Are you getting repeated calls from Finance System of Richmond? Whether the calls are about a medical bill, a utility balance, or a debt you do not recognize, you have federal and state legal rights that govern exactly how those calls can happen and what you can do when they cross the line. Finance System of Richmond phone harassment is documented in public complaint records, and the patterns consumers describe calls about debts already paid, calls to wrong numbers that continue despite requests to stop, calls demanding sensitive personal information without identifying the caller can constitute FDCPA violations that entitle you to compensation.
Consumer Rights Law Firm PLLC has been stopping debt collector harassment since 2010. A+ BBB rated. Call (877) 700-5790 or visit our website for a free case review. You pay nothing. If Finance System of Richmond broke the law, they pay our fees.
Quick Facts About Finance System of Richmond
| Detail | Information |
|---|---|
| Full Legal Name | Finance System of Richmond, Inc. |
| Also Known As | Finance System, Inc.; FSR; Radiologybills.com |
| Headquarters | 5703 National Road East, Richmond, IN 47374-2619 |
| Mailing Address | P.O. Box 786, Richmond, IN 47375-0786 |
| Founded | 1955 (incorporated 1973) |
| Ownership | Third-generation family-owned business |
| President | Chris Coleman |
| Chairman | Charles Coleman |
| Main Phone | (765) 962-7507 |
| Toll-Free | (877) 962-7507 |
| Additional Number | (888) 977-9729 |
| Website | financesysteminc.com |
| BBB Status | BBB Accredited since June 17, 2011; A+ rating |
| BBB Complaints (3 years) | 21 total; 8 closed in the last 12 months |
| Industries Served | Healthcare, hospital and radiology billing, utilities, government, education, retail, veterinary, dental, HVAC |
| Debt Types Collected | Medical bills, hospital bills, radiology charges, utility debt, credit card debt, bad checks, defaulted loans, municipal accounts |
Is Finance System of Richmond Phone Harassment Real?
Yes, and the law draws hard lines around what they can do. Finance System of Richmond is a licensed debt collection agency, but that does not exempt it from federal and state consumer protection laws. As a third-party collector, it is fully subject to the FDCPA, meaning any violation is enforceable regardless of whether the debt is valid.
Potential unlawful conduct may include:
- Exceeding the CFPB Regulation F limit of 7 calls per 7 days on the same debt, which can indicate harassment.
- Calling outside permitted hours (before 8 a.m. or after 9 p.m.), which is an automatic FDCPA violation.
- Repeatedly calling wrong numbers after being notified of the error, which may violate FDCPA and TCPA rules.
- Requesting sensitive personal data without first identifying the caller and purpose of the call.
- Attempting to collect or report debts that are already paid, which may also raise FCRA issues.
- Continuing contact after a written cease-and-desist request, which must be strictly honored under FDCPA §805(c).
In our practice, medical debt collection generates some of the most common FDCPA violations we see. A consumer who paid their hospital bill in full, received a clearance from the provider, and is still being called months later by a third-party collector is describing an account where validation and credit reporting accuracy should both be challenged simultaneously. When clients come to us about Finance System of Richmond, we frequently see exactly that fact pattern.
Who Is Finance System of Richmond and Why Are They Calling?
Finance System of Richmond, Inc. is a long-established, family-owned debt collection agency founded in 1955 and based in Richmond, Indiana. It collects accounts for a wide range of clients, including healthcare providers, government entities, financial institutions, education, and retail.
It also operates under the name Radiologybills.com, reflecting a strong focus on medical and radiology-related debt collection. The company works with organizations across healthcare billing, insurance-related balances, and hospital systems.
According to its business profile, FSR may also handle:
- Medical and hospital bills (its primary category)
- Radiology and imaging charges billed separately from hospitals
- Utility and municipal accounts
- Education and dental-related debts
FSR is affiliated with industry organizations such as ACA International and HFMA and reports compliance certifications like HIPAA and SOC 2 Type II for handling sensitive healthcare data.
If FSR is contacting a consumer, it is typically because an account has been placed for collection by one of its client industries. However, like all third-party collectors, it is still fully subject to the FDCPA and related state and federal consumer protection laws, and must follow strict rules regarding communication, validation, and fair collection practices.
One thing consumers often misunderstand about medical debt collectors is that receiving a call from Finance System of Richmond does not automatically mean your insurer has finished processing the claim. We frequently see accounts placed for collection while insurance disputes are still active. Before acknowledging or paying any amount FSR claims, confirm with your insurer that the account has been fully adjudicated and that any consumer responsibility has been correctly calculated.
Is Finance System of Richmond Legitimate or a Scam?
BBB Complaints: What Consumers Are Actually Reporting
Source: Better Business Bureau
The Better Business Bureau profile for Finance System of Richmond shows 21 complaints in the last three years, with 8 closed in the last 12 months. The company is BBB Accredited. Here are three verified complaints from the live BBB page, in consumers’ own words.
