Hannah Locklear | August 23, 2023
Summary: If Falls Collection Service (aka Financial Control Solutions) is contacting you about a debt, SoloSuit is here to help you resolve it, whether it’s through debt validation, responding to your debt lawsuit, or settling the debt before your court date.
Debt collection can be a daunting experience for many, especially if you're unfamiliar with the process. If Falls Collection Service (or a similar debt collection agency) has reached out to you, it’s important to take action.
Stay calm and professional when dealing with debt collectors. Remember, they're doing their job. Being aggressive or confrontational won't help your situation and could complicate matters. In this article, we’ll explain how you can resolve a debt with Falls Collection Service, whether it after initial contact, in response to a debt lawsuit, or settling before your court date.
Falls Collection Service, Inc. is a debt collection agency located in Germantown, Wisconsin. You won’t be able to find the company on Google, however, because Falls Collection Service does business as Financial Control Solutions (FCS).
So, if you get contacted by Falls Collection Service, Inc. or Financial Control Solutions, chances are you owe some type of debt. Falls Collection Service specifically performs collections services for the following types of debt:
Falls Collection Service has been in operation since 1973, and this debt collection company helps with pretty much any stage of the debt collection process, whether that’s third party collections or taking people to court. It is accredited by the Better Business Bureau with an A+ rating as of 2023. Despite its high rating, the complaints against Falls Collection Service are concerning. Some agents have used aggressive tactics to collect debts.
When Falls Collection Service contacts you about a debt, it’s important to know your rights. First and foremost, you should know that you are entitled to a debt validation each time a debt collector contacts you.
If a debt collector has contacted you about a debt, you should respond with a Debt Validation Letter within 30 days of initial contact before making any payments.
A Debt Validation Letter is a type of legal demand letter that asserts your rights in the Fair Debt Collection Practices Act (FDCPA), which says:
“If the consumer notifies the debt collector in writing within the thirty-day period . . . that the debt, or any portion thereof, is disputed . . . the debt collector shall cease collection of the debt . . . until the debt collector obtains verification of the debt . . . and a copy of such verification . . . is mailed to the consumer by the debt collector.”
In order to validate the debt, Falls Collection Service must provide the following information:
If Falls Collection Service can’t provide you with all this information, there is a good chance they will give up. Even if you owe the full debt, the collector still may not be able to show proper documentation that you owe it, or they might not be able to show documentation that they own the debt and have the right to collect on it. This is what makes a Debt Validation Letter such a powerful tool for debt resolution.
Here’s the contact information for Falls Collection Service:
Address: N114 W19225 Clinton Drive, Germantown, WI 53022
Read more: How to Make a Debt Validation Letter
If the debt is valid and within the statute of limitations, you might consider negotiating with Falls Collection Service. But first, be sure to respond to any legal action they may have taken against you.
If you get sued for medical debt, the first step you should take is to respond to the lawsuit before your state’s deadline. To respond to a debt lawsuit, you have to draft and file an Answer into the case. In your Answer, you should:
SoloSuit can help you draft and file a customized Answer to your debt lawsuit in minutes and increase your chances of winning. Our software helps you create a personalized response to your debt case, helping you avoid losing automatically by default judgment. All you have to do is respond to a series of questions about your case, and an Answer document will be generated for you.
Your Answer will be properly formatted, contain appropriate legal language, address all the claims against you, and include a section for your affirmative defenses.
After you file an Answer to your lawsuit, you have given yourself time to negotiate a debt settlement.
In a debt settlement, you offer your creditor a portion of the total amount due, usually at least 60% of the debt’s value. In exchange for a lump-sum payment, the Falls Collection Services agrees to drop any legal claims against you and release you from the remaining balance.
Once you've reached a settlement with Falls Collection Service, you should ask for a written agreement that outlines the terms you've agreed upon. Don't make any payments until you have this in hand. Finally, be sure to follow through on your end and make all payments as agreed upon. Late or missed payments can nullify your agreement.
As a part of your agreement, ensure the account is updated to show "paid" or "settled" on your credit report and that the balance is zero. Dispute any inaccuracies If your report hasn't been updated or if there are errors. You can do so by filing a dispute with the credit reporting agency.
To learn more about how to settle your debt, check out this video:
Dealing with a debt collection agency like Falls Collection Service can seem intimidating, but understanding your rights and being proactive can make the process smoother. Remember to stay calm, gather all relevant information, and consider professional assistance if you feel overwhelmed. And perhaps most importantly, let SoloSuit help you throughout the process.
SoloSuit makes it easy to fight debt collectors.
You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.
SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now are are just look for support, we're here for you.
Is your credit card company suing you? Learn how you can beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.
Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.
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