Is FBCS hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is FBCS?

Financial Business and Consumer Solutions or FBCS, Inc. is a debt collection agency headquartered in Hatboro, Pennsylvania. FBCS also has locations in North Cape May, New Jersey and Tampa, Florida.

If FBCS appears on your credit report, it typically signifies an unpaid bill that has been transferred to them for collection.

Who does FBCS collect for?

FBCS provides its debt collection services across various sectors. It works with companies in auto loans and leases, commercial recovery, consumer credit, healthcare, student loans, and utilities.

Is FBCS legit or a scam?

FBCS is a legitimate company. They’ve been in business since 1982 and were formerly known as Federal Bond Collection Services.

They operate within the laws governing debt collection and are authorized to collect on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove FBCS Collections from my credit report?

FBCS collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Financial Business and Consumer Solutions (FBCS) Contact Information


Financial Business and Consumer Solutions
330 S Warminster Road, Suite 353
Hatboro, PA 19040

Financial Business and Consumer Solutions
3860 Bayshore Road, Suite 8
North Cape May, NJ 08204

Financial Business and Consumer Solutions
3802 Corporex Park Drive, Suite 160
Tampa, FL 33619

Phone number: (866) 594-8640

Should I contact or pay FBCS, Inc.?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with FBCS is to work with a credit repair professional. They help remove millions of negative items every year from companies like Financial Business and Consumer Solutions on behalf of their clients.

Will FBCS, Inc. sue me or garnish my wages?

FBCS, Inc., like other debt collection agencies, has the legal authority to file a lawsuit against individuals who owe a debt. If they win the lawsuit and obtain a judgment against you, they might be able to garnish your wages or levy your bank account, depending on the laws in your state.

However, it’s important to understand that initiating a lawsuit is often considered a last resort due to the time, effort, and cost involved. This decision typically depends on various factors, such as the size of the debt, the likelihood of collecting the debt, and the specific policies of the collection agency.

FBCS, Inc. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Financial Business and Consumer Solutions

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for FBCS, Inc. to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • FBCS, Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • FBCS, Inc. must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • FBCS, Inc. cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove FBCS Collections From Your Credit Report Today!

Credit Saint can help you dispute FBCS accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.

Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.