FBCS,Inc

FBCS, Inc was founded in 1982 and is based out of Hatboro, Pennsylvania. They have offices in Cape May, New Jersey, Tampa, and Florida. FBCS, Inc is a collection agency specializing in various industries including Consumer Credit, Healthcare, Commercial Recovery, Student Loans, Auto Loans & Leases, and Utilities. If you want your collections removed today, call them at (716) 557-7812 for a free credit consultation. They have helped many individuals in similar situations and have paralegals ready to assist you.

You can also reach them via email at info@cpgcomplete.com.

Additional BBB Reviews

Complaint Type: Billing/Collection Issues

Kristie (or Christie) contacted my home number (972-********) from FBCS, Inc and asked me to verify my name and my birthdate, which was inaccurately stated as July 1965. I refused to confirm any details without further clarification about the call’s purpose. This was the second contact from this company, and I want to know if the call is legitimate and to stop these communications.

Complaint Type: Billing/Collection Issues

I disputed a debt on my credit report that I have no knowledge of. It was reported as opened in November 2020 by ***** Financial Services LLC. I request this debt be removed from my credit report.

Complaint Type: Billing/Collection Issues

This company is a debt buyer. I asked them to validate the debt, but they couldn’t provide the necessary information. They claimed I owed 1667, yet they couldn’t offer documentation. I want this removed from my credit report, and I wish for them to cease all contact.

Can FBCS, Inc Collections Be Removed?

Depending on your situation, it may be possible to have your collections removed, settled, or improved. It’s advisable to review your account with FBCS, Inc to determine the best course of action. Contact us today to explore how we can assist you.

Should I Contact or Pay FBCS, Inc?

Engaging with a collection agency can be risky. Making payments can reset the debt collection clock and worsen your situation. However, in certain cases, paying a collection account may be advisable, particularly if it’s recent and confirmed as legitimate. Working with a professional credit repair service can be beneficial; they have successfully removed millions of negative items from collections like FBCS, Inc for clients nationwide.

Will FBCS, Inc Sue Me or Garnish My Wages?

The likelihood is low, but you should engage with Consumer Protection Group to alleviate this concern. They can assist in filtering disputes and potentially indemnifying your credit report to avoid future complications.

What is Wage Garnishment?

Wage garnishment is a court-ordered collection method that deducts funds directly from an employee’s paycheck. This approach can have serious implications depending on state laws and may not be permissible in all jurisdictions. Additionally, threats of foreclosure or property auctioning by FBCS, Inc are illegal and unauthorized.

FBCS, Inc Complaints

If a collector harasses you, consider filing a complaint. The Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB) can provide support, as they oppose harassment in collection practices. Inaccurate information can lead to complaints against the collection agency, offering protection against intimidation tactics.

How Collections Affect Your Credit

Your credit score can suffer due to various factors, such as missed payments or exceeding credit limits. Late payments often lead to a collection, negatively impacting your credit history. Collection agencies communicate with each other, meaning that any flagged account can further stain your credit score and hinder your ability to renew credit.

Your Rights When Dealing with FBCS, Inc, P.C.

The Fair Credit Reporting Act provides strict regulations governing collection agency activities. This law ensures your protection from harassment and abuse. Key rights include:

• Your personal data is protected.
• FBCS, Inc cannot publicly label you as a debtor.
• They must validate their authority to collect debts.
• Your credit report should remain free of inaccuracies.
• Collectors have 30 days to prove their claims.
• You are protected from wrongful legal action.

More Tips on Dealing with FBCS, Inc

Avoid direct communication with collectors, as they may attempt to trap you into sharing information. If they persist, request that all correspondence be in writing and ignore calls after informing them of this preference.

Document all communication, especially if you choose to engage via phone. Recording conversations can provide essential evidence, but be aware of state laws regarding consent.

Do not reveal personal details or act guilty. It is crucial not to provide false information during interactions, as this could complicate your situation further.

Do not let collectors intimidate you. Understand your rights and be cautious of promises they may make, as they may attempt to bribe you into silence.

What is FBCS, Inc?

FBCS, Inc is a legitimate debt collection agency. However, many complaints exist regarding potential violations of the Fair Debt Collection Practices Act (FDCPA). Knowing your rights is essential before reaching out to them.

Is FBCS, Inc a Scam?

FBCS, Inc is a recognized company involved in debt collection. Although some consumers feel they may have been helped, many also allege violations of FDCPA.

Who Does FBCS, Inc Collect For?

They typically work with various clients, including credit card companies and student loan providers. If contacted, it may relate to an alleged student loan debt. Contact us for assistance if you’re facing collection efforts from FBCS, Inc.

How Many Complaints Against FBCS, Inc?

Numerous complaints have been filed against FBCS, Inc, with a poor rating on their Better Business Bureau page. Many allegations revolve around FDCPA violations and inaccurate debt reporting.

Can FBCS, Inc Sue Me or Garnish My Wages?

FBCS, Inc cannot legally threaten to sue or garnish your wages without due process. If you face these threats, contact us for guidance to safeguard your assets.

Can You Help Me File a No Fee Lawsuit Against FBCS, Inc?

You can indeed sue a debt collector, but resolving the issue before taking legal action is advisable for less stress and a better outcome.

FBCS, Inc. Calling You?

Familiarize yourself with the Fair Credit Reporting Act (FCRA) to understand your rights and the limitations collectors face. Additionally, explore the Telephone Consumer Protection Act (TCPA) for further protection.

Can I Sue FBCS, Inc for Harassment?

You have the right to sue FBCS, Inc for any breach of consumer rights under the FCRA. Compensation can reach up to $1000 for victims of harassment, as federal law supports consumers like you.

Want to Stop FBCS, Inc Debt Collection Harassment Now?

Consider pursuing legal action if collectors:

• Call you at inappropriate times.
• Contact family members regarding your debt.
• Attempt to collect more than you owe.
• Use abusive language.
• Engage in threatening behavior.
• Falsely accuse you of criminal activity.
• Contact your employer about your credit.
• Employ intimidation tactics.
• Use prank calls to gauge your availability.