Bayview Solutions or BVS is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
Bayview Solutions , LLC (BVS) is a debt purchasing and financial services company based in Florida that specializes in third-party debt collection. BVS has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), including improper use of information and threatening to take actions that cannot legally be taken. If BVS has contacted you about past due collection items, be sure you understand your rights before taking action.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB), Bayview Solutions, LLC is a legitimate collection agency founded and incorporated in January 2008. The BBB established a profile page for BVS in August 2008. BVS is listed as a collection agency and judgement recovery firm that uses the alternate business names Bayview Risk Management Capital (BRMC) and Bayview Commercial Recovery. Buzzfile estimates BVS’s annual revenue at $250,000 and the size of its headquarters staff at 2 employees.
The website for BVS, located at www.bayviewrmc.com, is not currently in operation and displays a message that redirects site visitors to a general email address for a web design company. Buzzfile lists an alternate site address for BVS at www.bvs-llc.net. This link leads to the home page of BRMC. According to this website, BRMC “is a model of diversity[,] pooling its talent from a variety of sources, ranging from the banking, collections, and financial service to health care, marketing, and real estate sectors.” Buzzfile links BVS directly to the BRMC webpage, and the BBB indicates that BRMC is an alternate business name for BVS; however, the BMRC website does not mention BVS directly.
BRMC is a debt purchaser, not a collection agency. Their mission is to “create a group environment that promotes learning and sharing of business ideas as it relates to starting a debt collection agency.” BRMC has “developed a series of videos … [that explain] in simple and easy to understand terms how to buy and sell debt.” These videos are available for viewing on their website. After viewing the videos, business owners who wish to enlist the support of BRMC to begin their own collection agency can complete an online questionnaire that asks for some basic business profile information.
BRMC is certified by the Receivables Management Association (RMA). The Consumer Resources link at the top of their home page links directly to the RMA website. Although the RMA website provides links to consumer protection and regulatory agencies, RMA is a trade association that represents the interests of debt purchasers. BRMC does not provide any detailed information about its own regulatory compliance policies, nor does it provide direct links or references to consumer protection resources, laws, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
The BBB has given Bayview Solutions a rating of C, citing BVS’s failure to respond to a consumer complaint. At the same time, the BBB also indicates that is has not received any complaints against BVS. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 13 complaints against BVS. Justia lists at least 3 cases of civil litigation involving BVS.
Bayview Solutions, LLC
111 2nd Ave., NE, Ste., 900
Saint Petersburg, FL 33701-3434
Telephone: (866) 546-9088
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely BVS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here is a Sample Case Complaint:
Complaints against Bayview Solutions, frequently cite problems resulting from efforts to collect debts not owed or from the use of threats and harassment. In May 2017, a complainant stated that he had made several payments to a third-party debt collector several years earlier to pay off a delinquent account. He had resolved the delinquency with a final settlement payment of $2,100.00. Subsequently, the complainant received a call from someone who stated he was from a law firm who stated that there was a claim against the complainant’s property. When the complainant called the number, he was directed to a BVS representative who made a demand for payment of the $2,100 he had paid four years earlier. The complainant stated that he paid the BVS representative because he was afraid of what might happen if he didn’t; however, he also stated that he had previously paid the debt. To clarify the confusion, the complainant requested a detailed statement of all BVS’s records and all his payments regarding the debt. Although BVS promised to send detailed records, the complainant stated that he had never received an itemized summary. The complainant “personally tried to trace back through several debt collection agencies where this bill might have gone wrong.” He stated that the “two companies involved seem to be interested in helping to resolve the issue but are never motivated by time and always have another request after one is met.” He also stated that BVS said they could refund his $2,100 payment, but that doing so would not relieve him of the responsibility of paying for the debt they claimed he still owes.
The complainant appealed to the CFPB for their assistance in resolving several areas of difficulty: Why did he “never receive… a notification of debt from Bayview Solutions LLC? Why had he “never heard of [the] debt in question until he [was] contacted” by BVS? Why was BVS “collecting on a debt that has already been settled upon”? Why was he being asked to “pay more than [his] original debt in its entirety…[and] more than the amount passed to” BVS? And why has he not been sent “a document stating the breakdown of payment”? BVS did not provide a public response to this complaint.
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
You may have a case, if…
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We can absolutely help. Call us today.
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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