FBCS Collections Accuses Me of “Shaking them Down”

I received a letter from FBCS Collections offering me a settlement on an account that has long been paid off which has been purchased by Midland Credit Management, a Junk Debt Buyer. I originally called them to get a web address so I could issue a cease and desist in the most timely manner.  Having dealt with collection agencies before I knew that I needed to record the conversation with the agent, because collection agencies routinely violate the Fair Debt Collection Practices Act.

After speaking with their collector I was genuinely amused by her attempts to browbeat my into paying a debt that I do not owe and was amazed by her violations of the Fair Debt Collection Practices Act. After this call with America’s Dumbest Collection Agent I called to speak with a compliance officer and was transfered to their collection manager. He would not let me get a word in edgewise and also violated the Fair Debt Collection Practices Act.

He accused me of attempting to “shake down his company” and of baiting their simple minded collector.

Here is a short snippet of him accusing me of a “shake down” -

You will notice he used several declarations like entrapment and hearsay. Which are laudable to say the least. He also claimed that he knew how a judge will look at things. It is not a judge that Federal Bond and Collection Services needs to worry about now. It will be a jury.

Here is a full recording of the call I had with Americas Dumbest Collection Agent -

She did not need to be baited to violate the Fair Debt Collection Practices Act and with the way that their collection manager also trampled upon the FDCPA it seem to establish a pattern of abuse of collection agency laws. I don’t think any reasonable person could deduct that I baited their collector. Yes I did call them to see if they want to settle for their violations of the Fair Debt Collection Practices Act but never even used that word in my conversation with them.

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