Types of Scams. From a victim’s perspective, the consequences of falling. How to Answer a Summons for a Debt Collection Lawsuit (In 3 Steps) Watch on. 4K subscribers. Randolph. The Fair Debt Collection Practices Act was established to protect people, like you, from debt collection agencies that harass and mistreat consumers. But before you pay, the scammer will ask you to confirm your name, address, and other sensitive information, which may. The then Offce of Fair Trading upheld my complaint against Intrum Justitia in. Share on WhatsApp. This means that when you're contacted by MRS BPO about a debt, if you pay the debt off in full, MRS BPO will make a huge profit. A debt collector can also contact your attorney and, if otherwise allowed by law, credit reporting companies (Equifax, Experian, and TransUnion) about your debt. A debt collection scam, or a phantom debt scheme is when a scammer poses as a debt collector to get money from people. In fact, the entire premise of this scam revolves around creating a sense of urgency and pressure by pretending to be a legitimate debt collector or collection agency. This might not prevent you from getting spam calls directly. Debt collectors can now send you a DM on social media, text you, or email you to collect unpaid bills. If you live in Scotland, you should report a scam to Police Scotland by calling 101 or to Advice Direct Scotland on 0808 164 6000, or through their website at out this video to explore these three steps: SoloSuit – Win Your Debt Collection Lawsuit. Debt collection scams are common. If Aldous and Associates has sued you for debt, the first step to beating them in court is to respond to the Summons and Complaint. And to see a list of other type of top 10 scams, such as by category, or targeting specific groups, see this page. Today, the FTC filed a lawsuit against Global Asset Financial Services Group (GAFS) and fifteen related defendants for operating a fake debt collection scheme. Debt collectors are only allowed to contact you between the hours of 8 a. Received a call from FJS Global regarding a summons to be issued on Friday for a credit card debt charged - Answered by a verified Consumer Protection Lawyer. All debts collected by ZDSB will then be transfered to the bank. Fill out the form on their website or give them a call at (855) 281-1510. My total debt to be paid was $8,511. Learn more about dealing with debt collection at ftc. 3. com is probably not a scam but legit. That way they will send you all pertinent details. In your letter, request verification of the total amount you. The good news is, in most cases, it’s nothing you need to worry about. Speak with an experienced consumer lawyer. If debt collectors are insisting that you owe a debt that you are sure you do not owe, you may be right. Featured review. After charging us trickle amounts over the last couple of years adding up to over $6,000, they want $500 to close the account, AGAIN! Complete scam!Avoid cash-and-go scams and other issues by verifying that the collection agency contacting you is legitimate. Say you don’t owe some or all of the money, and ask for verification of the debt. They prey on the vulnerability of the average person who may unaware of the laws that deal with debt. If you fail to appear in court, the judge will probably rule you in default of the outstanding credit card or personal loan. Once you have created your Answer, responded to the paragraphs in the Complaint, and asserted your affirmative defenses, you are ready for the final step: file your Answer. Didn't sign up for more than Month but now CMS global collection services demanding €188. Operating Status Active. I cancelled bank payments as a complete scam. Fake debt scam. Ask for a goodwill deletion. You can file a complaint on the FTC website or call their Consumer Response Center at 877-382-4357. Top 5 Amazon Scams in 2023 2. If you pay Radius Global Solutions for the debt, you can ask it to delete the entry out of goodwill. FU DMA Journal of Sciences (FJS) Vol. If you've already submitted a complaint, you can check the status of your complaint. Debt. Consumer Finance Protection Bureau. Scams at a Glance: Phantom Debt Visit MyFloridaLegal. Contact the dedicated consumer-rights law firm that knows how to stop them – and make them pay you up to $1000 penalty, plus our legal fees. Scammers speak your language. They contacted you. You don't know if they are whom they say they are. Do not ignore the need to resolve your debt with this FJM Collections. 