866-880-5589

Dear Jon,
We appreciate your concern and apologize for any inconvenience. If you are comfortable with email
communication, please write to us at team.fsl@firstsource.com and we shall do our best to assist
you in remediating your concern.
Best Regards, Team FSL

Dear User,
We appreciate your concern and apologize for any inconvenience. If you are comfortable with email
communication, please write to us at team.fsl@firstsource.com and we shall do our best to assist
you in remediating your concern.
Best Regards, Team FSL

Dear User,
We appreciate your concern and apologize for any inconvenience. If you are comfortable with email
communication, please write to us at team.fsl@firstsource.com and we shall do our best to assist
you in remediating your concern.
Best Regards, Team FSL

TeamFSL;

This is a public forum.  Debt collection is a private matter.  Please refrain from conducting business that violates your victim's privacy here.

There are proper methods for contacting someone that don't include violating FDCPA rules such as putting it into writing and sending it through the USPS.

If I check back here and see that you are continuing to conduct personal business in a public forum, I will take a screen shot of this and forward it to the FTC.

To 'User':  If you are in the US. email is not a valid means for conducting debt collection.  If I were you, I'd insist on getting any correspondence from TeamFSL in writing through the US mail.  If they attempt to make arrangements with you, email arrangements might not stand up in court where as something in writing through the US mail will.

Received a voicemail from these people saying they were debt collectors, go to website, etc., but the first time they addressed me by my name (as heard on my voicemail) and the second time by another name entirely. I found that to be a little odd so I looked them up, found all these posts and the weird responses supposedly by the company trying to get you to e-mail them?!? Blocking this number and staying as far away from these weirdos as possible.

The  F.T.C. ( Federal Trade Commission ) DOES NOT CARE  !!
It's a waste of time to complain to them. They only react to cases that bring big headlines or where the government can get a large fine. ( MONEY !! )

Anyone's best bet in dealing with these scammers is to keep records, make notes of time and date the calls were received. Call an attorney and see if you can record incoming calls in your state. In most states as well as mine, as long as one perty or the other to the call is aware of the recording, it is legal to record the call. Send the scammer collection agency a certified letter by U.S. Mail, return receipt requested. Telling them to CEASE AND DESIST calling you. List all the names and addresses they are calling you at. Tell them to stop sending any letters. Tell them to stop calling or making any contact with your neighbors, relatives, current, or former employers. Only list addresses and numbers in the letter that they have already called. Do not give them any information they dont already have.
Remember, they use anything against you that they find out about you.

Look up the --   " Fair Debt Collection Practives Act"

After you send the certified letter by u.s. mail with return receipt. Any calls or contact after that , you have proof that you told them to stop calling.
In todays economy, attorney's will take your case on a contigency basis . ( like they do in auto accident cases )  Attorney's will take you case for no money up front. They get paid when they win the case. The collection agency will have to pay your attorney and also pay you money.

Look up the Fair Debt Collection Practices Act. Read it. Understand it.

Sue the collection agency. Scammer agency.

These con artist collection agency's buy really old debt from original creditors that is out of statute of limitations, that also has incorrect address, home phone, work phone, etc. on the paperwork that comes
with each old acct.  They start calling looking for that person. After so many years had gone by that person no longer has that phone number. Someone else ( you or me ) has that phone number and the scammer collection agency DOES NOT care. All they want is to be paid the wind fall profit on such accounts. They dont care who pays the old bill. They will intimidate you, keep calling you, etc. hoping you will pay them to make them go away.
Their favorite thing is to call people, then have the person give their social security number to suppose
verify the scam collector has the right person. They then enter the innocent persons social security number intot he file. In theri mind they have the right person and (you) now owe the debt.
That's when they skip trace and find someone with a similar name as yours.

Lot of these scammers are from INDIA , a company in India purchased FirstSource collection agency.
So they now have access to credit bureau's, and other databases. Like one told me, the lazy americans who buy stuff on the credit think they dont have to pay that they will make americans pay.

BEWARE.

