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.
FBCS Collection Agency is very manic when it comes to collecting debts. They pull out all stops to try and intimidate people to collect nonexistent debts. I had received a letter from them regarding a Providian account that has long been paid off by my records and encountered Americas Dumbest Collection Agent.
When I called back to speak with their “Compliance Officer” I was transfered to their collection manager. After the attempted intimidation by the first agent I spoke with there i was not surprised when the manager proceeded to violate the Fair Debt Collection Practices Act as well. Listen to the short snippet of him violating the law.
Notice he tried to play attorney with me on the phone and advise me of the law. He also overshadowed my my validation rights and used false and misleading representations in an attempt to collect a debt which is a violation of the Fair Debt Collection Practices Act.
I have tried to resolve this matter amicably with Federal Bond and Collection Services amicably to no avail now it looks like I will be forced to file suit against them for their violation of federal and state laws. The good thing is that the violations by the first agent and then by her manager it shows a pattern of abuse.
If you are having the same type of problems with them, abusive collectors, I have put together a special page that you can use to Report FBCS Collection Agency to the correct authorities. It gives links to all the online forms that you can use to draw attention to their abuse.
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.
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.
