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Foster and Monroe LLC


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Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.

  • 1 Comment

    1. Amy on October 12, 2016 at 12:05 pm

      I was called by Wayne Lee as an associate of Foster & Monroe in New York twice in a row from an unknown number at 5:09 and 5:10 yesterday afternoon, 10/11/2016. He informed me that he had a summons complaint that was returned as undeliverable to me at my home. He said I had to contact him immediately for redelivery of the paperwork or he would have to report to the county clerk that I was an uncooperative defendant in this matter to be pursued accordingly per local statute. I called the company back and after 10 minutes of searching they found my “file” and said I was being sued. They gave me an amount more than double the original balance of $300, which I am more than willing to pay, and told me I would probably end up paying about $2000 after court costs. I am not one to be taken for a ride so I contacted the original card issuer and they told me who had the account and it was not almost $700. After multiple phone calls, I located who actually owns the debt and they were appalled that I was being threatened with legal action and scammed for hundreds of dollars. Foster & Monroe needs to be shut down and not allowed to threaten any more people. I agree with paying your debts, I do not agree with being lied to and threatened. How many other people have had to deal with them and possibly lost money? Enough is enough. I will pay the money I owe to the actual debt holder, Foster & Monroe should be penalized for their illegal actions.

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