Look up __ Fair Debt Collection Practices Act.
Make the company  VERIFY the debt they claim you owe. Follow up with a certified letter by u.s. mail with return receipt so you have proof.
Require them to send you proof of their authority to collect the alleged debt. Not some computer printout with just a balance due. Require them to show where they purchased the alleged debt from the original creditor. A balance sheet showing each charge, each payment, a copy of each charge slip from each purchase on the account ( if it was a credit card )

These scam collection agencies collect the same account  balance amount from several different people.
They harass people that dont owe anything who's not the person that that opened or had the account.
Hoping people will pay to stop the calls whether they owe or not.

S C A M M E R S

P.S.   KEEP RECORDS, RECORD CALLS ( AFTER YOU VERIFY U CAN IN YOUR STATE ) THEN
         FILE A LAWSUIT IN FEDERAL COURT.  THAT IS THE ONLY WAY YOU CAN STOP THE
         SCAMMERS. CALLING THE  FEDERAL TRADE COMMISSION IS A WASTE OF TIME.

It's  the  F.T.C.  goofy.  NOT  F.D.C.

Federal Trade Commission.

For the record, the government (FTC) does not care. They act when and only when they can colect a
large fine and get big headlines in the news. They don't care.

Besides, they are not each individuals attorney. You need to get your own attorney and sue the scammer
collection agency. Attorney's take these type cases on a contingency basis. The scammer collection agency
has to pay your attorney and you. When they lose.

They lie !

They will not remove your number from anywhere. If they continue to call. Get an address for them and
send a Cease and Desist letter telling them to stop calling your number. Send it by U.S. Mail , Certified
Mail with Return Receipt.
Keep a copy of your letter telling them to cease and desist calling you, that your not the person their looking for. That no such person lives at your address.
This scammer company buy old,  out of statute of limitations debt that is not legall collectable in a court
of law. They have out dated contact information in the peperwork they receive on each account they buy.
This First Source scammers are from India and are too dumb to realize the accounts they buy are years
and years old and the person no long has the telephone number listed on the account. They are too dumb
to realize that phone numbers are re-assigned to totally new people when that number was disconnected
when the original person who had it did'nt pay the bill or moved on.

From my research, this First Source scammers are know most of the people they call are the wrong person.  My research shows these scammers don't care who pays the debt. They will  harass innocent people until that person actually pays the debt that does NOT belong to them just to get the calls to stop.
This scammer company has even been sued over and over in federal court. Unknown numbers of cases were settled out of court for a lesser amount to save on attorneys fee's and a sure verdict  award for the victim they were harassing.

Just BEWARE of these scammers.

P.S.

They supposedly ask for your social security number so they can verify you're the right person.

Under no circumstances give them your social security. Most of the very old
out of statute accounts they buy from original creditors do not have all the
identity information on the debtor owing the money. Most of the accounts do
not have social security numbers, birthdates, etc. Lot of time the account info
does not even have the full name or correct spelling of the person's name.
My research shows these scammers ask for your social security number and then place your .S.S number in the files as though you are the actual person.
In their mind now, you're the person they want. They now have your info to try to sue you in court.

So -- never --- give them your social security or birthdate or any part of them.

Let them tell you what they have and you tell them if it's correct or not.

Don't end up owing another person's debt. !!!!

Beware of these scammers

This company [ First Source Advantage ] is totally a scam company.
I was recently taken to the emergency room at the local hospital. I have insurance that covers  80/20.
Well, a few days later I received the first letter from these scammers. It said I needed to fill out an enclosed
form giving them total permission to sign my name on any forms they see fit, so they can apply for government aid, medicaid, social security, on and on. The form said I would agree that my private medical
history, information, etc. would not longer be protected by law. That they could do anything they want to with my medical  records. I was puzzled as I have insurance, I have the means to pay an co-payments besides the 200.00 co-payment I paid the night I was taken to the E.R. Made me so mad that the hospital
released my name and contact info to such a place.  As I have insurance and owed no one anything I ignored the first letter. Less than a week after receiving the first letter I received another letter telling me they
were trying to contact me- that I needed to call them. I called them the next day. TYhe young woman that
answered the phone said I was required to fill out the authorization form they sent. Telling me I was REQUIRED ; set me off !!   I gave her a big piece of my mind. For one thing, I pay more tax than she makes a year. Second, I have insurance and paid my co-pay and would under no circumstances qualify for medicaid, or any type government aid.  (  my house payment is 1819.93 per month that I pay very easily )
I'm at a losee as to why and how these people would thing I would qualify for medicaid or any government aid.  I did a little checking around online and found where these scammers had applied for government aid in another persons case and these scammers lied on the government application.
I asked the young woman on the phone how they got paid for their so called service, up to that moment she was sort of nice even after I had give her a piece of my mind at the beginning of the call. I told her in this day and times that no one or no company does anything for free. That's where the call took a dark tone.
She started calling me  a dead beat , that i needed to get up to the hospital and set up payment arrangements, etc. That's where I used some really foul language at her.
The punch line is__ The final bill came in from the hospital and showed I owed  not one cent !!
My insurance paid and what they did'nt my 200.00 co-payment the night I was there , and I owed nothing!

