Franklin Collection Service or FCS is a collection agency formed in 1980 and headquartered in Tupelo, Mississippi. The agency collects on behalf of the financial services, healthcare, student loan, and telecommunications industries, among others. Franklin Collection Service utilizes a variety of collection methods, including skip-tracing, which is a means of using computerized information from several data sources to find a current phone number or address for a consumer whose information has changed, automated and repeated phone calls (robocalls) and letter series, credit bureau reporting, and referral to attorneys for collection lawsuits.
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Franklin Collection Service Collections is a legitimate debt collection agency with a long history of harassing consumers over debts. They use skip tracing techniques, letter campaigns, automated messaging, and auto-dialers (also referred to as robocalls) so as to collect debt. Like most debt collection agencies, they operate on a contingency basis, so that they only get paid if they collect from customers.
If you’ve suffered from FCS debt harassment, you do have options. Under the law you can recover up to $1,000 for violations of the FDCPA, and $500 to $1,500 for each cell phone robocall.
As of April 2017, the Better Business Bureau reported 119 closed Franklin Collection Service complaints within the previous three years, including 38 closed complaints within the previous 12 months. The BBB gives FCS an A rating. In addition, Justia lists 13 complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, and one alleging violations of the Fair Credit Reporting Act. Furthermore, the Consumer Financial Protection Bureau (CFPB) lists 108 closed complaints for 2016.
2978 West Jackson Street
Tupelo, MS 38801
Phone Number: 800-262-7590
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely FCS 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!
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Absolutely. Here is a Sample Case Filed in Federal Court
In 2014, the Eleventh Circuit of the U.S. Court of Appeals affirmed in part and reversed in part a lower court’s decision granting summary judgment to Franklin Collection Service in Bradley v. Franklin Collection Service. The consumer had alleged violations of the Fair Debt Collection Practices Act, the Racketeer Influenced and Corrupt Organizations Act, and Alabama state law. The class action case arose when FCS attempted to collect medical debts and added a 33.3 percent collection fee. The district court granted the debt collection agency’s motion for summary judgment, but the appellate court found that the added collection fee violated the FDCPA’s prohibition against using unfair or unconscionable means to collect a debt by collecting an amount not authorized by the agreement creating the debt or allowed by law.
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.
Consumers have reported this agency harassing them from the following numbers:
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, 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.
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