1994 and subsequently completed a global initial public offering in October of the same year with the issuance of 1,250,000,000 foreign shares. What We Do –. It costs only $6. Debt collection is also an opportunity for scammers to collect personal information by posing as credit or debt relief services. m. These kinds of scams often increase during the holiday season as well as around natural disasters and emergencies, such as storms, wildfires, or earthquakes. Identity theft. The law places restrictions on where and when a person can receive collection calls, as well as prohibits unlawful and abusive practices, as: Credence Debt Collection ScamIt can take action against a company if it thinks a debt collector has violated federal law — especially if it’s a scam. Make sure to record and save every call, letter and other form of communication you receive. Please ask for "Law Pro" if you have any further future questions!Action by FTC and Pennsylvania Leads to Permanent Ban For Debt Collectors That Targeted Businesses, Non-Profits, First Responders ( April 26, 2023 ) Federal Trade Commission Returns More Than $1 Million To Consumers Harmed by Global Asset Financial Services’ Phantom Debt Collection Scheme ( August 4, 2022 ). Our attorneys can discuss remedies such as debt consolidation, short sales, bankruptcy, and more, but most importantly, we can get the harassment to stop. "Collectors are required by Fair Debt Collection Practices Act to send you a written debt validation notice with information about the debt they’re trying to collect. Yearly, thousands of complaints are made about debt collectors like Frost-Arnett and their unscrupulous debt collection methods. If you're getting threatening phone calls about a debt, even if it's one you recognize, you might be the target of a debt collection scam. Some of our clients are current on their debt but living paycheck to. Every year, people report fraud, identity theft, and bad business practices to the FTC and its law enforcement partners. Midland Credit Management is a legitimate debt collection agency that has been in business for over 65 years. Some fraudsters will represent themselves as a debt collector or court official and propose that you pay debt you don't actually owe to avoid “trouble”. Recovery Management Services is often referred to or searched for by other names. They should remove the debt from your credit report immediately. Affinity Global, Inc. (NYSE:MXT) is a financial services company that issues bank cards, insurance products, and credit protection. S. So these collectors are just debt buyers who are trying to bluff you into paying for a debt that is legally uncollectible. Thank you for sharing your phone scam experience. A person or business might be trying to scam you if they do any of the following: Pressure you to pay up-front fees. On behalf of our client who originally provided or now owns your debt, we seek to:Make sure that you don’t pay a dime until you receive this document and check the wording is accurate. When Radius Global Solutions buys one of your debts from the original creditor, you'll know promptly. and Europe. org by victims of debt collection scams between October 2013 and June 2014 was $1,748. S. Our Collection Department are professional in bad debts throughout the Hashemite Kingdom of Jordan. Boyland is one of the names – “Bags of Money” being another – used by a man that began his scammy debt collection operations in Buffalo. They became accredited by the Better Business Bureau in 1995 and hold a BBB rating of A+. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recovering statutory damages set at $1,000, in addition to attorney fees and court costs. The Fair Debt Collections Practices Act requires all debt collectors to send a validation notice containing all the details of your debt within five days of your first contact. Our office engaged Transworld Systems Inc. However, they have not been accredited by the Better Business Bureau. Dealing with debt collection issues can be challenging—especially when you’re not sure if the person you’re being contacted by is a legitimate debt collector or someone trying to scam you. We analysed the website and came with a review of fjsglobalcollect. Phone: 888-334-5677. com, the only federally authorized source. How Debt Collection Scams Work. By. The aim here is to offer TSI payment in exchange for the removal of the collection from your credit report. 4576 or 877. If you get a call from an unknown number, check the time. But in many cases, unscrupulous people are. It must be sent within five days of the first contact. How to Report a Phone Scam. This trust score are given to websites with a. Buzzfile estimates Transworld Systems Inc’s annual revenue at $ $1. A sharp increase in complaints concerning debt collection scams, particularly those impersonating law enforcement or government agencies, has the Colorado Attorney General warning consumers to be cautious of threatening phone calls and emails from fraudulent debt collectors. The debt is actually from 1999 and the last contact i had with GDR was 15/08/2001 which is 12 years ago. At least in the US, emails are not commonly used by collection agencies as way to communicate r with debtors. Closed our business account and returned terminal in 2015. Hospital says they turned it over to the first collection company (2nd collection co is who called me to. 3. C. This month I was contacted by a collection agency via letter on a debt from 1999. H. An alternative name for debt collection software is payment collection software. Under federal law, a debt collector can't contact you at any "unusual time" or at a time that