Who is Forster & Garbus and why are they calling me?

Forster & Garbus is a New York–based debt‑collection law firm that buys defaulted debts (credit cards, student loans, etc.) and contacts consumers to collect them, often via phone.

Are Forster & Garbus phone calls harassment under the FDCPA?

Yes — if they make repeated calls (e.g. more than seven in seven days), use threats, or call at inconvenient times, that can be harassment under the Fair Debt Collection Practices Act.

How many calls from Forster & Garbus count as too many?

Under the CFPB’s rule, more than seven calls from the same collector in seven days may qualify as harassment, and the FDCPA also prohibits “repeated or continuous” calls intended to annoy or abuse.

Can Forster & Garbus legally robocall or spoof numbers?

They must identify themselves and provide a valid callback number. Robocalls or spoofed numbers without prior consent may violate both the FDCPA and TCPA.

What should I do if I’m being harassed by Forster & Garbus on the phone?

Keep a log of each call (date, time, content), send a written cease‑and‑desist letter, and if calls continue, file a complaint with the CFPB or FTC and consider consulting a consumer‑rights attorney.

Can I dispute the debt when Forster & Garbus calls?

Yes — you have the right to request validation of the debt within 30 days of the initial call, and they must cease collection until they provide proof.

Can I sue Forster & Garbus for phone harassment?

Yes — if they violate the FDCPA or TCPA through harassment, threats, or unauthorized robocalls, you may sue and recover damages, including statutory penalties, attorney fees, and more.

Will calls from Forster & Garbus affect my credit score?

Potentially — if they report your debt to credit bureaus or obtain a court judgment, that can negatively impact your credit. You can dispute inaccuracies with the bureaus.

Are Forster & Garbus legitimate or is it a scam?

Forster & Garbus is a legitimate law firm engaging in debt collection. However, many consumers have accused it of making aggressive or misleading calls — if you feel the call is suspicious, insist on written verification.

How can I make Forster & Garbus stop calling me?

Send a written request (cease‑and‑desist letter) instructing them to stop contacting you by phone. If they continue, file complaints with the CFPB or FTC and pursue legal help if needed.

Forster & Garbus Phone Harassment?

Are debt collectors contacting your family, friends, or co-workers about debts you supposedly owe?
Is a debt collector demanding payment without providing proof that the debt is valid?
If so, we’ll take immediate action to stop the harassing calls!
You could be eligible for up to $1,000 in statutory damages.
Remember, you won’t be responsible for any legal fees.

Free Case Review, you will never be charged legal fees. We will respond within 15 minutes via text or email.

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Forster & Garbus Phone Harassment❓

Is Forster & Garbus (FG) calling you? Stop Forster & Garbus LLC 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. You have the legal right to stop Forster & Garbus phone harassment. 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.

Introduction to Debt Collection

Debt collection is the process of pursuing the payment of debts owed by individuals or businesses. Debt collection agencies, like Forster & Garbus LLC, play a significant role in this process. Understanding debt collection and the laws surrounding it is essential for both consumers and businesses.

Understanding Debt Collectors

Debt collectors are companies or individuals that specialize in collecting debts on behalf of creditors. They may use various tactics to collect debts, including phone calls, letters, and emails. However, debt collectors must comply with federal laws, such as the Fair Debt Collection Practices Act (FDCPA), which regulates their behavior and protects consumers from harassment and abuse.

Managing Debt

Managing debt effectively is crucial to avoiding debt collection. Consumers can take steps to manage their debt, such as creating a budget, prioritizing payments, and communicating with creditors. Debt relief options, like debt consolidation or credit counseling, may also be available. It’s essential to understand the different types of debt, including credit card debt, loans, and outstanding debts, to develop an effective debt management plan.

Is Forster & Garbus a Scam❓

According to the Better Business Bureau website, Forster & Garbus has been in business for 48 years. There have been 10 complaints filed against F&G with the BBB.

Who is Forster & Garbus❓

Forster and Garbus is third party debt collector located in Commack, New York. They have been a party to several federal cases based on their issuance of credit and collection of debts incurred on their credit cards. A recent Federal Court cases alleges that Forster and Garbus used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.

🏛️ Forster & Garbus Address: 60 Vanderbilt Motor Parkway Commack, NY 11725-5710

📞 Phone: (631) 393-9400

Additionally, consumers should be aware of their rights to dispute inaccuracies reported by any credit reporting agency.

