.
- Delinquent debt is a debt for which the payment date has passed (even if it is by a day).
- A Scam call is a fraudulent call that seeks to deceive a debtor or even someone that isn’t in debt to pay a debt that is non-existent.
- A Lawsuit is a case in a court where two parties, in this case, the debt collector and the debtor, disagree peacefully and get to reach an agreement.
- An attorney is a lawyer or a legal practitioner that advises or represents a person, in this case, you, the debtor, in legal matters.
- Verification is the process of confirming the legitimacy of a debt, often by requesting a verification letter from the debt collector to ensure the debt is valid and to dispute it if necessary.
- Victims are individuals who have suffered harm or loss due to data breaches, identity theft, or harassment by debt collectors. They have specific rights and legal protections after experiencing fraud or unauthorized use of their personal information.
Having a proper understanding of these few terms will help your vocabulary whenever you find yourself in debt and need to communicate with a debt collector. Don’t be a victim of scam calls and harassment; know your rights and know peace.
Is Financial Business Consumer Solutions a Scam?
FCBS financial services is not a scam. The company was founded in 1982 under the name federal bond collection services, establishing its roots in specialized debt collection. In 2014, the company underwent a significant changing of its identity by rebranding from federal bond collection services to Financial Business Consumer Solutions. According to the Better Business Bureau website, Financial Business Consumer Solutions has been in business for 37 years. There have been 56 complaints filed against FBCS with the BBB. Read more about it here: Financial Business Consumer Solutions Better Business Bureau
Who is Financial Business Consumer Solutions?
Financial Business Consumer Solutions or FBCS is a third-party debt collector located in Hatboro, Pennsylvania. They majorly focus on collecting debts such as medical bills, utility bills, student loans, and credit card debt.
Contact Information
Address: 330 S Warminster Rd Ste 353
Hatboro, PA 19040-3433
Phone: (800) 220-2018
To learn more about Financial Business Consumer Solutions, visit their website or contact them directly for additional information.
Data Breach Concerns and Protection
Recently, FBCS experienced a significant data breach that compromised the personal and financial information of nearly 2 million consumers. If you have been contacted by FBCS or suspect your data may have been affected, it’s crucial to take immediate steps to protect yourself from potential identity theft and fraud. Start by regularly checking your credit reports from all three major bureaus—Experian, Equifax, and TransUnion—for any unfamiliar activity or accounts. You can access your credit reports for free and set up alerts for suspicious activity through services like Credit Karma.
If you notice any signs that your information has been compromised, consider placing a credit freeze or fraud alert on your credit file to prevent unauthorized access. Report any suspicious activity directly to the credit bureaus and monitor your accounts closely. FBCS is offering free credit monitoring services to consumers affected by the breach, which can provide an extra layer of security and help you detect any unusual activity early. Remember, staying proactive and informed is the best way to protect your personal and financial data in the wake of a breach. If you suspect your information has been compromised, take action quickly to minimize your risk and secure your financial future.
Financial Business Consumer Solutions Phone Harassment?
Are you receiving any harassing phone calls from any of the following numbers?
215-320-5761, 800-220-2018, (215) 320-5761, (800) 220-2018, 2153205761, 8002202018.
If the answer is yes, then you are receiving calls from a known FBCS number. You may be a victim of Financial Business Consumer Solutionsphone harassment. The list above is not all the numbers that FBCS uses. The calls can be from a different number and still be Financial Business Consumer Solutions calling you. Individuals receiving these calls may be subject to debt collection actions by FBCS. Contact our office right away to safeguard yourself against harassment from FCBS collections or any other debt collection agency. Responding promptly to calls or letters from FBCS is crucial to protect your rights and avoid further legal or financial consequences.
If you wish to report harassment or request assistance, please submit your contact information through our website or by phone.
Introduction to Phone Harassment
Financial Business and Consumer Solutions (FBCS) is a nationally licensed debt collection agency that works with both commercial and consumer debts. If you have received calls from FBCS, it’s important to know that, as a consumer, you have rights and protections under federal law. The Fair Debt Collection Practices Act (FDCPA) was created to safeguard consumers from unfair or abusive practices by debt collectors, including phone harassment. This means FBCS and other business and consumer solutions agencies are prohibited from using threatening language, making repeated or excessive phone calls, or providing false or misleading information in connection with your debt.
If you feel overwhelmed by the frequency or tone of calls from FBCS, or if you suspect that your rights are being violated, you are not alone. Consumers have the right to request that debt collectors stop contacting them, and you can file a complaint with the Federal Trade Commission (FTC) if you believe you are experiencing harassment. Additionally, reaching out to a consumer protection attorney can help you understand your options and take action to protect yourself. This article will guide you through the steps you can take to respond to phone harassment, verify the legitimacy of contacts, and ensure your rights as a consumer are respected when dealing with financial business and consumer solutions agencies like FBCS.
Common Questions
Is FBCS a scam? No, Financial Business Consumer Solutions has been in business for 37 years.
Can Financial Business Consumer Solutions garnish my wages? Yes, FBCS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can FBCS sue me? Yes, FBCS can sue you so long as the debt is within the statute of limitations
Can FBCS report my debt to the collections bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report
Can FBCS arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
The following is a sample list of complaints filed against Financial Business Consumer Solutions in the past year and can be found on Pacer.org. Each case is identified by its case number for easy reference:
Case number 3:17-cv-00733-FLW-TJB Brown v. Financial Business and Consumer Solutions, Inc.
Case number 3:18-cv-01242-B Peterson v. FBCS Inc et al
Case number 8:18-cv-02128-TMC Goldson v. FBCS Inc et al
Case number 3:18-cv-00281-DB Medellin v. Financial Business and Consumer Solutions, Inc.
Case number 2:16-cv-02738-JCM-CWH Patton v. Financial Business and Consumer Solutions, Inc.
Resolving these legal actions or complaints can take a significant amount of time, as court proceedings and negotiations are often lengthy.
We encourage you to review the details of these cases on Pacer.org for more information.
Some of these complaints were discovered through public records or consumer reports.
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Our firm has helped thousands of people put an end to debt collection harassment. Rather than suffer alone, contact our office to stop the harassment from FCBS collections. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from Financial Business Consumer, call us at for immediate assistance or visit our website at www.consumerlawfirmcenter.com. Remember, do not share sensitive personal information with debt collectors unless you have verified the legitimacy of their request.
Check out the links below for more information: