If FBCS, Inc. is showing up on your credit report, it means an unpaid account was sent to collections. FBCS, short for Financial Business and Consumer Solutions, is a debt collection agency based in Hatboro, Pennsylvania, with additional offices in New Jersey and Florida.
Collections accounts can hurt your credit score, but there are ways to deal with FBCS—and possibly have the account removed.
Who Does FBCS Collect For?
FBCS works with a variety of industries, including:
- Auto loans and leases
- Commercial recovery
- Consumer credit accounts
- Healthcare providers
- Student loans
- Utility companies
If you’ve fallen behind on payments in any of these areas, your account may have been turned over to FBCS for collection.
Is FBCS, Inc. Legitimate?
Yes, FBCS is a legitimate debt collection agency. They’ve been in business since 1982 and were formerly known as Federal Bond Collection Services. However, always verify the debt before making any payments to ensure the information is accurate and belongs to you.
How to Remove FBCS From Your Credit Report
Collections accounts can stay on your credit report for up to seven years. To remove FBCS from your report:
- Dispute Inaccurate Information: If the account isn’t yours or contains incorrect details, file a dispute with the credit bureaus. They must investigate and correct any errors.
- Negotiate a Pay-for-Delete: Some collection agencies may agree to remove the account if you pay the balance. Always get the agreement in writing.
- Work With a Credit Repair Company: Many people hire credit repair professionals who help challenge negative marks from companies like FBCS.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay FBCS?
Before contacting FBCS or sending payment, verify the debt is valid and still legally collectible. Mistakes happen, and paying an invalid or outdated debt can sometimes restart the collection clock, making things worse.
Many people prefer to work with a trusted credit repair company to manage communication with FBCS and avoid common mistakes.
Can FBCS Sue You or Garnish Your Wages?
FBCS can sue you to collect unpaid debts. If they win a court judgment, they may be able to:
- Garnish your wages
- Freeze your bank account
- Place a lien on your property
Whether they can take these actions depends on your state’s laws. That said, lawsuits and wage garnishments are usually last-resort options. Most agencies prefer to settle the debt or set up a payment plan first.
FBCS Contact Information
- Hatboro, PA Office:
330 S Warminster Road, Suite 353
Hatboro, PA 19040 - North Cape May, NJ Office:
3860 Bayshore Road, Suite 8
North Cape May, NJ 08204 - Tampa, FL Office:
3802 Corporex Park Drive, Suite 160
Tampa, FL 33619 - Phone:
(866) 594-8640
Complaints About FBCS
FBCS has received consumer complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Incorrect information reported to credit bureaus
- Harassment or repeated phone calls
- Failure to verify debts
If you experience these issues, you can file a complaint:
- CFPB: Visit consumerfinance.gov or call (855) 411-2372
- BBB: Submit your complaint at bbb.org
Your Rights When Dealing With FBCS
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect your rights. You have the right to:
- Dispute inaccurate or incomplete information on your credit report
- Request debt validation within 30 days; FBCS must prove the debt is yours and accurate
- Be treated fairly; harassment, threats, or abusive language are illegal
- Be clearly informed they are a debt collection agency
- Never be threatened with arrest or jail for unpaid debts
If your rights are violated, report them to the CFPB or consider legal help.
Remove FBCS From Your Credit Report Today
Dealing with FBCS collections? You don’t have to face it alone. Credit Saint has helped thousands of people challenge negative items from collection agencies like FBCS.
They even offer a 90-day money-back guarantee for added peace of mind.
Ready to get started? Visit their website or call (855) 281-1510 today.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
