Business Revenue Systems or BRSI 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.
What is Business Revenue Systems?
Business Revenue Systems, Inc. (BRSI) is a third-party collection agency based in Indiana. BRSI has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), such as failing to verify debts and attempting to collect debts not owed. If BRSI has contacted you about delinquent collection items,make sure you understand your rights before you take action.
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Is Business Revenue Systems a scam?
They’re legit. According to the Better Business Bureau (BBB), Business Revenue Systems, Inc. is a legitimate collection agency, founded in 1979 and incorporated in 1982. The BBB established a profile page for BRSI in 2008. Buzzfile estimates BRS’s annual revenue at $30,000.
According to its website, BRSI “takes pride in…effective collection techniques that are designed to maximize the results without compromising the integrity of…clients or the dignity of the consumer.” BRSI states that its “commitment to exceeding…expectations ensures…a higher standard of customer service.”
Who does Business Revenue Systems collect for?
The Business Revenue Systems website occupies only one page and does not provide any detailed information about BRS’s business practices or the types of businesses or industries for whom they collect debts. Instead, BRS provides only a toll-free number and three testimonials from business managers in the regions where BRS does business.
The BRSI website does not include a mini-Miranda identifying them as a bill collector, and there are no links to online payment portals or consumer information. There is no information about BRS’s regulatory compliance policies. In addition, there are no 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.
How many complaints are there against Business Revenue Systems?
As of May 2019, the BBB has closed 4 complaints against Business Revenue Systems in the past 3 years, with none of those complaints closed in the previous 12 months. All of those complaints alleged problems with advertising and sales. Since May 2015, the Consumer Financial Protection Bureau (CFPB) has closed 7 complaints involving BRSI. Justia lists at least 4 cases of civil litigation involving BRSI.
Business Revenue Systems, Inc. 2419 Spy Run Ave., Ste. A Fort Wayne, IN 46805-3262 Telephone: (260) 471-8973 Website: https://www.brsi.net/
Can Business Revenue Systems Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely BRSI 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!
Complaints against Business Revenue Systems cite problems resulting from disputes about the validity of debts and the accuracy of information reported to the credit reporting agencies. In July 2016, a complainant stated that he had discovered an item reported to the credit reporting agencies on his credit report. According to the complainant, BRSI “had the incorrect address and attempted to call him at an old number which he no longer has.” The collection item was for a “medical claim which had been sent to the wrong address.” The complainant allegedly “spoke with the original creditor, and they verified the address was similar but wrong.” In addition, BRSI had “received mail back as undeliverable.” The complainant also alleged that he had “provided updated information for BRSI to submit a request for payment to his insurance, … but since they never heard back from the insurance company, they placed it on his credit report instead of following up.” The complainant questioned how BRSI could have his auto insurance policy information but not his address. In response, BRSI stated that they had been contacted by the complainant and received his “insurance information, which has been passed on to the medical practice for processing.” BRSI had placed the account “on a 90-day insurance hold.” In addition, “after review of the account, and due to the incorrect address information, …BRSI agreed to request deletion from the bureau(s) the next time they transmit a file to them.” The complainant rejected “BRSI’s effort to resolve the complaint, stating that he is “not agreeing… because he does not understand what a 90-day insurance hold means and how that affects the deletion of the record from the credit bureau.” After further clarification from BRSI, including a specific date when the request to delete the item from the complainant’s credit reports had been sent, the complainant accepted BRSI’s resolution.
In June 2016, a complainant stated that he had called Business Revenue Systems “numerous times, and they are unable to tell him if there’s any outstanding balance he owes to them on his credit report.” According to the complainant, there was a balance due for an item attributed to BRSI on his credit report, but he didn’t “recall doing business with the company mentioned… When he called BRSI and provided his name, social security number, and… date of birth, they were allegedly unable to find his record and were not able to see if he owes them anything.” The complainant claimed that he had “never been contacted by the company about this matter and was not even made aware that he owed anything.” The delinquent item had “hurt his credibility and impacted his credit score.” In response, BRSI stated that they were “successfully able to locate the account…and will forward itemization of the charges to the address given in the complaint.” BRSI advised the complainant that “once he has had the opportunity to review the charges, to contact BRSI… for further resolution.”
Business Revenue Systems Calling You?
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).
Can I sue BSRI for harassment?
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.
“Every e-mail sent or phone call made to your firm was answered not only promptly, but virtually immediately. Mr. Hirnyk patiently explained every legal concept – including what was possible and what was not – under existing state and federal consumer law.”
“Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”
“Know that Sergei, and your firm did a good thing. You took on a big company for little people and righted a wrong. For this we are grateful.”
“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.
Can You Help Me Delete Business Revenue Systems from My Credit Report?
We can absolutely help. Call us today.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.