EGS Financial Care 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 EGS Financial Care?
EGS Financial Care, Inc. (EGS) is a third-party collection agency based in Pennsylvania. EGS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as failing to provide written verification of debts and using false or misleading information in an effort to collect a debt. If EGS has contacted you about delinquent collection items, make sure you know your rights before you respond.
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Is EGS Financial Care a scam?
They’re legit. According to the Better Business Bureau (BBB), EGS Financial Care, Inc. was founded and incorporated in 1966. The BBB established a profile page for EGS in 1987. The BBB lists EGS as a collection agency that uses the alternate business name, Expert Global Solutions, Inc. Buzzfile estimates EGS’s annual revenue at $266.3 million and the size of its headquarters staff at 300 employees, with an estimated total of 2,900 employees across all locations.
The EGS website consists of only one page, which includes the EGS logo and a link to an e-book entitled, “Elevate the Customer Experience: How to Create a Customer-centric Culture for Your Contact Center.” Beneath the link is the statement, “Delivering an exceptional customer experience matters today more than ever. Transforming your contact center by cultivating a customer-centric culture is essential in retaining and growing your customer base.”
The footer of the page provides information about EGS’s parent company. Specifically, the statement reads, “Alorica, Inc. is the holding company of various direct and indirect subsidiaries, including EGS Financial Care, Inc. (EGS FC), Systems & Services Technologies, Inc. (SST), and Global Receivables Solutions, Inc. (GRSI). EGS FC and GRSI are licensed debt collectors, and SST provides back-office receivables services. Many of Alorica Inc.’s subsidiaries operate under the brand, Alorica, but all remain separate legal entities.”
The remaining links on the EGS page indicate the services that EGS provides, including first party collections, early intervention, back office, fraud, credit services, and financial investigative services. However, all of these links lead to the website for Alorica, Inc. There is no additional information about EGS’s independent business practices; the types of industries and businesses for whom they collect debts; or their regulatory compliance polices. 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 EGS Financial Care?
As of October 2019, the BBB has closed 32 complaints against EGS Financial Care in the preceding 3 years, with 9 complaints closed in the previous 12 months. Most of those complaints alleged problems with billing and collections, although 12 complaints cited problems with customer service.As of November 2015, the Consumer Financial Protection Bureau (CFPB)has closed 4 complaints involving EGS, with an additional 1,814 complaints attributed to Expert Global Solutions, dating back to January 2013. Justialists at least 10 cases of civil litigation involving EGS.
EGS Financial Care, Inc. 400 Horsham Rd., Ste. 300 Horsham, PA 19044-2140 Telephone:(877) 278-2306
Can EGS Financial Care 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 EGS 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!
In April 2019, in United States District Court for the Northern District of Illinois, Eastern Division, a judge issued a decision in a case alleging EGS Financial Care had violated several provisions of the FDCPA, including the prohibition against using false or misleading information in an effort to collect a debt. In this case, the plaintiff had obtained loans to pay for a college education. The loans were owed to the National Collegiate Student Loans Trust (NCSLT). After the loans were disbursed and the plaintiff had left school, he was unable to repay the loan, and it went into default. Initially, EGS was hired by a loan servicer known as FMER to “use all reasonable and lawful efforts to collect the full amount due on all accounts placed… for collection.” Three years later, EGS signed a second agreement, this time with US Bank, who had replaced FMER as the loan servicer. In the second agreement, EGS “agreed to collect student loans held by NCSLT that were ‘pre-default,’ meaning that they had been delinquent for less than 180 days, as well as those that were already in default.” The second agreement stated that EGS “shall administer, manage and oversee collection litigation consistent with the terms of this Agreement.” EGS Financial Care “administered this collection litigation through a network consisting of more than 150 law firms to which EGS Financial Care would refer debts for collection.” One of those law firms was WPR, and in November 2013, WPR filed 3 lawsuits against the plaintiff. “All of the complaints alleged that the plaintiff had entered into loan agreements and failed to make payments on them, thereby breaching the agreements. In addition, all of them included a paragraph…that contained the following language:
‘Pursuant to FDCPA Section…1692g(a) sic, Defendants are informed that the undersigned law firm is acting on behalf of EGS to collect the debt and that the debt referenced in this suit will be assumed to be valid and correct if not disputed in whole or in part within thirty (30) days from the date hereof.’”
The plaintiff filed a lawsuit in February 2014 alleging that the language in this paragraph violated the FDCPA, which states that a “debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.” The court initially dismissed the plaintiff’s lawsuit on the grounds that he had failed to show how EGS’s actions had caused him any harm. However, the plaintiff appealed the decision, and the appeals court ruled that the paragraph cited in the complaint “was ‘misleading and deceptive as a matter of law’ and remanded the case for further proceedings.” The case was eventually certified as a class action.
At the April 2019 hearing, the plaintiff requested that a judgment be made in his favor. EGS also requested that a judgment be made in their favor. In making its decision, the court rejected all of EGS’s arguments, stating that they had only repeated their earlier objections and had ignored all of the previous legal decisions in favor of the plaintiff. As a result, the court issued a judgement in favor of the plaintiff, finding EGS Financial Care and WPR liable for FDCPA violations.
EGS Financial Care 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 EGS 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.
“I used to get up to 15 calls a week from several collection agencies. It got so bad I felt like I should just get a new phone number to make it quit. Happily, I discovered Lemberg Law. They immediately put an end to the calls. Now, when my phone rings I do not dread it.”
“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.
“Prior to contacting you, we had tried repeatedly to handle this matter without threatening litigation. In the end, not only were they unapologetic, but they were dismissive – even of an attorney friend who called on our behalf. Sincerest thanks for resolving this matter for us!”
Can You Help Me Delete EGS Financial Care 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.