TSC Accounts Receivable Solutions (TSC) is a third-party collection agency based in Southern California that specializes in collecting delinquent medical bills. TSC has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including making false statements and failing to verify debts. If you have been contacted by TSC, make sure you understand your rights before responding.
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According to the Better Business Bureau (BBB), TSC Accounts Receivable Solutions is a legitimate collection agency founded in 2006. The BBB established a profile page for TSC in 2010. TSC is listed as a collection agency. Buzzfile estimates TSC’s annual revenue at $317,000 and the size of its staff at 4 employees.
According to its website, TSC “is an innovative, nationwide accounts receivable management company and full-service collection agency.” TSC’s “core belief is to provide value-added services to…customers that enable them to better manage their accounts receivable, … increase the money recovered from…delinquent accounts, reduce write-offs, and improve…internal efficiency.”
TSC’s services are comprised of three main divisions—pre-collection, bad debt collection, and consulting. TSC’s pre-collection division “incorporates a letter campaign or telephone messaging campaign into their clients’ current billing processes.” If TSC is unable to secure payment with its pre-collection service, accounts are sent to the bad debt collections division. This division “uses a modern state-of-the-art collection software application called Collect Savvy” and a collection staff “trained on proper and respectful debt collection techniques and compliance with state and federal collection laws.” TSC’s consulting division helps clients “review current protocols and procedures to determine areas that are deficient and could be improved upon, or that are working correctly.”
TSC’s “predominate mix of business… is healthcare related…However, TSC also collects commercial debt, property management, day care, private schools, telecom, attorneys, and judgement collections.” TSC also has “an attorney who handles civil litigation.”
TSC cites membership in several professional associations, including the California Association of Collectors and the International Association of Credit and Collection Professionals. However, their website is designed for clients and does not include an easily accessible page for consumers with links and references to resources, laws, and enforcement agencies.
The BBB has closed 3 complaints against TSC Accounts Receivable Solutions in the preceding 3 years, with 1 complaint closed in the past 12 months. All of those complaints alleged problems with billing and collections. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has closed 15 complaints against TSC. Justia lists at least 2 cases of civil litigation involving TSC.
TSC Accounts Receivable Solutions
2701 Loker Ave., W., Ste. 270
Carlsbad, CA 92010
Telephone: (760) 757-0750
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely TSC 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 are some Sample Complaints
Complaints against TSC Accounts Receivable Solutions commonly cite problems resulting from disputes about the validity of debts and the accuracy of information reported to the credit reporting agencies. In July 2016 a complainant indicated she had placed fraud alerts on her credit reports with the credit reporting agencies, and “was shocked when…she checked…her credit reports to see 14 accounts added by TSC that” she alleged were not hers. She confirmed that one of the debts was correctly attributed to her name and social security number, but she insisted that she was not responsible for paying it. As for the other 13 delinquencies, she alleged they were not even her debts to begin with. In response, TSC confirmed that 13 of the items reported on her credit reports belonged to an individual or individuals with “a close name association,” but that they were incorrectly reported by the credit reporting agencies. TSC closed those accounts and notified “the credit bureaus to be sure to delete them from this consumer’s credit record.” As for the correctly reported item, TSC alleged that the “bill is correct and is unpaid.”
The complainant rejected TSC Accounts Receivable Solutions’ attempted resolution, indicating she had spoken “with someone from TSC last year after they placed…her name on a bill.” Allegedly, “the representative advised her that the bill was actually not…her bill nor in…her name and asked if …she had other family members…with the name they provided… The representative advised at that time that she was removing the debt.” The complainant stated that she “heard nothing else until …she received the alert on her credit report.” As a result, the complainant requested that TSC “send…a validation of debt…pursuant to… the FDCPA…that provides… competent evidence that she has any legal obligation to pay.” She also stated that if TSC “continues to report invalidated information to any of the three major credit bureaus (Equifax, Experian, Trans Union), this action might constitute fraud under both federal and state laws, and that … if any negative mark is found or continues to be reported on …her credit reports by TSC or the company…they represent, she will not hesitate in bringing legal action.” TSC responded by stating that they had “requested validation of this debt from…their client…. Once received, TSC will forward these documents to the consumer.”
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
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.
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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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