Since then ,  I have been up to the hospital to the administrators office and let them have it. I've reported them to the state consumer affairs office. BBB. and cinsulted my company attorney.
My attorney found where this scammer company starts out early researching each and every person
[ patients at the hospital in my case ] researching their contact information, etc.  My attorney found online where this scammers have a website that brags about collecting early intelligence information of people
[ in my case , patients at the hospital] for if and when someone's account get's delinquent they will have gotten [intelligence] on the person in the beginning when it was easier than afterward when the person
hides.
Thing is, in my case I did'nt / don't owe anything. The hospital released my info for absolutely no reason.

These letters having been sent from a collection agency under the disguise of helping people find sources of payment , as in government aid, etc.  THESE LETTERS ARE SUPPOSE TO HAVE A DISCLAIMER ON THEM THAT IS REQUIRED BY LAW. SAYING---" This Communication Is From A Debt Collector And Any Information Obtained Will Be Used For That Purpose "
The letters they sent me did'nt not have that disclaimer on them. I contacted the state board that licenses
collection agencies and sent them copies of the letters I received , the bigus help letters that did'nt have the required disclaimers  along with website screen shots of their parent company websites where they brag about collecting customer intelligence;  and saying they are good at collecting past due accounts.
I've since heard back from the state Commerce and Insurance Dept that's over these comapnies.
The representative from the state commerce and insurance said the first source scammers are being sanctioned and will likely be fined once the state board meets.

Everyone please beware of these people.

They tried to scam you. The debt most like is past the statute of limitations to sue you / collect in a court of law. Don't mean they can't call and ask and or harass you into paying it. If you pay it, I know it's a small amount. but if you pay it , another mysterious bill will pop out of the wood work and they will call you again.
You did good by not giving them any information. If they call you again and I auusre you they will__
tell them you want the debt validated according to the  { Federal } Fair Debt Collection Practices Act.
Ask them for an address, don't tell them why you want the address and for god sakes dont tell them you will pay. Promising to pay will reset the clock on the statute of limitations. Get their address and follow up with a certified mail, return receipt letter to validate the debt they claim you owe.
Tell them a simple computer printout with a balance and name will not do. Tell them you need to see
the alleged debt on the original letterhead of the original creditor, a copy of their authorization from the original creditor authorizing them to collect the debt. If they purchased the debt fromt the original creditor, tell them in your letter you want a copy of their purchase agreement showing exactly where in the agreement  it shows they purchased the debt they claim you owe. Tell them in your letter that your aware of your rights under the fair debt collection practices act and that until they validate that you owe the alleged debt they are not to call or contact you again or report you delinquent to credit bureaus until the dbt has been validated. Then they cant report you if I'm not mistaken as credit accounts that are older than 8 or so yeasr old are not suppose to be on credit bureaus.
If they do validate the debt and contact you again. At that point, send them a Cease and Desist letter by u.s. mail, certified with return receipt requested

DO NOT , I repeat  DO NOT  e-mail these  mother   f 'ers.

They are scammers and will use anything and everything to scam you.

Do not e-mail them. You give them more ways to find out your personal information to scam you.

