Terms and Conditions

First Solution Associates LLC – FDCPA Compliance

1. Compliance with the Fair Debt Collection Practices Act (FDCPA)
First Solution Associates LLC (“the Company”) conducts all collection activities in accordance with the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq., and all applicable federal and state laws governing debt collection

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2. Prohibited Practices

  • The Company will not use any false, deceptive, misleading, harassing, abusive, or unfair practices in the collection of debts
    The Company will not threaten legal action, arrest, or use profane language in any communication with debtors. The Company will not contact debtors before 8:00 a.m. or after 9:00 p.m. local time, nor at any time known to be inconvenient to the debtor. The Company will not communicate with a debtor who is represented by an attorney, except as permitted by law.

 

3. Communication and Disclosure

  • All initial written or oral communications with consumers will clearly state that the communication is from a debt collector and that any information obtained will be used for that purpose.Subsequent communications will disclose that they are from a debt collector.The Company will not disclose the existence of any debt to third parties except as permitted by law

 4. Debt Validation and Dispute Rights

  • Within five days of the initial communication, the Company will provide a written notice containing the amount of the debt, the name of the creditor, and a statement of the consumer’s right to dispute the debt within 30 days. If the consumer disputes the debt in writing within 30 days, the Company will cease collection activities until the debt is validated and the consumer is provided verification

 

5. Consumer Rights

  • Consumers have the right to request that the Company cease further communication; upon receipt of such a request in writing, the Company will comply except as permitted by law, Consumers may report any suspected violations of the FDCPA to the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), or their state attorney general’s office

 

6. Fees and Charges

  • The Company will only collect amounts expressly authorized by the agreement creating the debt or permitted by law

 7. Record keeping

  • The Company maintains detailed records of all collection activities and communications in compliance with FDCPA requirements

 

8. Changes to Terms

  • These Terms and Conditions may be updated to reflect changes in law or business practices. Notice of material changes will be provided as required.

    By engaging First Solution Associates LLC for collection services, you acknowledge and agree to these Terms and Conditions, which are designed to ensure compliance with the FDCPA and protect the rights of all parties involved.