How to Resolve a Debt With Falls Collection Service

Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

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.

Sued by Falls Collection Service? Settle your debt with the help of SoloSettle.

Settle with SoloSettle

Make an Offer

What is Falls Collection Service?

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:

Credit card debt
Medical debt
Manufacturing debt
Trucking debt
Other consumer debts

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.

Make Falls Collection Service validate a debt

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:

Proof that you owe the debt
The amount of the debt
The age of the debt
Falls Collection Service’s ownership of the debt
Falls Collection Service’s debt collector license, or right to collect on the debt in your state
A calculation of whether the statute of limitations has expired for collecting the debt
The last action taken on the account

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
Phone: 1-800-769-6155

Respond to a debt lawsuit

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:

Respond to each claim against you.
Assert your affirmative defenses.

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.

Settle your debt with Falls Collection Service

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:

Debt resolution is possible

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.

What is SoloSuit?

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.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.

We have answers

Join our community of over 40,000 people.

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.

Get Started

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court

Not sued yet?

Use our Debt Validation Letter.

Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.

Let's Do It

It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.

"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather