Fenton & McGarvey Law Firm F&M Collection Complaints? We Stop Calls and Harassment.

We help consumers who have complaints about collection harassment.

Fenton & McGarvey Law Firm or F&M is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

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What is Fenton & McGarvey Law Firm?

Fenton & McGarvey Law Firm, P.S.C. (F&M) is a law firm based in Kentucky that specializes in third-party debt collection. F&M has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as failure to verify debts and threatening to take actions that cannot legally be taken. If you have been contacted by F&M, understand your rights before taking action.

Have questions? Call us now at 855-301-6100 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is Fenton & McGarvey  a scam?

According to the Better Business Bureau (BBB), Fenton & McGarvey Law Firm, P.S.C. is a legitimate law firm that specializes in collections  founded in March 2014. The BBB established its profile page about 6 months later, in October 2014. F&M  maintains an alternate website at www.fentonmcgarvey.wisebuyingmall.com.

According to its primary website, F&M “was created to assume the long[-]established creditors’ rights and consumer debt collection practice of Morgan & Pottinger, P.S.C.” in an effort to “further the growth and evolution of [their] collections practice [in consideration of the] rapid external changes in the industry.”

F&M “is dedicated to the rights of its creditor clients, including commercial and consumer debt collection[, and] participates in state and nationwide creditor’s bar associations in order to educate, promote, and advance creditors’ rights law.” In addition, F&M “strives to protect the interests of its clients, to maintain robust compliance policies and procedures, and to treat all consumers fairly and with respect.”

F&M’s website does not contain any information about its policies, practices, or the industries it serves. Every page of the site includes a legal disclaimer that states, “This communication is from a debt collector attempting to collect a debt. Any information obtained will be used for that purpose.” However, there is no information about F&M’s regulatory compliance polices and there are no links or references to consumer protection resources, laws, or enforcement agencies.

How many complaints are there against Fenton & McGarvey Law Firm?

The BBB has closed 47 complaints against F&M in the past three years, with 13 closed in the past 12 months. Most of those complaints allege problems with billing and collections. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has received 13 complaints about F&M. Justia lists at least 6 cases of civil litigation involving F&M.

Contact Information

Fenton & McGarvey Law Firm, P.S.C.
2401 Stanley Gault Parkway
Louisville, KY 40223
Telephone (800) 345-0986
Website: http://www.fenton-mcgarvey.com/

Can Fenton & McGarvey  Sue Me or Garnish My Wages?

It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely F&M would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!

Click 844-685-9200 NOW to call us.

Or go ahead and fill out our Contact Form. Our services are absolutely FREE to you.

Can you help me file a No Fee Lawsuit against Fenton & McGarvey Law Firm?

Absolutely. Here are some Sample Cases

In December 2016, in United States District Court, Southern District of Indiana, Indianapolis Division, a judge issued an Order in a case alleging violations of the Fair Debt Collection Practices Act (FDCPA). In this case, the plaintiff fell behind on debt payments to Comenity Bank. Initially, Jefferson Capital was hired to collect the debt, and F&M sent letters on their behalf to the plaintiff. F&M’s letters stated, “Please be advised that Fenton & McGarvey Law Firm, P.S.C. has been retained by Jefferson Capital Systems, LLC to collect its account with you,” and that “the ‘original creditor’ for the debts was Comenity Bank.” The “body of the letters made no other references to Jefferson Capital, Comenity Bank, or Fenton & McGarvey.” The plaintiff claimed that the letters failed to sufficiently explain Jefferson Capital’s relationship to the debt; the distinction between Jefferson Capital and Comenity Bank; and Jefferson Capital’s reason for retaining the services of a law firm to collect a debt. As a result, because the letters failed to identify the creditor to whom the debt was owed and could be legally construed as confusing or misleading to the average consumer, the plaintiff alleged that they violated provisions of the FDCPA that require validation of debts owed and prohibit the use of false or misleading information to collect a debt.

