FYP Business Services: What to Do About Debt Collection Calls

If FYP Business Services is contacting you repeatedly about a debt, especially via phone calls, you may be dealing with harassment. This article shows who they are, your rights under consumer protection laws, and steps you can take to stop unwanted calls.

Who Is FYP Business Services LLC?

FYP Business Services LLC is a company that acts as a debt collector for creditors. They reach out to consumers who have supposedly overdue accounts using calls, letters, or messages. Some consumers report aggressive tactics, misleading statements, or persistent calling even after refusals. Knowing who you're dealing with helps you respond effectively.

Legal Protections You Have

Below are key protections you can invoke when facing debt collection calls:

Harassment Is Not Allowed

Under laws such as the FDCPA, debt collectors may not harass you. That includes calling you repeatedly to annoy, using threats, profanity, or intimidation.

Right to Validate the Debt

You can demand written proof that the debt is valid and that FYP Business Services has the right to collect it. Until they validate, they may not lawfully continue collection efforts.

Cease-and-Desist Requests

You are entitled to send a written notice requesting that they stop contacting you. Once they receive it, further calls are generally prohibited except to confirm receipt or inform of legal action.

Reasonable Contact Times & Methods

Collectors cannot call you at unreasonable hours (for example before 8 a.m. or after 9 p.m.) unless you agree. They also must respect your request not to call at work or via certain methods.

Common Complaints About FYP Business Services

Many consumers have reported:

  • Multiple calls a day even after demanding a stop

  • Lack of response when asking for validation

  • Demands for amounts that seem incorrect or vague

  • Confusing or misleading statements to pressure payment

Always document every contact—note the date, time, phone number, and what was said. This supports your case if you escalate.

What Steps You Can Take

Keep Detailed Records

Record all interactions: calls, voicemails, texts, letters. These records are essential if you pursue complaints or legal remedies.

Ask for Debt Validation

Send a written request to FYP Business Services asking them to validate the debt with documentation showing original creditor, amount owed, and itemized charges.

Issue a Cease-and-Desist Letter

A clear, written demand for them to stop calling you may legally force them to cease most contact (aside from certain exceptions).

Consult a Consumer Law Attorney

If harassment continues, a lawyer specializing in debt collection and consumer protection can help you explore lawsuits or negotiating a resolution.

Reporting Violations & Taking Action

If FYP Business Services violates debt collection laws like the FDCPA, you can report them to:

  • Consumer Financial Protection Bureau (CFPB)

  • Federal Trade Commission (FTC)

  • Your State’s Attorney General

You might also consider legal action to seek damages, attorney’s fees, and to hold them accountable.

You can find more details and guidance in this article on FYP Business Services calls: FYP Business Services debt-collection calls.