Debt can be overwhelming, but the stress escalates when you’re constantly harassed by debt collectors. One of the companies consumers frequently complain about is Financial Corporation of America (FCA). If you’re receiving aggressive phone calls, threats, or misleading statements from this debt collection agency, you’re not alone. You may be a victim of Financial Corporation of America debt collection harassment, and federal laws are in place to protect you.
In this comprehensive guide, we’ll explain your rights, break down the common harassment tactics used by FCA, and introduce you to Consumer Rights Law Firm PLLC, a team of legal professionals that can help you stop the calls and take action.
Who Is Financial Corporation of America?
Financial Corporation of America (FCA) is a third-party debt collection agency based in Texas. They specialize in collecting debts on behalf of original creditors in sectors like healthcare, utilities, telecom, and more. Like most debt collectors, FCA purchases or collects delinquent accounts and tries to recover the full balance from consumers.
While debt collection is legal, it must be done within the boundaries of the law. When companies like Financial Corporation of America cross those boundaries, it can result in harassment and consumer rights violations.
What Is Debt Collection Harassment?
Debt collection harassment refers to any aggressive, abusive, misleading, or unlawful attempt by a collector to recover a debt. While debt collectors have the right to contact you about unpaid debts, they are strictly prohibited from using intimidation, deception, or threats.
According to the Fair Debt Collection Practices Act (FDCPA), consumers are protected from unfair and abusive practices. Debt collectors are not allowed to:
● Call you before 8 a.m. or after 9 p.m.
● Call repeatedly to annoy or harass
● Use profane or abusive language
● Misrepresent who they are
● Threaten legal action they cannot take
● Contact your family, employer, or friends to pressure you
● Ignore requests to stop communication
If FCA or any other agency is doing any of the above, it qualifies as debt collection harassment.
Common Complaints Against Financial Corporation of America
Consumers across the country have reported issues with Financial Corporation of America debt collection harassment, including:
1. Repeated and Robocalls
Many consumers have reported receiving multiple calls per day from FCA, sometimes even using automated dialing systems (robocalls).
2. Calling at Inappropriate Times
FCA representatives have been known to contact consumers early in the morning, late at night, or even on weekends—times outside the limits set by the FDCPA.
3. Threats of Legal Action
Several complaints include threats of lawsuits or wage garnishment, often without any real legal process initiated.
4. Sharing Information with Third Parties
There are cases where FCA collectors allegedly disclosed debt-related information to a consumer’s coworkers or relatives—this is a direct violation of privacy rights under federal law.
5. Rude and Intimidating Behavior
Consumers report aggressive tones, yelling, or sarcastic comments from collectors when they ask for clarification or express concern.
If you’ve experienced any of the above from Financial Corporation of America, you may be eligible to take legal action.
Are Their Practices Legal?
It depends. While Financial Corporation of America has the right to collect a debt, they must comply with the FDCPA. When their tactics cross the line into harassment, it becomes illegal.
In addition to FDCPA, consumers are also protected under:
● Telephone Consumer Protection Act (TCPA) – Protects against unsolicited robocalls and text messages.
● Fair Credit Reporting Act (FCRA) – Ensures accurate and fair credit reporting.
If FCA violates any of these laws, you have the right to fight back, and in many cases, you may be entitled to financial compensation.
Signs You’re Being Harassed by Financial Corporation of America
Here are red flags that suggest you are facing Financial Corporation of America debt collection harassment:
● Multiple calls daily or calls without voicemails
● Harassment at work or threats of job loss
● Pressure to pay without documentation
● Threats of jail, lawsuits, or seizing property
● Calls after you’ve requested in writing to stop
● Rude, aggressive, or humiliating behavior
● Inaccurate debt amounts or refusal to validate the debt
If you’ve said “yes” to any of the above, you are not alone—and there’s legal help available.
How to Respond to Financial Corporation of America
Here are immediate steps you can take:
1. Request Written Verification
Under FDCPA, you can ask FCA to provide a written verification of the debt. This prevents them from contacting you until the debt is validated.
2. Keep Records
Document every interaction with FCA: dates, times, names, and content of the calls or letters. These records can support your case if you take legal action.
3. Send a Cease and Desist Letter
You can request in writing that they stop contacting you. If they continue after receiving this letter, they are violating the law.
4. Check Your Credit Report
If they’ve reported the debt, check for inaccuracies. If they report incorrect info, it’s a violation of the FCRA.
5. Speak to a Consumer Protection Attorney
If the harassment continues or has already crossed legal lines, get in touch with a law firm that focuses on consumer rights.
How Consumer Rights Law Firm PLLC Can Help
If you’re tired of the phone calls, threats, and stress, the Consumer Rights Law Firm PLLC is here to stand up for you.
Why Choose Them?
● Specialists in Debt Collection Harassment: They focus on defending consumers against abusive debt collectors like FCA.
● Free Consultation: Their team offers a no-cost case review to determine if you have a valid claim.
● You May Be Entitled to $1,000 or More: Under FDCPA, you may be eligible for statutory damages up to $1,000, plus compensation for emotional distress and legal fees.
● No Upfront Fees: They often operate on a contingency basis, which means they don’t get paid unless you win.
● Stop the Harassment Immediately: Once you retain a law firm, they can legally request all communications go through them, giving you peace of mind.
Whether it’s getting FCA off your back or seeking financial compensation for their unlawful actions, Consumer Rights Law Firm PLLC can help you take control of the situation.
What Happens If You Sue Financial Corporation of America?
If a court finds that FCA violated the FDCPA or TCPA, you could receive:
● Up to $1,000 in statutory damages
● Actual damages (e.g., emotional distress, lost wages)
● Attorney’s fees and legal costs
And most importantly, it sends a clear message that harassment has consequences.
Real Consumer Review
“I was getting nonstop calls from Financial Corporation of America. They wouldn’t stop even after I asked them to send me something in writing. They kept threatening legal action. I contacted Consumer Rights Law Firm PLLC, and within days, the calls stopped. A few months later, I received compensation. I highly recommend them!”
— Jennifer R., Ohio
Final Thoughts
No one should be harassed, intimidated, or lied to—especially by companies like Financial Corporation of America. If you’re facing relentless calls or threats, it’s time to reclaim your peace of mind.
You are protected by law, and Consumer Rights Law Firm PLLC is ready to help you exercise your rights.
Take Action Now
If you believe you’re a victim of Financial Corporation of America debt collection harassment, contact the Consumer Rights Law Firm PLLC for a free consultation. They can help you:
Stop the calls
File a legal complaint
Seek compensation
Protect your credit and privacy
Get Your Free Case Review Today
Call now or visit their website to fill out a free case evaluation form. You don’t have to go through this alone. Let the professionals handle the stress so you can get back to living your life.
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