Collection Experts is a debt collection firm which appears to have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. Find out who they are, why they might be calling, and how you can stop them.
FCC Finance is a debt collector located in Dallas, TX. It appears as though there are a variety of different complaints against this collections company alleging violations of the Fair Debt Collection Practices Act (FDCPA). If a debt collector has contacted you, make sure you understand your rights before taking action.
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Is FCC Finance a Scam?
They’re legit. FCC Finance should be considered a legitimate business due to the company’s 26 years of experience. Though this collections company has not been accredited by the Better Business Bureau, the company has received an “A+” rating from the BBB. Therefore, the alleged debt that you may have contacted about should be taken seriously. If you choose not to contact the collections company regarding the account you risk harm to your credit and financial stability. Be wise, do not write off FCC Finance as a scam.
Additionally, this collections company claims that alongside the company’s 20+ years of experience within collections exists a staff with “courteous and knowledgeable processors and underwriters [who] work with home improvement dealers, so no stone is left unturned and no question is left unanswered.” Though this loan company promises to be a professional and reputable business, it is still possible that FCC Finance may still have violated the collectors’ law Lastly, according to dnb.com, this collections company ” 1 total employees across all of its locations and generates $121,720 in sales (USD).”
Who does FCC Finance collect for?
FCC Finance writes on their website that they specialize in generating loans for home improvement purposes. Therefore, this company likely contacted you regarding debt which is owed due to loan financing for home improvement purposes. Though information is provided on the company’s areas of expertise it is still important to clarify with the company about who you allegedly owe. This step in the collections process is crucial because due to the outsourcing of debt, one collection account can turn into many reporting on your credit file if the debt is not properly dealt with.
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. Lemberg Law received an A+ rating from 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 FCC Finance?
FCC Finance has received a few complaints over its time in business. On the Better Business Bureau the company has received 6 complaints in the last 3 years with 3 customer reviews amounting to 1 star overall. FCC Finance has also received 6 Google Reviews, in total awarding the company a measly 2.5 star review. If you believe that this collections company may have violated the FDCPA do not hesitate to contact an attorney and file a complaint or take action by reviewing the company on the BBB or Google Reviews.
It is also possible that this collections company could have been a part of a variety of lawsuits, sanctions, and penalties according to Public Access to Court Electronic Records (“PACER”), which reports all federal complaints within the U.S. federal system’s docket. Take a look at the link above to find out whether FCC Finance falls within this category.
It is illegal to a debt collector to use empty threats to sue you or garnish your wages. The Fair Debt Collection Practices Act prohibits this action. While this act is illegal, debt collectors may choose to garnish wages for consumers whose debt is verified and legitimate. Debt collection agencies can garnish wages through legitimate legal action if a judgement rules in their favor. Therefore, the wisest move to make is to preemptively contact an attorney BEFORE this judgment may occur. Lemberg Law specializes in debt collection cases, and as a company we have advocated for tens of thousands of victims of debt collector harassment. Call us today to find out how we may be able to assist you with your case.
A complainant explains that they took on a loan through FCC Finance 2 years ago for an AC unit. According to the complainant, they were making payments on time until COVID struck and money dwindled due to unemployment. Because the payment then became overdue the complainant tried to contact the collections company. The business responded by harassing the complainant over the phone during work hours. A letter for legal action was sent to the complainant and they have been saving up money to pay the company in order to get caught up. The complainant claims that they have received multiple payments from the complainant since January. Additionally, the son of the complainant has seen a mysterious man outside of the complainant’s home, whom the family believes is tied to the collections company.
FCC Finance Calling You?
Those who have fallen victim to excessive, threatening, misleading or otherwise untimely calls from a third party debt collector are entitled to compensation under The Fair Debt Collections Practices Act (FDCPA). More specifically, this law prohibits collection agencies from pursuing debts via over-the-phone harassment. If you feel as though this law should be applied in your collection discrepancy, contact an attorney to sue the offending collection agency. Likewise, the FCRA regulates the circumstances under and means by which collectors and creditors can report delinquent debts to credit reporting agencies.
Can I sue FCC Finance for Harassment?
Yes. You can absolutely sue. Oftentimes suing is the best course of action considering your case is legitimate and your grievances are serious. Ultimately, Federal Law allows you to protect your FDCPA rights in court via lawsuit. Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. You can recover damages of up to $1,000, plus attorney fees, court costs, and personal damages.
Want to Stop FCC Finance Collection Harassment Now?
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“Fantastic experience! They not only corrected faulty background information that a certain company would not change, I also received a very nice settlement. Given how slow the legal system is, they were lightening fast! They kept me up to speed the whole way. Thanks so much to the lawyers and staff at Lemberg Law!”
“Lemberg Law firm, did a great job representing me against a big and powerful company, they got me a fair but very good deal for me and the company, felling grateful with them.”
Can You Help Me Delete FCC Finance from My Credit Report?
Yes, we would love to 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.