Their latest scam is related to hospitals.  I personally spoke with one woman who's father had just got out of
open heart surgery. These scum went into his room after he was moved from recovery,  while he was still heavily medicated his daughter got to the hospital and caught them trying to wake him up asking him personal questions. Wanting her to sign papers in his name. Also wanting her to sign saying she would  be responsible to pay his hospital bills. She said her father had medicaid that pays for everything. She said they tried to say they worked for the hospital. She said she knew enough to know the hospital obtained
all his information when he was admitted to the hospital. After more questions the mans daughter said the first source scammer got mad and admitted she did'nt really work  for the hospital directly. That she just worked with the hospital. She said she then ran the scammer from first source off.
They are not running scams against sick people prfetending to help them.

I'm telling all of you __ be careful of these people.

There: s no [***] do nt call lists if you owe money for a credit card!!! And collectors are hired behalf of the banks ! Not fist source and if its not you maybe pick up the phone or be un rude about it an have them removeyour number my god

Your retarted if anything the people that are called accutly do owe money and if u don't answer its new york laws you cannnn call a POE and a res # or cells at least once a day besides sundays if they were breaking law wouldn't they be shu t down already!?!? They opened in 1995!!  Ppeople pay  the bils they owe wouldn't be a such thing as collections hoy [***]

Wow, most shills are illiterate but you take the cake.  "RetarTed" - really?  Pot meet kettle.  Learn how to write and spell proper English you idiot!

The federal Do-Not-Call registry exists to help enforce the Telemarketing Sales Rule. Please note the operative term ''marketing''. A debt collector is not a sales person and is therefore not covered. Here are the DNC service terms everyone was supposed to review at registration time:

National Do Not Call Registry Q&A
http://www.consumer.ftc.gov/articles/0108-national-do-not-call-registry

The fact that "the government" does not send a bunko squad sliding down a brass pole to attack your personal problems is not evidence that regulatory bodies "do not care". The FTC has at most around thirty people assigned to work on a whole group of consumer protection matters, of which illegal debt collection is but one. The newer CFPB is busy working the angle of creating better industry controls and doing what the FTC cannot. You want action, get it yourself, as you have already lectured. The whole point of Congress passing the FDCPA 35 years ago was to deputize each of us in the fight against dirty debt collectors and give us effective weapons.

} perplexed when the AG's office suggested mailing a letter to the company directly

The commentor was fuming because a state AG office provided *correct advice*. When you write up a validation demand or a cease-comm letter, you're not giving away any information the collection agency does not already possess or cannot easily obtain from a host of databases. You must specify addresses and phone numbers which you do or do not want the agency to use to enforce your rights regarding communication. A state attorney general is not a citizen's personal attorney. I'm amazed how those facts are not obvious to so many people.

} stating that they do not call my cell (on the Do Not Call registry

The federal Do-Not-Call registry exists to help enforce the Telemarketing Sales Rule. Please note the operative term ''marketing''. A debt collector is not a sales person and is therefore not covered. Here are the DNC service terms everyone was meant to review at registration time:

National Do Not Call Registry Q&A
http://www.consumer.ftc.gov/articles/0108-national-do-not-call-registry

Interesting, and similar to the intrusive headgames which got Accretive Health fined and banned from Minnesota in July 2012. This helps confirm an industry trend I'd been seeing, in which collection agents posing as health care personnel do all but erect a tollbooth in the hospital to capture funds they are not entitled to have.

To Accretive Health Collectors: Don't Let the E.R. Door Hit You In the Assets
https://800notes.com/forum/ta-61cfa691d20a656 ... u-in-the-assets

You people don't resolve anything !

It took an attorney, a FDCPA lawsuit, a judge, and federal court in Dallas to get you idiots attention.

The only way I was able to stop these idiots was to sue them. That got their attention quick.

I suggest anyone here being harassed by these idiots, regardless if you owe the money or not; get a copy
of the Federal Fair Debt Collection Practices Act, call an attorney, and sue.

With the economy being bad there are many attorney's who will take your case on contigency, no cost to you if they
do not win your case.

The collection agency has to pay your legal fee's, court costs. ( as well as their own costs when you wind )

Funny thing, the amount I won in court was enough to pay what they were trying to collect with money left over.

They were violating my rights as they do many other people's rights under the Fair Debt Collection Practices Act.

Instead of getting on here and complaining to thin air for them to stop___

I got an attorney and took action. Legal action. The only thing they understand.