Foster and Monroe Phone Harassment?
Is Foster and Monroe (F&M) calling you? Stop Foster and Monroe 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 and the ability to take legal action to stop F&M 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. Experienced attorneys are available to help represent you in these cases and ensure your rights are protected.
Is Foster and Monroe a Scam?
According to the Better Business Bureau website, Foster and Monroe has been in business for 6 years and appears in public records and credit reports as a debt collection company. Foster and Monroe is a legitimate company registered as a debt collection agency. There have been 44 complaints filed against F&M with the BBB. Read more here: Foster and Monroe Better Business Bureau.
Who is Foster and Monroe?
Foster and Monroe are third party debt collector located in West Seneca, New York. They are a debt collection agency. Foster and Monroe may be collecting debts on behalf of the original creditor.
Address: PO Box 1031 West Seneca, NY 14224-8031
Phone: (855) 463-2233
Foster and Monroe Collection Tactics
If Foster and Monroe engage in any of the following tactics while collecting debts owed, 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, 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
If you experience these tactics, you should claim your rights by disputing or challenging the collection practices.
Foster and Monroe Phone Numbers
855-463-2233, 855-306-7366, 844-822-4455, 716-799-5074, 844-401-8462, 716-508-3352, (855) 463-2233, (855) 306-7366, (844) 822-4455, (716) 799-5074, (844) 401-8462, (716) 508-3352, 8554632233, 8553067366, 8448224455, 7167995074, 8444018462, 7165083352, 380-799-7427, 855-304-5142, 855-439-0263, 716-296-4708, 866-309-4164, 757-337-1835, 877-257-1434, 716-508-3337, 866-309-4164, 877-244-1554, 716-508-3399, 380-799-7427, 855-340-8129, 380-799-7432, 757-337-1835, 877-257-1434, 716-508-3337, 716-508-3337, 844-221-3596, 866-309-4164, 877-244-1554, 716-508-3399
If the answer is yes, then you are receiving calls from a known F&M number. You may be a victim of F&M phone harassment. The list above is not all the numbers that F&M uses. The calls can be from different phone numbers, and it still be Foster and Monroe calling you. This practice is called “spoofing” in the debt collection industry, where the caller ID is manipulated to display a different number.
Always verify the identity of the caller before taking any action or providing any personal information. Contact our office right away so we can start the process to stop F&M from calling you illegally. Above all, no one should live with harassment!
Fair Debt Collection Practices: What Are Your Rights?
When dealing with debt collectors such as Foster and Monroe LLC, understanding your rights is your best defense against harassment and unfair practices. Federal laws like the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are designed to protect consumers from abusive tactics and ensure that information reported about your debts is accurate.
The FDCPA sets clear rules for how debt collectors, including third-party agencies like Foster and Monroe, can contact you. They are prohibited from using threats, false statements, or harassing behavior to collect a debt. This means Monroe LLC and other collection agencies cannot call you at unreasonable hours, use profane language, or mislead you about the amount you owe or the consequences of not paying. You also have the right to know the name of the original creditor and to receive accurate information about the debt being collected.
Under the FCRA, you are protected from having inaccurate or incomplete information reported on your credit report. If Foster and Monroe or any other collection agency reports a collection account that is not yours, or includes incorrect details, you have the right to dispute the information. The credit bureau is required to investigate and correct any errors, helping you maintain a fair and accurate credit history.
Complaints Against Foster and Monroe
The following is a sample list of complaints filed against Foster and Monroe in the past year and can be found on Pacer.gov. For example, a common complaint involves repeated collection calls after a debt has already been paid or disputed.
- 📋 4:19-cv-00351-ALM-CAN Cunningham v.
- 📋 1:16-cv-01299-LMM Ledford v.
- 📋 4:18-cv-01613 Jones v.
- 📋 1:15-cv-00047-KAM-VMS Braun v.
- 📋 3:15-cv-06261-MAS-TJB Dolci v.
These are examples of legal actions taken by consumers. Taking action, such as suing Foster and Monroe, can help recover damages for violations of your rights. If you believe your rights have been violated, consider taking action to resolve the issue, whether by disputing the debt, negotiating a settlement, or suing to recover damages.
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. We offer a comprehensive range of services to clients dealing with debt collection harassment, ensuring that you receive the support you need. Rather than suffer alone, contact our office to begin the process to stop the Foster and Monroe 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 Foster and Monroe harassment call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 Consumer Rights is very knowledgeable in what they do. They are very professional and understanding and non-judgmental. Matthew has been there since day one of needing help and he always responds in a timely, professional manner. He explains to you the process and keeps you up to date as well. Highly recommended. Will definitely be my go to when I need help again. Thank you!!😊
- 🏆 I just want to say, Thank You so much Matt! I’m grateful to God that He directed me to click the website. I was overwhelmed with the constant harassment from a debt collector. Thank you so much for all your help. Matt worked all so quick and was able to help me to stop the harassment. I really recommend this law firm, because they really care about the people.
- 🏆 Matthew was unbelievably helpful and made me feel so much better about my situation. And he helped me get rid of four of my outstanding debtors which helped relieve my load so much. i highly recommend working with this firm as they definitely have your interests first and foremost.
Frequently Asked Questions
1. What is Foster & Monroe phone harassment?
Foster & Monroe phone harassment refers to abusive, repeated, or threatening calls made by the debt collection agency Foster & Monroe to a debtor. These calls may violate the Fair Debt Collection Practices Act (FDCPA).
2. Who is Foster & Monroe?
Foster & Monroe (also known as F&M Capital) is a third-party debt collection agency based in West Seneca, New York.
3. How many calls per day can Foster & Monroe legally make?
Debt collectors, including Foster & Monroe, cannot make repeated calls with the intent to harass or annoy. Under FDCPA rules and the Debt Collection Rule, more than seven calls in seven days about the same debt is presumed to be a violation.
4. Can Foster & Monroe call me at work?
No. Under the FDCPA, Foster & Monroe cannot contact you at your workplace if they know your employer prohibits such calls. They also cannot publicly disclose your debt to coworkers.
5. Are they allowed to threaten me with legal action?
No — a debt collector cannot threaten lawsuits, wage garnishment, or arrest unless they actually intend to pursue such legal action. False or empty threats may violate the FDCPA.
6. Can I ask Foster & Monroe to stop calling me?
Yes. You can send a written cease-and-desist letter demanding that Foster & Monroe cease phone calls. Once they receive it, most calls should stop (except in limited legal scenarios).
7. Is Foster & Monroe allowed to use fake phone numbers or spoofing?
No. If they use spoofed or misleading caller ID to hide their identity, that may violate federal rules and be a deceptive practice.
8. Can I dispute the debt Foster & Monroe is calling about?
Yes. You have the right to dispute the debt in writing within 30 days of receiving a validation notice from Foster & Monroe. They must then provide evidence of the debt before continuing collection.
9. Can I sue Foster & Monroe for harassment?
Yes. If Foster & Monroe violates the FDCPA, TCPA, or other consumer protection laws, you may sue them and recover statutory damages (up to $1,000 under FDCPA), plus actual damages, attorney’s fees, and costs.
10. Which laws protect me from Foster & Monroe phone harassment?
Key protections include the Fair Debt Collection Practices Act (FDCPA), the Telephone Consumer Protection Act (TCPA) (for robocalls/automated calls), and the ’s Debt Collection Rule.