- Complaint 1: Consumer alleges Finance System of Richmond left repeated voicemail messages on a phone number belonging to a wrong-number recipient (former owner of the line) despite requests to stop, and the account was later resolved after the number was removed; such conduct may implicate FDCPA §805(b) if debt-related information was repeatedly communicated to a third party.
- Complaint 2: Consumer alleges they were pursued for a medical debt despite providing proof of payment and confirmation from the original creditor that the balance was cleared, with disputed reporting to TransUnion; inaccurate reporting or continued collection after proof of payment may raise potential FDCPA and FCRA §623 furnisher accuracy concerns.
- Complaint 3: Consumer alleges a call was made without proper identification of the caller, followed by requests for sensitive personal information (SSN and date of birth) before explaining the purpose of the call; such conduct may raise concerns under FDCPA §807(11) regarding required disclosure that the communication is from a debt collector.
Federal Lawsuits Filed Against Finance System of Richmond
Finance System of Richmond has been named as a defendant in multiple federal consumer protection lawsuits. These are verified cases from public court records.
Source: CourtListener
Freeman v. Finance System of Richmond
Plaintiff Carrie Freeman filed a complaint against Finance System of Richmond in the Southern District of Indiana on February 23, 2016. The parties reached a settlement and jointly moved to dismiss the case with prejudice. The dismissal order was signed by Judge Sarah Evans Barker on June 2, 2016.
What this means for you: Cases that settle quickly after filing as this one did often resolve that way because the collector and the consumer reached a private agreement. Full court records, including the complaint, require a PACER account to access. The case demonstrates that FDCPA claims against Finance System of Richmond have been filed in federal court and resolved through legal process.
Source: PacerMonitor
Baughman v. Finance System of Richmond
A federal complaint was filed against Finance System of Richmond in the Northern District of Indiana on November 22, 2024. This is the most recent federal case in the public record. Full details require PACER access.
What this means for you: Federal FDCPA litigation against Finance System of Richmond has continued into 2024. The FDCPA provides a one-year statute of limitations on claims, running from the date of the alleged violation. If Finance System of Richmond has violated the FDCPA in the last twelve months, your window to file a federal claim is still open.
Note: Full federal court records are available through PACER (pacer.gov). A PACER account is required for document-level access. Case names, docket numbers, and filing dates cited above are verified from public sources.
Your Full Legal Rights When Finance System of Richmond Is Calling You
- FDCPA (Fair Debt Collection Practices Act): Finance System of Richmond, as a third-party collector, is fully subject to the FDCPA. This includes limits on call frequency (7-in-7 rule), call time restrictions (8 a.m. to 9 p.m.), required validation notice within five days of first contact, obligation to stop collection after a timely written dispute, prohibition on third-party disclosure, and honoring cease-and-desist requests. Violations may result in up to $1,000 per case plus actual damages and attorney fees.
- TCPA (Telephone Consumer Protection Act): Applies if the company uses robocalls or automated dialing systems to contact cell phones without prior consent. Each unlawful call may carry $500 in damages, or $1,500 for willful violations. Consent can be revoked at any time.
- FCRA (Fair Credit Reporting Act): Applies if inaccurate information is reported to credit bureaus, such as incorrect balances, duplicate debts, or accounts that do not belong to the consumer. Credit furnishers must investigate disputes within 30 days.
- Indiana Deceptive Consumer Sales Act (IC § 24-5-0.5): Treats FDCPA violations as deceptive acts under state law, allowing compensatory and punitive damages, attorney fees, and class actions (with required pre-suit notice).
- Indiana Collection Agency Licensing (IC § 25-11-1): Requires all collection agencies operating in Indiana to be licensed. Unlicensed collection activity may itself be a legal violation.
- Indiana Statute of Limitations: Most consumer debts (including credit cards and medical debt) have a six-year limitation period. After this period, lawsuits are generally barred unless a judgment already exists. Making a payment or written acknowledgment may restart the limitation period.
Finance System of Richmond FDCPA Violation Table
| Violation | Real Example From BBB Record | Statute | Remedy |
|---|---|---|---|
| Calls before 8:00 a.m. or after 9:00 p.m. | Early morning or late-night calls about a medical bill | FDCPA §805(a)(1) | Up to $1,000 per violation |
| More than 7 calls in any 7-day period | Daily calls about a single account | Reg. F, 12 C.F.R. §1006.14 | Presumption of harassment; up to $1,000 |
| Calls to workplace after consumer asked them to stop | Collector calls employer despite prior request | FDCPA §805(a)(3) | Up to $1,000; actual damages |
| Disclosing debt to a third party via voicemail or direct contact | Voicemails left for previous phone number owner | FDCPA §805(b) | Up to $1,000; actual damages |
| Continuing contact after written cease-and-desist | Calls continue after certified letter demanding they stop | FDCPA §805(c) | Up to $1,000 per call after confirmed receipt |
| Failure to send validation notice within 5 days of first contact | Consumer never received notice of debt, rights, or creditor | FDCPA §809(a) | Up to $1,000; collection must halt |
| Collecting a debt already paid with documented proof | Pursuing balance consumer had receipts showing as cleared | FDCPA §807 | Up to $1,000; actual damages |
| Reporting inaccurate balance to credit bureaus after proof of payment | TransUnion entry reported despite receipts showing zero balance | FCRA §623 | Actual damages; statutory damages; attorney fees |
| Failing to identify as a debt collector before requesting personal data | Call opened with SSN/DOB request before company identification | FDCPA §807(11) | Up to $1,000; actual damages |
| Continued automated calls to cell phone without consent | Repeated calls to wrong number after owner notified | TCPA, 47 U.S.C. §227 | $500 to $1,500 per call |
What To Do Next: 5 Steps to Stop Finance System of Richmond
Step 1: Start a call log immediately. For every call, record the date, exact time, the number that appeared on your caller ID, whether it was a live person or a recording, the name of any representative, and exactly what was said. If they leave voicemails, do not delete them. Screenshot them and email them to yourself. This log is the foundation of any legal claim. If you received calls before reading this, reconstruct as much as you can from your phone’s call history.
