Have you been receiving constant calls from Financial Corporation of America (FCOA) about a debt you may or may not owe? Are these calls happening multiple times a day, at odd hours, or even at your workplace? You’re not alone—and you do have rights.
Debt collection harassment is a real and growing issue in the United States, and Financial Corporation of America has been the subject of many consumer complaints regarding aggressive or abusive practices. If you’re feeling overwhelmed, know that the Consumer Rights Law Firm, PLLC is here to help you fight back and regain peace of mind.
Who Is Financial Corporation of America?
Financial Corporation of America (FCOA) is a third-party debt collection agency headquartered in Texas. The company collects debts for a wide range of industries including healthcare providers, telecommunications companies, and financial institutions. Like many debt collectors, they are hired to recover money from consumers who are allegedly behind on payments.
While collecting a legitimate debt is legal, harassing or threatening consumers during the collection process is not.
Signs of Financial Corporation of America Debt Collection Harassment
The line between legal debt collection and harassment can be thin. Here are signs that FCOA may be engaging in illegal debt collection harassment:
1. Frequent or Repeated Calls
If FCOA calls you multiple times a day or leaves multiple voicemails without your consent, it could be considered harassment.
2. Calls at Inconvenient Times
Debt collectors are restricted by law from calling before 8 a.m. or after 9 p.m. If you’ve been contacted outside these hours, that may violate the Fair Debt Collection Practices Act (FDCPA).
3. Contacting Your Employer or Family
It’s illegal for a debt collector to discuss your debt with anyone other than you (except your spouse in some cases). If FCOA has called your employer, parents, or friends, this might be unlawful.
4. Threatening Language
Using threatening or abusive language, including threats of arrest, wage garnishment, or legal action without due process, is strictly prohibited.
5. Misrepresentation
FCOA cannot lie about the amount of debt you owe or claim to be government officials or attorneys if they are not.
Common Complaints About Financial Corporation of America
Many consumers have reported the following behaviors by FCOA:
● Being pursued for debts that aren’t theirs
● Receiving collection notices for already paid bills
● Being pressured to pay immediately without verification
● Invasion of privacy through calls to relatives or employers
● Rude, aggressive, or threatening representatives
If you’ve experienced any of the above, you are not powerless.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from abusive, unfair, and deceptive debt collection practices. Under the FDCPA, you have the right to:
● Request debt validation
● Dispute the debt
● Tell the collector to stop contacting you
● Be free from threats or abuse
● Sue the collection agency for damages
You also have protection under the Telephone Consumer Protection Act (TCPA), which restricts the use of robocalls and autodialers without your consent.
If FCOA has violated these laws, you could be entitled to statutory damages of up to $1,000 per FDCPA violation and potentially more under the TCPA.
What Can You Do If You’re Being Harassed by FCOA?
1. Document Everything
Keep a detailed log of all calls, voicemails, texts, and letters from Financial Corporation of America. Save screenshots and record dates and times.
2. Request Debt Validation
Under the FDCPA, you have the right to request written proof of the debt within 30 days of being contacted. If they cannot verify the debt, they must stop collection efforts.
3. Send a Cease-and-Desist Letter
If you no longer wish to be contacted, send a written letter requesting that all communications cease. Once they receive it, they can only contact you to say they will stop or that they’re taking legal action.
4. Consult a Consumer Protection Attorney
The law is on your side—but navigating it alone can be tough. That’s where the Consumer Rights Law Firm, PLLC comes in.
How Consumer Rights Law Firm, PLLC Can Help You
Consumer Rights Law Firm, PLLC is dedicated to protecting individuals like you from debt collection harassment. Their experienced attorneys specialize in consumer protection laws, including:
● FDCPA
● TCPA
● FCRA (Fair Credit Reporting Act)
Here’s how they can help:
📞 Stop the Harassment
Once you hire a lawyer, debt collectors like FCOA are legally required to communicate with your attorney, not you. This alone brings you relief from calls and letters.
🔍 Investigate Violations
The firm will review your case and identify any violations of state or federal laws. Even one unlawful call can be grounds for legal action.
⚖️ Sue for Damages
If FCOA has violated your rights, you may be entitled to compensation. Consumer Rights Law Firm, PLLC can sue the agency on your behalf.
💰 No Out-of-Pocket Fees
They work on a contingency basis—which means you pay nothing unless they win or settle your case.
Real-Life Example: How We Helped a Client Harassed by FCOA
Imagine this:
Sarah, a single mom from Ohio, started receiving calls from FCOA about a medical debt she didn’t recognize. The agent called her workplace and even left a voicemail threatening to garnish her wages.
Stressed and unsure of what to do, Sarah contacted Consumer Rights Law Firm, PLLC. The team quickly identified FDCPA violations, filed a lawsuit, and secured a $2,000 settlement for Sarah. Even better, the harassment stopped immediately.
You could be next.
What If You Don’t Owe the Debt?
FCOA and other agencies often pursue the wrong person, wrong amount, or an already-paid debt. Under the FDCPA, you’re not responsible for proving you’re innocent—the burden is on them to prove you owe the debt.
If you’re being harassed for a debt that isn’t yours, or you’ve already settled or paid the debt, don’t give in. Let our attorneys handle it for you.
State Laws That Also Protect You
In addition to federal laws, your state may have its own debt collection laws that offer even more protection. Some states provide for greater financial penalties and broader definitions of harassment. Consumer Rights Law Firm, PLLC knows how to navigate both federal and state laws to your advantage.
Ready to Fight Back Against FCOA?
You don’t have to endure constant phone calls, stress, and intimidation. If Financial Corporation of America is harassing you over a debt—real or mistaken—take action now.
Reach out to Consumer Rights Law Firm, PLLC and put an end to the abuse. You could be entitled to compensation and finally reclaim your peace of mind.
Final Thoughts
Financial Corporation of America debt collection harassment is not something you have to tolerate. With the right legal support, you can fight back, protect your credit and peace of mind, and even get compensated for the stress you’ve endured.
Let Consumer Rights Law Firm, PLLC stand up for you.