FBCS Collection Agency Violates the Fair Debt Collection Practices Act

If you are being contacted by FBCS Collection Agency you need to take the time to become acquainted with Laws that Govern Collection Agencies.  Many times when people are contacted by collection agencies the collection agent will attempt to allude to “limited offers” and “legal action” these are violations of the Fair Debt Collection Practices Act.

The Fair Debt Collection Practices Act makes it illegal to threaten actions that they have no intention of taking.  So if a collection agent refers to an out of court settlement of a debt that would imply that they have sued you.  While technically any time you pay off a collection account voluntarily it is an out of court settlement  but the Fair Debt Collection Practices Act uses the standard of the least sophisticated consumer.  So for them touse the term “out of court settlement” without a court case being filed against you is an attempt to use deceptive means to collect a debt.

America’s Dumbest Collection Agent did exactly this when I contacted FBCS Collection Agency.  She kept urging me to clear this debt legally and accept the out of court settlement.  Personally I would NEVER pay a collection agency and the alleged debt that Federal Bond and Collection was attempting to collect from me has been paid.  I had contacted them to resolve it and the young lady I spoke with and their collection manager both violated the Fair Debt Collection Practices Act, the national collection agency law, without letting me get in a word edgewise.

Keep checking back to keep up with FBCS Collection Agency and their illegal antics as I will be exposing them with all of the information I can find as well personal experience.