it knows, or should know, is inconvenient for you. Debt collection is a very lucrative business. According to the Nilson Report, a newsletter that monitors the credit industry, last year debt buyers paid an average of 5. The following are the essential steps to get Radius Global Solutions off your credit report for good: Ask for a goodwill deletion. Here are a few red flags signaling a debt collection call could be a scam: The debt collector threatens you with criminal charges. Start by sending a written letter to the debt collection agency contesting the debt—and make sure you do it within 30 days of being contacted by a debt collector. Start a new complaint. submit your information for a FREE Fair Debt Case Review or call toll free 888-FDCPA-LAW (888-332. If the debt collector is not able to provide you with any of these details, it’s most likely a scam. Last time anything was paid on the debt was 2/7 2009. Attorney, Division of Consumer and Business Education, FTC. To get your free. Signs of a debt relief scam. 0 billion and the size of its headquarters staff at 25. Fax: (630) 836-2413. On track now to get every thing paid off and keep an ease of mind. Since the dialer requires human intervention to place a call, it doesn’t fall under the definition of an auto dialing system as per the TCPA. CRS is listed as a collection agency. 1. Credit and Loans. Any communication about a case of this magnitude would come through certified mail. MRS BPO, LLC. 7 million people filed reports and described losing more than $5. Make them prove the debt, see if they respond and go from there. The other major type of debt consolidation scam is charging fees upfront, which is illegal. On track now to get every. • This is the inaugural edition of the Global Debt Monitor. First, the debt was discharged in a bankruptcy. The phone number for Global Debt Solutions is 1-561-483-5588. Here are some steps you can take to do so: Ask for everything in writing. They quickly turned nasty, slamming Bhoomi with insults and. Fax: (425) 609-2103. When a person receives a debt summons and doesn’t file a response or attend the hearing, they play right into the hands of the debt collector. You should request a written verification of debt. The alleged debt may be completely fabricated,. This month, the FTS ordered the perpetrators of a debt collection scam to reimburse 1,966 victims of the scams an average of $516 each, adding up to a total settlement of just over $1 million. It is most likely identity theft. Don’t give the debt collector your personal or financial. Please call 952-295-3935 now or fill out our Free Case Evaluation Form and one of our attorneys handling Debt Collector Harassment can evaluate your case. In truth, they were not lawyers and had no authority to collect debts. Do not make, set up, or arrange for payments. Many Scam Victims Have Significant Debt After A Scam Ends In many cases, this means having to face collection efforts. At FTC's Request, Court Orders Halt to Debt Collector's Illegal Practices. I can not provide an email as that is prohibited by the site. 1. A debt collection attorney works with both people seeking to collect debts and those defending themselves against debt collectors. The creditor will send you letters. and the 11th largest issuer of MasterCard and Visa cards. A federal grand jury has charged a Tracy, California-based man with 21 criminal counts of wire fraud and mail fraud for a fake debt collection scheme. com. Is your company complying with the law?Founded in 1991, The Kaplan Group is a top commercial debt collection agency that only works on business-to-business (B2B) collection. 2 scams to look out for after you’ve taken a business loan. In any case, the scammer will use all sorts of techniques to get you to. This article will provide a tool to help you avoid debt collection scams (yes, you scammers many times know that you took out loans and will try to scam you again), and to better control real debt collectors. I n U. This is the most efficient option. 1930 Olney Ave. Debt collection scams; Unscrupulous debt collectors often purchase old, discharged debt for pennies on the dollar. Dealing with debt collection issues can be challenging—especially when you’re not sure if the person you’re being contacted by is a legitimate debt collector or someone trying to scam you. Contact: Laura Brewer (919) 716-6484. , is a Canadian-owned company that has a debt collection division. The list above is not all the numbers that FBCS uses. Radius Global Solutions' BBB rating is an A+, but customer reviews give them one star out of five. Phone: (888) 248-2509. Follow the instructions to validate the debt, as mentioned earlier. Spotting scammy emails. A recent change in rules by the US Consumer Financial Protection Bureau (CFPB) allows debt collectors to contact you by direct message on social networks, email, or text. The latest update of the IMF’s Global Debt Database (GDD) documents that global debt continued to fluctuate in 2022 as it fell 10 percentage points of GDP for the second consecutive year to 238 percent of GDP. You