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Focused Recovery Solutions, Inc. (FRS) is a third-party collection agency based in Virginia. FRS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failure to verify debts and attempting to collect debts not owed. If you have been contacted by FRS, make sure you understand your rights before taking action.
According to the Better Business Bureau (BBB), Focused Recovery Solutions, Inc. was founded in 1993 and incorporated in 2000. The BBB established a profile page for FRS in 2003. FRS is listed as a collection agency; insurance claim processing service provider; bill paying service provider; billing service provider; medical billing service provider; and collection systems provider. Buzzfile estimates FRS’ annual revenue at $1 million and the size of its staff at 20 people.
According to its website, FRS “has been successfully serving credit grantors in the Mid-Atlantic since 1993… with a combination of the latest computer and telephony technology and experienced staff that allows us to provide you with the most effective results at a reasonable cost.” FRS’ recovery process “begins with a series of personalized letters combined with telephone communication to maximize debtor contact while maintaining a professional approach.” Additional collection services include nationwide credit reporting and skip tracing;
legal referral capability; strong client relationships; and a commitment to employees.
- FRS is part of a larger organization, The Focused Group, Inc. (TFG). TFG owns FRS and Focused Healthcare Strategies (FHS).
- FHS “offers medical offices a cost-effective alternative to managing all business office functions internally…with professional representatives who can perform billing, follow-up and collection tasks as an extension of client facilities’ business offices from our off-site location for a portion of your accounts, or for all accounts.”TFG employs advanced technology to enable a variety of client reports and increased information security. Their Resources page provides links and references to the American Association of Healthcare Administrative Management (AAHAM); the American Collectors Association (ACA); the Healthcare Financial Management Association (HFMA); the Medical Group Management Association (MGMA); and the Virginia Collectors Association (VCA). Consumer protection resources are limited to a linked reference to the Ask Dr. Debt website, which is hosted by ACA International.
The BBB has closed 4 complaints against Focused Recovery Solutions, in the past three years, with 1 closed in the past 12 months. All of those complaints allege problems with billing and collections. Since May 2015, the Consumer Financial Protection Bureau (CFPB) has received 16 complaints about FRS. Justia lists at least 5 cases of civil litigation naming FRS as the defendant.
Absolutely. Here are some Sample Cases filed in Federal Court
Complaints against FRS frequently cite problems with accurate billing documentation and information reported to the credit reporting agencies (CRAs). In April 2015, a complainant indicated that FRS had reported a negative item on his credit report. The complainant also alleged that prior to reporting the item, FRS had made harassing phone calls up to eight times per day. The complainant had paid the outstanding bill of $75 several months later, but after a year, the item was still appearing on his credit report. The complainant also indicated that he never had received a receipt for payment. He had attempted to contact FRS, but they had told him the account had been closed, and that they no longer had access to it. He had tried to contact the medical provider, but they had referred him back to FRS. The complaint of April 2015 resulted from the complainant’s discovery that three years after this prior contact with FRS, the item still appeared as open on his credit report. In response, FRS indicated that they had never received a payment for the bill. Regardless, they had subsequently closed the account, sent it back to the healthcare provider, and allegedly requested that the item be removed from the complainant’s credit report. As a result of the complaint, FRS requested that the CRAs remove the item. They referred the complainant to the healthcare provider for further assistance.
In January 2015, a complainant indicated he had fallen behind on payments for medical bills resulting from his daughter’s hospital stay. He had originally agreed to payments of $100 per month to FRS until the balance was paid. The complainant indicated that they had agreed the December prior to the complaint that payments would be made on the 30th of every month to coincide with the complainant’s payday. The complainant indicated that on Christmas morning, FRS had processed a $100 payment, leaving the complainant overdrawn and unable to buy food for his children. He requested that the $36 overdraft fee be applied toward his next installment of $100, and that payment occur on the 30th of each month as agreed. FRS declined to post a public response.
Focused Recovery Solutions, Inc.
9701 Metropolitan Court, Suite B
Richmond, VA 23236
Telephone: (804) 323-6746
Understanding Your Debt Collection Rights
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are federal laws that regulate the collections industry. The FDCPA prohibits actions such as using tactics intended to harass, oppress, or annoy consumers. The FCRA regulates how collection agencies report information to credit reporting agencies. Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA). These laws are enforced by federal agencies such as the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The complaints above illustrate why it is important to understand your rights and responsibilities under these laws when you are attempting to communicate with collection agencies.
In addition, these laws provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA. Seek legal assistance if you are trying to resolve a dispute with a collection agency.
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 recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, 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.
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.
What Our Clients are Saying
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“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!”
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