Forster & Garbus LLC Collection Tactics

Forster & Garbus LLC, like many debt collection agencies, may use various tactics to collect debts. These tactics may include repeated phone calls, letters, and emails. However, if Forster & Garbus engages in harassment or abusive behavior, consumers may have grounds for a complaint. Understanding the tactics used by debt collectors can help consumers protect themselves and assert their rights

Forster & Garbus Phone Harassment Examples

If Forster & Garbus engages 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
🗣️ Talking to others about your debt
🏢 Calling your workplace
⚖️ Threatening to sue you, harm you, destroy your credit, or use illegal tactics to extract payments
❌ 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
📉 Failing to keep accurate details of your credit report and debt collection processes
📄 Ignoring your disputed claims about inaccuracies in your debt
🚨 Refusing to honor a formal cease and desist letter
📵 Continuing to call you after you have requested them to stop calling

Forster & Garbus Phone Numbers

Are you receiving any harassing phone calls from any of the following numbers?

📲 631-393-9400
📲 800-245-9943
📲 (631) 393-9400
📲 (800) 245-9943
📲 6313939400
📲 8002459943

If the answer is yes, then you are receiving calls from a known F&G number. You may be a victim of F&G phone harassment. The list above is not all the numbers that F&G uses. The calls can be from a different number and it still be Forster & Garbus calling you. Contact our office right away so we can start the process to stop F&G from calling you illegally. Above all, no one should live with harassment!

Credit Report Impact

Debt collection can significantly impact credit reports. When a debt is sent to a collection agency, it can be reported to the credit bureaus, which can lower credit scores. Consumers have the right to dispute inaccurate information on their credit reports and may be able to negotiate with the creditor or collection agency to remove the debt from their report. The Fair Credit Reporting Act (FCRA) regulates the use of credit reports and provides consumers with protections against inaccurate or misleading information.

Collection Calls and Federal Laws

Collection calls are a common tactic used by debt collectors. However, federal laws, such as the FDCPA and the Telephone Consumer Protection Act (TCPA), regulate the frequency and content of these calls. Consumers have the right to stop collection calls and may be able to sue debt collectors for harassment or abuse. Understanding federal laws and regulations can help consumers protect themselves from unwanted calls and assert their rights. The Better Business Bureau (BBB) and other consumer protection agencies can provide guidance and support for consumers dealing with debt collectors.

The following is a sample list of complaints filed against Forster & Garbus in the past year and can be found on Pacer.gov.

📋 1:11-cv-04321-ENV-LB Rivero v.
📋 1:98-cv-08132-RO Sierra v.
📋 6:99-cv-06621-MAT Ayers v.
📋 1:12-cv-07917-JEI-KMW Downes v.
📋 2:18-cv-02364-SJF-AKT Gindoff v.

About Us

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 Forster & Garbus LLC harassment. Our office has been assisting consumers since 2010. We offer a free consultation to help you understand your rights and options without any financial risk. If you believe you have a potential case against debt collectors under laws like the TCPA or EFTA, we can provide the legal support you need. 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 Forster & Garbus call us at (877)700-5790 for immediate assistance or visit our website.

Success Stories

🏆 “From the moment I called Consumer Rights Law Firm PLLC, I felt a huge weight lifted. They were clear, honest, and took immediate steps to stop the debt collector that had been harassing me for months. Their legal team was always responsive, and they treated me with compassion and respect. I wouldn’t hesitate to recommend them to anyone dealing with unfair debt collection practices.”
🏆 “I was receiving calls at all hours and felt like I had no control over my life. Consumer Rights Law Firm PLLC stepped in and made the harassment stop. They explained everything in plain language and made me feel like I was in good hands. Thanks to them, I learned my rights and stood up to the abuse. Great firm with a strong mission!”
🏆 “Outstanding service! The team at Consumer Rights Law Firm PLLC knew exactly how to handle my case. They filed a complaint against the debt collectors on my behalf, and within a few weeks, I stopped receiving calls completely. I was even compensated for the harassment. If you’re dealing with this, don’t wait—call them!”

Common Questions

Is F&G a scam❓

No, Forster & Garbus has been in business for 48 years.

Can Forster & Garbus garnish my wages❓

Yes, F&G can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.

Can F&G sue me❓

Yes, F&G can sue you so long as the debt is within the statute of limitations.

Can F&G report my debt to the collections bureaus❓

Yes, Debt collectors are allowed to place the collection account on your credit report

Can F&G 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.

Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.