can read more about Global Credit and Collections Corp on their Better Business Bureau page. 1. (Fair Debt Collection Act-811[15 USC 1692i]) Case File#VNQ-08953265(USC) Last Date to File Lawsuit-July 11th 2017 Cost of the Lawsuit-$5825. The first step to beating FBCS in court is to file a written Answer. Being contacted by a legitimate. Call the National Debt Helpline on 1800 007 007 – open Weekdays from 9:30 am to 4:30 pm. RMS also DBA as RMS- Recovery Management Services, Inc. By remaining vigilant and informed, savvy consumers can help us build a Stronger, Safer Florida. Make sure to send the dispute letter within 30 days. You have a limited amount of time to validate a debt, so move quickly when you are contacted by a collection agent. Scammers commonly ask you to “confirm” your name, address, SSN, or banking details. Respond to a debt lawsuit against Aldous and Associates. Contact one of Bills. Table of Contents. Fjsj. The court had previously ordered the defendants’ assets frozen to preserve the possibility that they could be used to. Hello, I have read your letter. June 16, 2017. Remember the following tips and tricks to identify collection agency scams early. The scammer will usually be pretending to be a large company with a lot of customers (such as Verizon) to increase their chance of getting a hit, or pretending to be with an existing collections agency as cover. Scams can often be hard to spot, especially debt collection fraud. The BBB opened its file on FRS in 1998. 5% during the forecast period. shop takes advantage of an HTTPS certificate. It requires debt collectors to prove the debt they are attempting to collect is, in fact, yours. If it is fake, then there is no chance that there is a copy in the courts. The collector or agency asks for sensitive information that they should already know. If you have been a victim of harassment from Radius Global Solutions LLC, we can help you get justice. May 10, 2023 (The Expresswire) -- Embracing Growth: A Promising Outlook for the Global Debt Collection and Debt Purchase Market from 2023 to 2030 "Debt. G. 8 billion to fraud — a $2. read moreThe easiest way to verify if a debt is fake is to contact the court. Debt Collection. They will also have a copy on file. 16, 2023. Scams are constantly changing. Start by writing Allied Interstate a letter asking for debt validation. 0 Finally getting some traction on my credit cards! My counselor and I put together a plan for my family to get out of debt after a set back from my lost job. Buzzfile estimates CRS ’s annual revenue at $6. 36 Courthouse-Dallas County Court(600 Commerce St, Dallas, TX 75202). Asking for Information They Should Already Have700 Turner Industrial Way St 160 Aston, PA 19014. You can protect yourself by knowing what to look out for. You can file a report against fake debt collectors to the Canadian Anti-Fraud Centre through its website, or by calling 1-888-495-8501. , Ste 6, Greenville, South Carolina 29615-5720. I have no recollection of this debt which is the reason I disputed it. 86 Dear Debtor, This is to notify you and requires your immediate. Unpaid medical bills have become the largest source of debt owed to collection agencies, increasing from $81 billion in 2016 to $140 billion in 2020. They will also have a copy on file. Debt collection agencies demonstrate how serious they are when they file lawsuits against consumers. The worst strategy when you receive a summons to appear in court from Global Collection Agency is to ignore the summons. Flexible payment plans that fit your needs. They were founded in 1994 in Louisiana and have been in service for over 25 years. The scam is to convince the mark to give the scammer something, usually money. Call us now at 877-700-5790. Eager to settle your debts, you provide your credit or debit card number. or after 9:00 p. Instead, do: Ask for a formal written notice or letter regarding the debt. Lawyer's Assistant: Could you please provide some more details about the nature of the. 5 million in phantom payday loan “debts” that consumers didn’t owe. They have helped many people in your situation. Our Philosophy Payment Options Payment Options Pay online, by phone, or by mail. We are happy to get the word out about these phone call. Identity theft occurs when someone steals your personal information to commit fraud. Phone: (800) 900-3944. Debt Collector Red Flag #2: You’re Contacted About a Debt, but You Haven’t Received Prior Notice by Mail. More than 40,000 people filed scam reports with the Better Business Bureau in 2022, and the median reported dollar loss was $171, according to that year's BBB Scam Tracker. 35! I never ticked any boxes to say continued membership or anything. 300. It protects consumers from unlawful debt collection practices. 