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.
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!
I found this interesting tidbit on the Bud Hibbs site regarding FBCS Collections :
Date: January 19, 2007
This Company is a SCAM I worked for Federal Bond and Collection Services aka FBCS for over a year. They are professional liars they will say anything to get your money. The company KNOWINGLY breaks the FDCPA every day. EVERY employee is on some kind of illegal substance. They hire people fresh out of prison regardless of their crime. Employees have been caught committing credit card fraud with consumers credit cards, when these people are caught they will be fired for a few months and brought back. Every person in there goes by a “dummy name” which is completely made up. Not only do they rip off consumers they rip off their own employees! Every day you go to work they change rules and then change them back within the hour. “Joe Senior” mentioned in a previous article is the owner, who is never there. They place people in managerial positions who have NO SKILLS AT ALL! The company is run by money hungry low lifes! This place is a circus to work in.
Although there is no way to verify this information giving a collection agency your credit card number or bank account info for any reason is asking for trouble. You have to go throuh a process if your personal financial information is misused and it may cause you tons of grief and expense if a rouge collection agent abuses your information. If you are being contacted by any collection agency you need to look into Identity Theft Protection Products. Collection agents for the most part unmonitored and are subject to misuse your personal financial information.
Personally I would never pay a collection agency but if you feel that you must only do so via money order. Even if they say that the offer is only good right now. Do not let a collection agent or collection manager talk you into giving them your banking or credit card info. you may be sorry that you did.
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.
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.
