Focused Recovery Solutions , Inc. (FRS) is a third-party collection agency based in Virginia. FRS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failure to verify debts and attempting to collect debts not owed. If you have been contacted by FRS, make sure you understand your rights before taking action.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB), Focused Recovery Solutions, Inc. was founded in 1993 and incorporated in 2000. The BBB established a profile page for FRS in 2003. FRS is listed as a collection agency; insurance claim processing service provider; bill paying service provider; billing service provider; medical billing service provider; and collection systems provider. Buzzfile estimates FRS’ annual revenue at $1 million and the size of its staff at 20 people.
According to its website, FRS “has been successfully serving credit grantors in the Mid-Atlantic since 1993… with a combination of the latest computer and telephony technology and experienced staff that allows us to provide you with the most effective results at a reasonable cost.” FRS’ recovery process “begins with a series of personalized letters combined with telephone communication to maximize debtor contact while maintaining a professional approach.” Additional collection services include nationwide credit reporting and skip tracing; legal referral capability; strong client relationships; and a commitment to employees.
Focused Recovery Solutions is part of a larger organization, The Focused Group, Inc. (TFG). TFG owns FRS and Focused Healthcare Strategies (FHS) which collects exclusively for the healthcare industry.
FRS “offers medical offices a cost-effective alternative to managing all business office functions internally…with professional representatives who can perform billing, follow-up and collection tasks as an extension of client facilities’ business offices from our off-site location for a portion of your accounts, or for all accounts.” TFG employs advanced technology to enable a variety of client reports and increased information security. Their Resources page provides links and references to the American Association of Healthcare Administrative Management (AAHAM); the American Collectors Association (ACA); the Healthcare Financial Management Association (HFMA); the Medical Group Management Association (MGMA); and the Virginia Collectors Association (VCA). Consumer protection resources are limited to a linked reference to the Ask Dr. Debt website, which is hosted by ACA International.
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 closed 4 complaints against Focused Recovery Solutions, in the past three years, with 1 closed in the past 12 months. All of those complaints allege problems with billing and collections. Since May 2015, the Consumer Financial Protection Bureau (CFPB) has received 16 complaints about FRS. Justia lists at least 5 cases of civil litigation naming FRS as the defendant.
Focused Recovery Solutions, Inc.
9701 Metropolitan Court, Suite B
Richmond, VA 23236
Telephone: (804) 323-6746
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely FRS 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 Focused Recovery Solutions frequently cite problems with accurate billing documentation and information reported to the credit reporting agencies (CRAs). In April 2015, a complainant indicated that FRS had reported a negative item on his credit report. The complainant also alleged that prior to reporting the item, FRS had made harassing phone calls up to eight times per day. The complainant had paid the outstanding bill of $75 several months later, but after a year, the item was still appearing on his credit report. The complainant also indicated that he never had received a receipt for payment. He had attempted to contact FRS, but they had told him the account had been closed, and that they no longer had access to it. He had tried to contact the medical provider, but they had referred him back to FRS. The complaint of April 2015 resulted from the complainant’s discovery that three years after this prior contact with FRS, the item still appeared as open on his credit report. In response, FRS indicated that they had never received a payment for the bill. Regardless, they had subsequently closed the account, sent it back to the healthcare provider, and allegedly requested that the item be removed from the complainant’s credit report. As a result of the complaint, FRS requested that the CRAs remove the item. They referred the complainant to the healthcare provider for further assistance.
In January 2015, a complainant indicated he had fallen behind on payments for medical bills resulting from his daughter’s hospital stay. He had originally agreed to payments of $100 per month to FRS until the balance was paid. The complainant indicated that they had agreed the December prior to the complaint that payments would be made on the 30th of every month to coincide with the complainant’s payday. The complainant indicated that on Christmas morning, FRS had processed a $100 payment, leaving the complainant overdrawn and unable to buy food for his children. He requested that the $36 overdraft fee be applied toward his next installment of $100, and that payment occur on the 30th of each month as agreed. FRS declined to post a public response.
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…
“When I first contacted Lemberg Law, I was at my wit’s end, not knowing what to do or how to protect myself against the collection agencies. I felt like I was sinking. After sending in my case evaluation, Lemberg Law quickly threw me a lifeline and turned the tide.”
“Thanks to the staff at Lemberg Law, I have peace of mind again. They worked quickly to find the harassing calls ended and were super considerate when I spoke together. I love the hard work!”
“I am so blessed that during this dreadful, frightening encounter, your company was there to help me. I can not thank you enough.”
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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