Focus Financial Services Debt Collection Harassment?
Is Focus Financial Services harassing you with constant phone calls? 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 may involve aggressive tactics that are illegal and needs to stop. You have the legal right to stop Focus Financial Services phone harassment. Under the FDCPA, you can request that a debt collector stop contacting you, which can help reduce stress from frequent calls. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. The FDCPA sets standards for fair debt collections practices and ensures your legal rights are protected when dealing with debt collectors. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.
Is Focus Financial Services a scam?
According to the Better Business Bureau website, They have been in business since 1984. Focus Financial Services is a legitimate company and not a fake company. Focus Financial Services is legit and operates as a legitimate debt collection agency, but consumers should still be aware of their rights. There have been 11 complaints closed in the last 3 years and 3 complaints closed out in the last 12 months.
Focus Financial Services Better Business Bureau
What is Focus Financial Services?
Address: 3800 S. Congress Ave.Suite #3 Boynton Beach, FL 33426 Phone: (800) 852-4248 Fax: (561) 243-2543
Alternate Business NamePalm Beach Credit Adjustors, Inc.
Focus Financial Services is a collection agency that works to collect debts on behalf of various creditors. Focus Financial Services collect debts from sources such as credit card companies, loan company accounts, and other lenders. The specific creditors that they collect for are not publicly disclosed, so it is not possible to know exactly which companies are involved.
Like other collection agencies, Focus Financial Services must follow legal guidelines when attempting to collect debts.
Focus Financial Services Phone Harassment Examples
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
- Demanding payment through frequent calls or letters
- Talking to others about your debt
- Calling your workplace
- Threatening to sue you, harm you, or destroy your credit
- 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
Known Focus Financial Services Collection Call Numbers
Are you receiving any harassing phone calls from any of the following numbers?
(800) 852-4248(800) 428-0923, (561) 265-0405, (866) 828-5835, (800) 852-4848
If the answer is yes, then you are receiving calls from a known Focus Financial Services number. You may be a victim of Focus Financial Services phone harassment. The list above is not all the numbers that Focus Financial Services uses. The calls can be from a different number and it still be Focus Financial Services calling you. Contact our office right away so we can start the process to stop them from calling you illegally. Above all, no one should live with harassment!
Credit Report Implications of Focus Financial Services Collections
When Focus Financial Services begins collection efforts on a debt, the consequences can extend far beyond persistent phone calls—they can also have a lasting impact on your credit report. As a debt collection agency, Focus Financial Services may report your unpaid debt to the major credit bureaus, resulting in a collection account appearing on your credit reports. This negative mark can severely impact your credit score, making it more difficult to qualify for loans, credit cards, or even favorable interest rates. In fact, a collection account can remain on your credit report for up to seven years from the date of the first delinquency, affecting your financial health for years to come.
It’s important to know that debt collectors like Focus Financial Services must follow fair debt collection practices as outlined in the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). The FDCPA protects you from abusive or deceptive practices, such as harassing phone calls, obscene language, or repeated calls intended to annoy or intimidate. The FCRA, meanwhile, ensures that any information reported to credit bureaus is accurate and gives you the right to dispute any errors or inaccuracies on your credit reports.
If you find a collection account from Focus Financial Services on your credit report, you have several options. First, you can formally request a debt validation letter from the debt collector, which should include details about the original creditor, the outstanding balance, and other relevant information. If you believe the debt is not yours or the information is incorrect, you have the right to dispute the entry with the credit reporting agencies. Removing Focus Financial Services from your credit report may involve negotiating directly with the collection agency, submitting a dispute, or working with a credit repair professional who understands the nuances of federal laws and credit bureau procedures.
In some cases, Focus Financial Services may use aggressive collection tactics, such as repeatedly calling your phone or leaving voice mail messages. If these actions cross the line into harassment or violate your rights under federal laws, you may be entitled to statutory damages, attorney fees, and court costs. Consulting a law firm experienced in debt collection harassment can help you understand your legal options and take steps to stop the unwanted contact.
Ultimately, protecting your credit and financial future requires staying informed about your rights and taking proactive steps to address any negative marks on your credit reports. Regularly monitoring your credit, disputing inaccuracies, and seeking professional help when needed can make a significant difference. If you’re struggling with Focus Financial Services collections or want to remove a collection account from your credit report, don’t hesitate to reach out to a reputable credit repair company or legal professional for guidance. By taking action, you can work toward removing Focus Financial Services from your credit report and safeguarding your financial well-being.
Common Questions:
Is their a scam? No, they have been in business since 1984.
Can they seize my property? They can’t seize your property, but there are some exceptions. If the debt was tied to the property the collector may be able to repossess it. Or, if the collector has sued and obtained a court judgment against you, the debt collector may be able to take certain property as permitted by the court.
Can they sue me? Yes, they can sue you so long as the debt is within the statute of limitations. Debt collection lawsuits are governed by state and federal laws, which set requirements for legal actions and consumer protections.
Can they report my debt to the collections bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report
Can they 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 Focus Financial Services and can be found on Pacer.org. These cases were filed in federal court.
9:18-cv-80230-DMM WITHAM v. PALM BEACH CREDIT ADJUSTORS, INC.
9:18-cv-80214-KAM Jackson v. Palm Beach Credit Adjustors, Inc.
9:18-cv-80040-DMM Knowles v. Palm Beach Credit Adjusters, Inc. et al
9:18-cv-80024-DMM Shinn v. Palm Beach Credit Adjusters, Inc.
0:17-cv-62277-WPD Bechet v. Focus Financial Services
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 Focus Financial Services harassment. 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 even more harassment from Focus Financial Services, call us at
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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