The December 2016 hearing was held to determine whether the plaintiff presented enough evidence to certify her complaint as a class action lawsuit. F&M argued that the plaintiff’s complaint lacked commonality with other proposed class members and therefore should not be certified as a class action. The court disagreed, indicating that the sole legal questions common to all proposed class members was whether letters sent to them violated the FDCPA’s provision requiring a validation notice with the name of the creditor; because the absence of that information was common across all letters, F&M’s objection on that count was dismissed. F&M also argued that the letter may not confuse or mislead all of the proposed class members; however, the court clarified that the question of whether language is confusing is not determined by each individual plaintiff’s perceptions, but by an objective assessment of whether the language itself is confusing to a hypothetical “unsophisticated consumer.” As a result, the court certified as plaintiffs in the class action lawsuit, “all persons similarly situated in the State of Indiana from whom Defendants attempted to collect a delinquent consumer debt allegedly owed for a Comenity Bank credit card account, via the same form collection letter that F&M sent to Plaintiff from one year before the date of the Complaint to the present.”

Fenton & McGarvey Law Firm Calling You?

The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.

The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.

These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.

Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.

Want to Stop Fenton & McGarvey Law Firm Debt Collection Harassment Now?

Your debt harassment checklist:

  • You are receiving multiple calls per week from third party collection agencies
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your friends, neighbors, or coworkers
  • Collectors are threatening you with violence, a lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.

We can make them STOP!✋

The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.

What Our Clients are Saying

“When I first contacted Lemberg Law, I was at my wit’s end, not knowing what to do or how to protect myself against the collection agencies. I felt like I was sinking. After sending in my case evaluation, Lemberg Law quickly threw me a lifeline and turned the tide.”

“Thanks to the staff at Lemberg Law, I have peace of mind again. They worked quickly to find the harassing calls ended and were super considerate when I spoke together. I love the hard work!”

“I am so blessed that during this dreadful, frightening encounter, your company was there to help me. I can not thank you enough.”

Can You Help Me Delete Fenton & McGarvey Law Firm from My Credit Report?

We can absolutely help. Call us today.

Sound Off!

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

  • Norma H

    I received two phone calls just today one at my office line (which should never be used) and one to my personal cell…they mentioned Maricopa County as if i owe them money…he is asking for my attorney. Never mentioned what the debt is for. The only thing I owe for is a bill is Comenity Ban, as I was unable to keep paying for it because my husbands business was going under. Not sure what Maricopa County has to do with this as I don’t owe our county anything in AZ

  • Robinson

    I started being harassed by Fenton & McGarvey after I started working at the Census Bureau in Indiana, and I suspect that F&M accessed my personal information thru unethical means. As I read more about F&M, I’ve come across other posts where the debtors were employed or associated with a Federal job or military. I worry that my info was sold to F&M.

  • Nick

    Midland credit management hired them to collect my debt, they basically hired another law firm called Farrell and Seldin in my area to collect as well. My issue is they wont send any kind of settlement paperwork. I set up settlement arrangements with Farrell and Seldin who says they will send me the paperwork, the only thing I get in the mail is them stating the payment wasn’t made but with documents from F&M. Only reason payments are not made is because settlement paperwork has not been sent to me. I know they have my address, to me it sounds like they don’t communicate very well together.

  • Michael Fleming

    About 3-4 years ago I had a massive panic attack (thought it was a heart attack) and went to the ER. I did not have insurance at the time so these bills were turned over to collections. I have been harassed non-stop by another collection agency. They have called me with incorrect information about me and also made some rude remarks. I was not friendly about it either. They call all hours of the day from different numbers. Now, F&M Capital? is contacting me. I assume it is about this matter, because according to my credit report this is the only matter in collections. A guy by the name of “Brad Williams”. He has called me on my cell and at work along with contacting my wife, multiple times a week. He states in his voicemails that he leaves that he is contacting me for some documents that were sent to his office with my name and ssn. He does state who he is with or what his intentions are. He states that I, or legal council, should contact him immediately regarding this matter, at 866-296-8345. I have researched this F&M company and have read absolutely nothing good of them. I’m tired of the harassment in general. Is there anything I can do about this? I do not have the means to pay for a ton of legal fees as my wife and I are trying to save to buy our first house. I’m also afraid this may affect the home buying process as well.

    It’s best to contact me via email as I work 2 jobs, day and evenings.

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