If you are getting troubled by the calls of Focus Receivable Management. Then there is a solution that can take you out from this trouble.
In this tough economic situation, people fail to pay their bill payments and in spite of this, they keep continuing it. If the account isn’t in process for a few months, the creditors then hand over the case to a third party collecting agency, and it puts constant pressure on the debtor to settle the account. Collecting the outstanding debt is a legal process but using the unethical ways for obtaining the amount is not.
The FDCPA has ordered the way through which a third-party agency may communicate with the consumers in the process of obtaining the debt. This prevents the agencies to conduct unprofessional behavior like the following:
- Becoming aggressive on the call and using obscene language.
- Threatening to have someone arrested for the nonpayment of the amount of debt.
- Calling at awkward timings like before 8:00 A.M. and after 9:00 P.M. in relation to the customer’s time zone.
- Calling someone at your workplace, after being advised that the calls are not permitted.
- Discussing the debt with their friends and families except with the consumer.
- Contacting even after receiving the request to cease communications.
- Pretending to be a law enforcement officer.
These tactics are illegal, but these facts do not stop debt collectors from using it.
Violations against Focus Receivables Management
Focus Receivables Management was founded in 2001, and the offices are in Georgia and New Mexico. Its website holds a tagline, “has debtors in its sights”, but for the improper way of collecting a debt, it has been sued for many times. In the records of PACER, there are multiple examples of Focus Receivables Management protecting itself from the blames of consumer harassment.
Tiffany Wells vs. Focus Receivable Management
In the month of February 2011, Tiffany Wells from California started getting calls by Focus Receivables Management debt collectors. She claimed that its agents refused to recognize the original creditors or legal debt. When she asked to stop calling, but they kept on calling again and again in hope to get the payment.
Ms. Wells sent a letter to Focus Receivables Management for ceasing the communication, but the collectors continued to call at home and the workplace several times, sometimes with the use of an auto dialer. They even discussed the debt with her mother.
The attorney of Ms. Wells blames Focus Receivables Management for the following FDCPA violations:
- Continuing to call her after receiving the request to stop (15 U.S.C. 1692c (c))
- Buzzing her phone continuously with the intention to harass her (15 U.S.C. 1692d (5))
- Refusing to identify the real debt (15 U.S.C. 1692g)
- Discussing the personal information of debt with a third party (15 U.S.C. 1692c (b))
The matter was later resolved.
If your phone shows a call from 1-877-362-8766, it means Focus Receivables Management is contacting you about a debt. Under the FDCPA,
Your rights allow you to send them a cease and desist letter that disallows them to contact you unless it is for that the collection efforts are closed.
If they don’t stop harassing you by calling all the time and use disrespectful language, then report to a consumer attorney. Once you take a legal step, the debt collectors must stop harassing you. You may get the compensation of $1000 per FDCPA violation if you take Focus Receivables Management to court.
Case has taken from PACER (www.pacer.gov).
Address- United States District Court, Southern District of California.
Disclaimer: The given content in this article has a clear objective of providing information and one should refrain from using it as a legal advice. If you go for filing a claim against Focus Receivable Management or any other collection agency, you might not be entitled to any reimbursement.