The collection industry is massive in the U.S. Thousands of companies collect literally billions of dollars’ worth of debt every year. When you have a debt sent out for collection, the company assigned to your account will call you, send letters, and press for payment.
They don’t always do so in an ethical manner either, but know that you have rights that protect you against such treatment.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) protects indebted consumers from third-party debt collectors who might otherwise behave in ways that would drive them to bankruptcy. It restricts what collection agencies can do and prohibits actions like the following:
- Calling you before 8:00 a.m. and after 9:00 p.m.
- Calling you at work after you tell them that you can’t take personal calls there
- Using profane or obscene language
- Making threats they have no intention of following up on, such as seizing your house or having you arrested
- Calling you at work if they know what such calls are not allowed
- Leaving voice messages that do not identify the collector and the purpose of their call
Company Profile: Bayview Solutions, LLC
If you are being called by Bayview Solutions, LLC, information about the company is below.
Bayview Solutions, LLC, which also does business as Bayview Risk Management Capital and Bayview Commercial Recovery, is a debt collection agency located in Saint Petersburg, Florida. It was established in 2008, has less than 10 employees, and is managed by its President, Aron Tomko.
A close examination of records archived at the PACER (Public Access to Court Electronic Records) website confirms that consumers who believed they were being harassed by Bayview Solutions, LLC refused to yield to pressure and pay.
Alleged Violations against Bayview Solutions, LLC
According to PACER, in or around early 2016, Bayview Solutions, LLC started trying to collect a debt from a Washington resident. He later alleged that during these collection attempts, the company threatened to sue him, leaving voicemails stating that it would be “seeking litigation” and “move forward with legal documents”.
The Washington resident also complained that collectors failed to identify themselves as such in each email and did not send him debt validation when asked. Feeling harassed by Bayview Solutions, LLC, the Washington resident hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Threatening to take an action or actions that cannot be legally taken
- Using false, deceptive, and misleading means to collect a debt
- Failing to send validation of the debt
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are:
If you see either one of them on your caller ID at any time, you are being called by Bayview Solutions, LLC, presumably about a debt you are believed to owe. If they threaten litigation to intimidate you into paying, contact a consumer attorney who can help you prepare and file a claim against Bayview Solutions, LLC.
You could potentially win $1,000 per FDCPA violation, so when debt collectors cross the line, never be too intimidated to push back.
*Case taken from PACER (www.pacer.gov). File number is Case 3:16-cv-05352-RBL from the United States District Court for the Western District of Washington at Tacoma.
Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Bayview Solutions, LLC, or any other third-party collection agency, you may not be entitled to any compensation.