Step 2: Do not confirm the debt or pay before validating. If this is the first time Finance System of Richmond has contacted you, you have 30 days to request written validation. Do not acknowledge the debt orally or in writing, and do not make any payment before you have confirmed the debt is valid, the amount is accurate, and the account has not passed Indiana’s six-year statute of limitations. Making even a small payment can restart the limitation period.
Step 3: Send a debt validation letter by certified mail within 30 days. Demand written proof of the amount owed, the name of the original creditor, and documentation of the chain of account ownership. Upon receipt, all collection must stop until written verification is provided. Send to: Finance System of Richmond, Inc., 5703 National Road East, Richmond, IN 47374-2619. Certified mail only. Keep your receipt and the green return card.
Step 4: Send a cease-and-desist letter by certified mail if the calls are excessive, threatening, or continue after prior requests. Under FDCPA §805(c), once FSR confirms receipt, they may only contact you to confirm they are stopping or to notify you of legal action. Every call after that is a separate, documentable violation. Same mailing address. Certified mail only.
Step 5: File regulatory complaints and call a consumer attorney. File with the FTC. File with the CFPB. File with the Indiana Attorney General’s Consumer Protection Division at the Indiana Attorney General’s office. If robocalls to your cell phone are involved, file separately with the FCC. Then call Consumer Rights Law Firm PLLC at (877) 700-5790 or visit our website for a free case review. If Finance System of Richmond violated federal law, they pay our attorney fees. You pay nothing.
Consumer Rights Law Firm PLLC
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. Rather than suffer alone, contact our office to begin the process to stop the Finance System of Richmond harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent even more harassment from Finance System of Richmond, call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- âAfter being harassed by debt collectors for months, I was exhausted and unsure of my rights. I reached out to Consumer Rights Law Firm, and from the first phone call, I felt heard and understood. They explained everything clearly and acted quickly to put a stop to the illegal robocalls. Thanks to their hard work, the harassment stopped, and I even received a financial settlement. Iâm so grateful for their support.â
- âI didnât realize debt collectors had crossed a legal line until I spoke with Consumer Rights Law Firm. Their team patiently walked me through my rights under the FDCPA and TCPA, and they took immediate action. Within weeks, the aggressive calls disappeared. They even helped me file a claim and win compensation. Their compassion and expertise truly changed my life.â
- âI was overwhelmed by nonstop calls from a collection agency using spoofed numbers and robocalls. I contacted Consumer Rights Law Firm in desperation, and they responded with urgency and professionalism. They took over the case, filed the necessary complaints, and completely shut the collectors down. Their legal knowledge and dedication gave me peace of mind I hadnât had in months.â
FAQs
Who is Finance System of Richmond?
Finance System of Richmond is a third-party debt collection agency that collects unpaid accounts, often for medical or utility bills. Calls usually concern a debt they believe you owe.
Is Finance System of Richmond a real debt collector or a scam?
They are a legitimate debt collection company based in Indiana, but you should always verify any claimed debt with written documentation before responding.
Can Finance System of Richmond legally harass me with phone calls?
No. Harassment is illegal under the FDCPA and TCPA. Repeated, unwanted, or abusive calls may allow you to file complaints or take legal action.
What should I do if Finance System of Richmond keeps calling me?
Keep detailed records of all calls, request written communication, and send a cease-and-desist letter if calls continue. Consider consulting a consumer rights attorney.
Can I sue Finance System of Richmond for phone harassment?
Yes. If they violate federal consumer protection laws by using threats, robocalls, or calls without permission, you may recover damages for each violation.
Does Finance System of Richmond use robocalls or spoofed numbers?
Some consumers report automated calls and local-number spoofing. Calls made without consent may violate the TCPA.
Can Finance System of Richmond contact my employer or family members?
No. Debt collectors are generally prohibited from discussing your debt with anyone other than you, your spouse, or your attorney.
How can I stop Finance System of Richmond from calling me?
Send a written request under the FDCPA asking them to stop contacting you. If they continue, report to the CFPB, FTC, or seek legal counsel.
