Looks like the powers that be at FBCS Inc is starting to get the picture that ignoring this situation will not make it go away. They spent over an hour today in a video conference with someone listening to their collector and manager break the law and try to intimidate me.

It looks like the meeting took place between 12:30 and 1:30 EST today, which would of been between 11:30 and 12:30 their time, via Global Crossings online meeting software.

I had given them every opportunity to resolve this matter prior to me filing suit against them and their attorney has stonewalled me. I made a very clear and cost effective offer in compromise to them and they never responded. The time has now by far passed for them to accept that offer.

I had mentioned to them I am a professional web publisher. I own over 150 web domains and provide content and SEO to several hundred other sources. There will be a professional redesign of this site in the very near future. I admit that in its current form it is ugly, but then again I never proclaimed to be a designer. My strong point is SEO and half assed content creation. I just have accepted this site as mine and will not turn over content creation to one of my writers.

I hope they enjoyed their lunch.

If you are receiving calls from Federal Bond and Collection Service to your cell phone you are in luck. Hopefully they left you a message with their automated dialer and you still have a copy of the voice mail because each call from any of these numbers made via an automated dialer to your cellphone is worth $500 - $1500 under Federal Law. (866-594-8640, 866-594-8641, 866-594-8642, 866-594-8643, 866-594-8644, 866-594-8645, 866-594-8646 and 866-594-8647) Your state laws may be different so make sure you research before you sue them.

The Telephone Consumer Protection Act makes calls from an automated dialer to a cellphone illegal and in some states it is criminal unless they have your prior express permission. I don’t know of anyone that would give a collection agency permission to call a cellphone with an automated dialer!

If they have called your cellphone with an automated dialer make sure you report it to the Federal Trade Commission as well as the Federal Communications Commission. The fact that they called your cellphone with a robo dialer is a violation of both the Fair Debt Collection Practices Act and the Telephone Consumer Protection Act.

More on this topic later…

Read My Disclaimer.

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.

Make sure you read My Disclaimer.

The Commonwealth of Pennsylvania has a unique law as far as having companies served there. If a company maintains a physical address in the state of Pennsylvania then they are not required to maintain a registered agent. So if you are wanting to sue FBCS Collection Agency all you have to do is serve their physical address. Which means you can serve them via US Mail.

FBCS Collection Agency’s real name is Federal Bond and Collection Service, Inc

The correct mailing address for service of process is:

Federal Bond and Collection Agency, Inc
6801 FRANKFORD AVE
2ND FL
PHILADELPHIA PA 19135-2107

Joseph Neary Sr. - President
Joanne Neary - Treasurer
Joseph Neary Jr. - Vice President

FBCS Inc is a fictitious name. They probably have contacted you under the name FBCS which technically is probably a violation of collection agency laws. I know I will add it to my complaint when it is filed. Also if you are trying to resolve a matter with them prior to litigation you would probably be better off to skip over John Neary, because chance are he cannot make a decision anyway without dear dad Joe Sr. saying it is ok.

Becoming America’s Dumbest Collection Agent should probably be a tough bill to fill. One would think that a collection agent for a company that claims to be as professional as Federal Bond and Collection Service would have at a minimum the same vocabulary as a fourth grade child. The lady who wins the award does not know that a hyphen and a dash are synonyms. Where as my nine year old son in the fourth grade does.

One thing I find interesting is that FBCS Collections would employ someone, to handle money and confidential personal information, who does not have the ability to communicate above the level of a fourth grade student. This young lady does know how to attempt to intimidate people using poorly designed veiled threats, which is against the law.

Listen to her violate the law and make a fool of herself:

The Fair Debt Collection Practices Act protects consumers against unscrupulous collection agents and agencies. It provides protections for consumers and allows them to sue collection agencies when they violate the law. I will dedicate this section of this site to exposing FBCS Collections and their long history of abusing consumers.

If you are dealing with them my best advice is to send them a Cease and Desist order. You must do this in writing for it to be fully effective. In writing does not mean mail exclusively. You can fax it to them at 215-288-9101 or use the form on their website. After they receive a cease and desist order from you they are allowed one more contact and that is it. Anything after that is a violation of the Fair Debt Collection Practices Act.