TSC Accounts Receivable Solutions (TSC) is a third-party collection agency based in Southern California that specializes in collecting delinquent medical bills. TSC has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including making false statements and failing to verify debts. If you have been contacted by TSC, make sure you understand your rights before responding.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB), TSC Accounts Receivable Solutions is a legitimate collection agency founded in 2006. The BBB established a profile page for TSC in 2010. TSC is listed as a collection agency. Buzzfile estimates TSC’s annual revenue at $317,000 and the size of its staff at 4 employees.
According to its website, TSC “is an innovative, nationwide accounts receivable management company and full-service collection agency.” TSC’s “core belief is to provide value-added services to…customers that enable them to better manage their accounts receivable, … increase the money recovered from…delinquent accounts, reduce write-offs, and improve…internal efficiency.”
TSC’s services are comprised of three main divisions—pre-collection, bad debt collection, and consulting. TSC’s pre-collection division “incorporates a letter campaign or telephone messaging campaign into their clients’ current billing processes.” If TSC is unable to secure payment with its pre-collection service, accounts are sent to the bad debt collections division. This division “uses a modern state-of-the-art collection software application called Collect Savvy” and a collection staff “trained on proper and respectful debt collection techniques and compliance with state and federal collection laws.” TSC’s consulting division helps clients “review current protocols and procedures to determine areas that are deficient and could be improved upon, or that are working correctly.”
TSC’s “predominate mix of business… is healthcare related…However, TSC also collects commercial debt, property management, day care, private schools, telecom, attorneys, and judgement collections.” TSC also has “an attorney who handles civil litigation.”
TSC cites membership in several professional associations, including the California Association of Collectors and the International Association of Credit and Collection Professionals. However, their website is designed for clients and does not include an easily accessible page for consumers with links and references to resources, laws, and 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 closed 3 complaints against TSC Accounts Receivable Solutions in the preceding 3 years, with 1 complaint closed in the past 12 months. All of those complaints alleged problems with billing and collections. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has closed 15 complaints against TSC. Justia lists at least 2 cases of civil litigation involving TSC.
TSC Accounts Receivable Solutions
2701 Loker Ave., W., Ste. 270
Carlsbad, CA 92010
Telephone: (760) 757-0750
Website: http://www.tscarsolutions.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely TSC 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. Here are some Sample Complaints
Complaints against TSC Accounts Receivable Solutions commonly 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 indicated she had placed fraud alerts on her credit reports with the credit reporting agencies, and “was shocked when…she checked…her credit reports to see 14 accounts added by TSC that” she alleged were not hers. She confirmed that one of the debts was correctly attributed to her name and social security number, but she insisted that she was not responsible for paying it. As for the other 13 delinquencies, she alleged they were not even her debts to begin with. In response, TSC confirmed that 13 of the items reported on her credit reports belonged to an individual or individuals with “a close name association,” but that they were incorrectly reported by the credit reporting agencies. TSC closed those accounts and notified “the credit bureaus to be sure to delete them from this consumer’s credit record.” As for the correctly reported item, TSC alleged that the “bill is correct and is unpaid.”
The complainant rejected TSC Accounts Receivable Solutions’ attempted resolution, indicating she had spoken “with someone from TSC last year after they placed…her name on a bill.” Allegedly, “the representative advised her that the bill was actually not…her bill nor in…her name and asked if …she had other family members…with the name they provided… The representative advised at that time that she was removing the debt.” The complainant stated that she “heard nothing else until …she received the alert on her credit report.” As a result, the complainant requested that TSC “send…a validation of debt…pursuant to… the FDCPA…that provides… competent evidence that she has any legal obligation to pay.” She also stated that if TSC “continues to report invalidated information to any of the three major credit bureaus (Equifax, Experian, Trans Union), this action might constitute fraud under both federal and state laws, and that … if any negative mark is found or continues to be reported on …her credit reports by TSC or the company…they represent, she will not hesitate in bringing legal action.” TSC responded by stating that they had “requested validation of this debt from…their client…. Once received, TSC will forward these documents to the consumer.”
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).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These 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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“Thank you for standing with me Lemberg Law. I was so afraid I could lose my job because of a caller who called my job number 4 hours straight back to back. He not only harassed and threatened me but also abused workmates who received the call when I wasn’t around. Since I solicited for your services, I’ve had a peace of mind, and I’m happy because of the few dollars I got as a settlement.”
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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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