05/25/2023. See Your Offers Pay Online – Log in to. No matter how much goes missing, you should take action. If you spot any of these tactics, stop and walk away. Respond to each complaint in separate paragraphs. They may not reveal details about the debt or the creditor but will demand immediate payment of the debt. Legal Name Global Debt Collector. Respond to a civil lawsuit in Mn. Moreover, the government has enacted laws that are meant to protect consumers from repetitive phone calls from debt collectors. Let’s take a look at one of the more popular scams in the debt collection space, the Fake Process Server. The subsequent step is to disclose your monthly earnings to TurboDebt. (NYSE:MXT) is a financial services company that issues bank cards, insurance products, and credit protection. In this article, we'll also show you a few other fraud prevention tips including what to do if you lost money to a scam. A legitimate collector would have stopped all attempts to collect the debt once you informed them it. 00 and the financial. Your first instinct may be to immediately call the company or respond to the email and to stop the payment. A judgment was entered in favor of the plaintiff. Do not discuss anything related to the debt. 00pm weekdays. Managing debt can be a tricky business. The debt collection software. The caller insists on specific means of payment and may even threaten to tell the victim’s family and friends about the outstanding debt. We understand your situation is unique. Here are Harris and Harris' contact details: To pay a debt call: 1-800-362-0097. . 1. Consumer Financial Protection Bureau reports that phantom debt collectors account for 39% of all complaints received about debt collectors. That way they will send you all pertinent details. You're essentially just looking to keep them as bay and stop a lawsuit. Likewise, AARP's toll-free Fraud Watch Network Helpline, 877-908-3360, regularly hears from people besieged by. Is your debt collector violating the laws? Pay less. Such shares, represented by 31,250,000 American Depository Receipts (ADR). The letters attempt to collect an outstanding debt and are part of a scam that fraudulently identify the sender as the State of Michigan. Identity theft is when someone represents themselves as you by using your personal identifying. rent collect global. Our team works tirelessly to ensure our clients get a settlement that fits their financial situation. Here are some steps to take if you think you have been scammed: Keep all documentation related to the scam, including any emails, letters, or receipts. The collector or agency asks for sensitive information that they should already know. When it comes to avoiding falling prey to a debt collection scam, the best advice is always to be vigilant. FTC, FBI, AARP, Arizona, Florida, Illinois, Ohio and Oregon. Send a Cease and Desist Letter. Our History –. Maintaining compliance. The FDCPA has received a countless number of these complaints. Most of those complaints cited problems with billing and collections. Contact FJS Global at 866-974-0079. Watch this video to learn the warning signs of debt collection scams. FedEx needs to finish its investigation. If you find an error, dispute it. The service is verified by our staff, it works and is trustworthy. 471. This five-fold surge in public debt levels since 2000. Debt Collector Red Flag #3: The Caller Asks for Immediate Payment by Money Transfer or Prepaid Card. (RALEIGH) Attorney General Josh Stein today warned North Carolinians to beware of fraudulent debt collectors and debt collection scams as part of Operation Corrupt Collector, a nationwide crackdown targeting debt collectors who use scare tactics to try to collect on non-existent. You can't do anything in the mean time. and 9 p. You are correct and this does seem like a fraudulent collection. FRS may use the alternate business name, Financial Recovery Services of Minnesota, Inc. The scam is to convince the mark to give the scammer something, usually money. Avvo Rating: 10. You cannot be put in jail for not responding to a civil summons. com for a few different reasons. All three companies are debt collectors that buy debt portfolios from creditors, or other debt sellers, and then place the portfolios with or sell them to other collection companies. Global Lending Services LLC: Greenville: SC: USA: Global Payments Check Services, LLC. Debt Collection Agency Directory. Make payment to remove an entry. Warrenville, IL 60555-3039. This is a legitimate data privacy tool that officially requires your data removal from tons of online brokers on your behalf. 8 million and the size of its headquarters staff at 4 employees. If you vaguely recognize the name Tobias Boyland, congratulations, you have a good memory. Learn more about how we share your complaint data. There are only a few circumstances when a debt can lead to an arrest. A copy of the complaint can be accessed here. If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company. With credit card debt in the US reaching the trillion dollar mark, aggressive debt collection tactics will be. I would suggest that you send another short letter to the collection agent in which you simply state that you as you have previously advised them, you dispute the debt and that it is fraudulent and not your responsibility and that the credit collection agency has failed and refused to comply with the legal requirement to provide you with all of the documentation. Telephone: 877-374-0943 or 713-776-6623. Transparency. To schedule a consultation with a knowledgeable and experienced debt settlement paralegal, call our office at (855) 976. These companies may even ask for your credit card. Unless you tell the collector otherwise,. Missouri, New York, Oregon, Ohio, Texas and Vermont. Mark calls / chats with the scammer. 