FirstStates Financial Services Debt Collection Harassment?
Is FirstStates Financial Services (FSFS) calling you? Stop FirstStates Financial Services phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop.
Repeated calls, text messages, or voicemail messages from a debt collector can be deemed harassment under federal law, especially if the telephone conversation is conducted repeatedly with the natural consequence of causing distress. You have the legal right to stop FSFS
Is FirstStates Financial Services a Scam?
According to the Better Business Bureau website, they have been in business for 10 years.
FirstStates Financial Services Better Business Bureau
Who is FirstStates Financial Services Debt Collection Agency?
They are a third party debt collector located in West Reading, Pennsylvania. FSFS operates as a debt collection agency engaged in collecting various types of debts, including medical debt and mortgage debt. FSFS has been a party to a Federal Court case several times. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. Aggressive practices, such as attempting to coerce payment or using misleading representations about the original creditor or the legal status of the debt, are prohibited.
Address: 200 Reading Avenue
West Reading, PA 19611
Phone: (610) 376-2007
FirstStates Financial Services Fair Debt Collection Practices and Collection Tactics
If they engage in any of the following tactics, you may have a case:
- Using profanity or abusive language
- Calling you before 8:00 a.m. or after 9:00 p.m.
- Calling you multiple times per week
If a debt collector calls more than seven times within seven days to the same called number or telephone number, this is considered harassment. - Talking to others about your debt
- Calling your workplace
If a debt collector called your workplace without your permission, this may violate your rights. - Threatening to sue you, harm you, or destroy your credit
Any threat of civil action or reference to district court must accurately reflect the legal status of your debt. - Telling you or anyone else that you’ve committed a crime
- Calling repeatedly for the wrong person
- Failing to notify you of your right to dispute the debt
- Trying to collect more than legally allowed
Debt collectors must provide meaningful disclosure of the caller’s identity and may only seek location information or acquire location information about you under strict legal guidelines.
Debt collectors may also use text message to contact you, and such communications are also regulated.
In-person contact with persons meeting you for debt collection purposes is also subject to legal restrictions.
Debt collector calls to your mobile telephone or repeated telephone conversations can be documented as evidence.
Debt collectors must provide written communication regarding your debt and must cease further communication if you request it in writing.
FirstStates Financial Services Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
610-376-2007, 610-373-2009, (610) 376-2007, (610) 373-2009, 6103762007, 6103732009
If the answer is yes, then you are receiving calls from a known FSFS number. You may be a victim of FSFS phone harassment. The list above is not all the numbers that FSFS uses. The calls can be from a different number and it still be FirstStates Financial Services calling you. Be sure to document each call, including the telephone number, date, and time. If your debt is reported to a consumer reporting agency, you have the right to dispute any inaccurate information they may have on file. Contact our office right away so we can start the process to stop FSFS from calling you illegally. Above all, no one should live with harassment!
Collection Agency Oversight: Who Regulates FirstStates Financial Services?
The debt collection industry is closely monitored to ensure that debt collectors and debt collection agencies like FirstStates Financial Services follow fair debt collection practices. At the federal level, the Fair Debt Collection Practices Act (FDCPA) sets strict guidelines for how debt collectors can interact with consumers. This federal law prohibits abusive debt collection practices, such as using obscene or profane language, making false threats, or engaging in repeated or harassing debt collection calls.
Oversight of the debt collection industry is primarily handled by the Federal Trade Commission (FTC), which enforces the FDCPA and works to prevent deceptive and unfair business practices. The (CFPB) also plays a significant role, especially when it comes to handling consumer complaints and regulating how consumer reporting agencies manage debt information.
In addition to federal laws, state laws may provide even more protection for consumers. Many states have their own rules that limit the number of phone calls a debt collector can make, prohibit abusive language, and require meaningful disclosure of the caller’s identity. The Better Business Bureau (BBB) also monitors business practices in the debt collection industry, offering consumers a way to report issues and check a collection agency’s reputation.
Debt collectors must obtain prior consent before making certain types of calls and are required to stop calling if a consumer requests it. Under the FDCPA, making more than seven telephone calls within seven consecutive days about a specific debt is considered harassment. If you feel overwhelmed by debt collection calls or believe a debt collector is violating your rights, you have legal options. You can file a complaint with the FTC, CFPB, or your state attorney general’s office, and you may wish to consult with a qualified attorney to protect yourself from further harassment.
Understanding the laws and regulations that govern debt collection practices can help you stand up to abusive debt collection practices and ensure your rights are respected. If you are experiencing debt collection harassment, don’t hesitate to seek help and take action to stop the calls.
Is FSFS a scam? No, they have been in business for 10 years.
Can they garnish my wages? Yes, FSFS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can FSFS sue me? Yes, FSFS can sue you so long as the debt is within the statute of limitations
Can FSFS report my debt to the collection bureaus? Debt collectors may only share information about consumers who allegedly refuse to pay with authorized entities such as consumer reporting agencies.
Can FSFS arrest me?
The following is a sample list of complaints filed against FirstStates Financial Services in the past and can be found on Pacer.org.
1:18-cv-11829-NLH-KMW Lamonaca v. FirstStates Financial Services, Corp,
5:10-cv-02855-MAM Coghlan et al v. FirstStates Financial Services, Corp,
5:19-cv-01908-JLS Wann v. FirstStates Financial Services, Corp,
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 FirstStates Financial Services 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 harassment from FirstStates Financial Services. call us at 855-385-8182 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
Success Stories
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful, and they were familiar with the Collection Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.
“Because of a lie from a third-party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”
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