215-320-5761, 800-220-2018, (215) 320-5761, (800) 220-2018, 2153205761, 8002202018. Ask for a goodwill deletion. Consumers are warned to watch out for scams related to debt collection of old payday loans, finding a short-term loan online, phony texts about qualifying for a loan and debt relief scams. Learn more about dealing with debt collectors at Debt Collection. There is a cottage industry in which scam artists buy info about low income and unsophisticated consumers from payday lenders and their employees / former employees. 1. A debt collection scam, or a phantom debt scheme is when a scammer poses as a debt collector to get money from people. Here are a few tips for negotiating with a global solutions debt collector: Stay calm and polite. Report debt collection scams and abuse to the CFPB ( online or by calling 855-411-2372), the FTC ( online or by calling 877-382-4357) and your state’s attorney general. I cannot contact them or even log in!. Learn more about spotting and reporting this type of scam by going. Also, contact your local Department of Housing and Urban Development office or the housing authority in your state, city, or county. If this number appears on your caller ID, a debt collector is trying to reach you. Another form of the 844 area code scam is the debt collection scam. 9 Ways to Spot Collection Scams. Successfully. Action by FTC and Pennsylvania Leads to Permanent Ban For Debt Collectors That Targeted Businesses, Non-Profits, First Responders ( April 26, 2023 ) Federal Trade Commission Returns More Than $1 Million To Consumers Harmed by Global Asset Financial Services’ Phantom Debt Collection Scheme ( August 4, 2022 ) Federal Trade Commission Returns. The phone scam from the person who called you was most certainly after your personal information which would be very damaging to say the least. So, this debt is time-barred. , April 28, 2022 (GLOBE NEWSWIRE) -- The global debt collection software market is projected to rise at a CAGR of 9. Dispute the debt. A statement detailing your debt collection rights; Only pay a collector after determining their authenticity. When Radius Global Solutions buys one of your debts from the original creditor, you'll know promptly. We would like to show you a description here but the site won’t allow us. 14. (651) 296-3353 (Twin Cities Calling Area) (800) 657-3787 (Outside the Twin Cities) (800) 627-3529 (Minnesota Relay) It is not uncommon today for people to be pursued by debt collectors for money they don't owe. Hospital says they turned it over to the first collection company (2nd collection co is who called me to. beware of this scam company! C. To get your free. Basically, the scammer calls you pretending to be from a debt collection agency and tries to steal your money. Find the resources you need to understand how consumer protection law impacts your. June 29, 2023. Lemon Law Attorney in Birmingham, MI. The complaint contains all the legal claims by the plaintiff in paragraph form. Check for spelling and grammar errors. To report in Mandarin, Tagalog, Vietnamese, French, Arabic, Korean, Russian, Portuguese, Polish, and many other languages, call the FTC at (877) 382-4357. 8 billion to fraud. Debt Collector Red Flag #4:. · Request more information. I received a bill in the mail saying that I owed money for one of my accounts. Search for. The Federal Trade Commission (FTC), which monitors the complaints lodged by consumers against debt collectors, regularly. 9550 Regency Square Blvd Ste 500 Jacksonville, FL 32239-5118. Signs of a debt relief scam. But if the debt and the collection company are legitimate, the better option is to try to pay off your debt as soon as possible to avoid any harm to your credit. When your creditor is unable to recover a debt from you, they can choose to transfer the responsibility of recovering the debt to a third-party. E. In January 2018, a complainant indicated he had submitted a complaint on behalf of his mother, who had been receiving calls from FMS “commencing a little after 8:00 a. But when someone contacts you first, you can't be certain they're telling the truth. While there are many legitimate debt collectors in the financial marketplace, there are also scammers who may try to get you to pay on debts that you don’t owe or on debts that don’t even exist. Stop Harassing Collection Calls Consider taking the following steps to limit collection. The Department has seen an increase in complaints involving fake. First Collection Services (FCS) is in receipt of the complaint submitted by this consumer stating difficulty paying the account by website. If you have a lawyer, the collector must communicate with your lawyer.