Is Bayview Solutions calling you repeatedly? Threatening legal action? Harassing your family? If you believe you’re experiencing Bayview Solutions debt collection harassment or Bayview Solutions phone harassment, you have legal rights. Potential violations of federal debt collection laws may result in compensation up to $1,000 plus attorney fees. Here’s everything you need to know about Bayview Solutions and how to stop their harassment.
Who Is Bayview Solutions LLC?
Bayview Solutions LLC (also known as BVS or Bayview Collections) is a third-party debt buyer and collector headquartered at 111 2nd Ave., NE, Suite 900, Saint Petersburg, FL 33701-3434. Founded in January 2008, this Florida-based company has been operating for over 20 years, purchasing portfolios of charged-off accounts and attempting collection through direct contact and partner agencies. Many consumers report experiencing Bayview Solutions phone harassment from this company’s collection efforts.
Also Read: How Much Does Collection Agency Pay for Debt? All You Need to Know
Bayview Solutions Business Profile:
- Primary Phone: (866) 546-9088
- Alternative Names: Bayview Risk Management Capital (BRMC), Bayview Collections, BVS
- BBB Rating: C (due to failure to respond to consumer complaints)
- CFPB Complaints: 13+ closed complaints since March 2015
- Annual Revenue: Estimated $250,000+ (Buzzfile)
- Legal Cases: 3+ civil litigation cases on Justia
Important: Bayview Solutions operates under multiple business names, including Bayview Risk Management Capital (BRMC), Bayview Collections, and may use various phone numbers and collection tactics. If you think you’re experiencing Bayview Solutions debt collection harassment from any of these entities, it’s important to understand your rights.
Bayview Solutions Harassment: What Consumers Report
The Consumer Financial Protection Bureau (CFPB) and federal court records show patterns of consumer complaints regarding Bayview Solutions debt collection practices. If you believe you’re experiencing similar issues with Bayview Solutions phone harassment or other collection tactics, you may have legal options:
Common Bayview Solutions Collection Tactics:
If you believe Bayview Solutions is engaging in any of these behaviors, you may be experiencing Bayview Solutions debt collection harassment:
1. Repeated and Excessive Calls (Bayview Solutions Phone Harassment)
If you’re receiving multiple calls per day from Bayview Solutions, sometimes 10+ times daily, calls before 8:00 AM or after 9:00 PM, or continued calling after being told to stop, this may constitute phone harassment.
2. Threats of Legal Action
If Bayview Solutions is threatening immediate lawsuits without legal basis, making false claims about wage garnishment, or misrepresenting their legal authority or consequences, these tactics may potentially violate federal law.
3. Third-Party Contact Violations
If you believe Bayview Solutions is calling family members, neighbors, and coworkers inappropriately, discussing debt details with unauthorized parties, or contacting employers without permission, this behavior may constitute harassment.
4. Debt Misrepresentation
Suppose Bayview Solutions is attempting to collect already-paid debts, demanding payment for unverified accounts, collecting more than legally owed, or failing to provide debt validation when requested. In that case, these practices may potentially violate your rights.
5. Abusive Communication
If you believe Bayview Solutions is using profane or threatening language, making false criminal accusations, or employing intimidation tactics, this may constitute Bayview Solutions debt collection harassment.
Also read: Harassed by Hartman & Associates? Here’s What You Need to Know About Your Rights
Real Case Example: CFPB Complaint Against Bayview Solutions
Case Summary: In May 2017, a consumer filed a complaint stating he had paid $2,100 to settle a delinquent account years earlier. Bayview Solutions later contacted him, claiming he still owed the same $2,100 debt. When the consumer requested detailed records to clarify the confusion, the consumer reported that Bayview Solutions failed to provide promised documentation, demanded payment for the previously settled debt, offered to “refund” the $2,100 but claimed he’d still owe the original debt, and never provided proper debt validation.
Result: The consumer paid out of fear but never received the promised account records or resolution.
Bayview Solutions Phone Numbers to Watch For
If you’re receiving calls from these numbers, it’s likely Bayview Solutions:
- (866) 546-9088 – Primary number
- (727) 235-6016
- (800) 714-0474
- (727) 235-6015
Note: Bayview Solutions may use additional numbers not listed here. If you’re unsure about a caller’s identity, contact The Wood Firm PLLC for verification assistance.
Federal Court Cases Against Bayview Solutions
Bayview Solutions has been named as a defendant in multiple federal FDCPA violation lawsuits:
- Eckley v. Bayview Solutions (5:18-cv-00551-JRA)
- Harris v. Bayview Solutions (3:18-cv-02297-JGC)
- Fernandez v. Bayview Solutions (5:18-cv-02261-VKD)
- Wylie v. Bayview Solutions (8:18-cv-00081-JSM-AAS)
- Ricketts v. Bayview Solutions (0:18-cv-62202-WPD)
Additionally, company executives Aron Tomko and Jonathan Ortiz have been named as defendants in legal proceedings involving Bayview Solutions LLC and Federal Trade Commission matters.
Your Rights Under the Fair Debt Collection Practices Act (FDCPA)
The FDCPA provides strong consumer protections against debt collection harassment. If you believe Bayview Solutions is engaging in any of these potentially problematic practices, you may have legal options. Under federal law, debt collectors may not engage in the following behaviors:
Potentially Prohibited Actions:
If you think Bayview Solutions has engaged in any of these behaviors, you may be experiencing harassment: calling before 8:00 AM or after 9:00 PM, using profane, obscene, or abusive language, threatening violence or action they don’t intend to take, calling repeatedly to harass or annoy, discussing your debt with family, friends, or coworkers, misrepresenting the debt amount or their legal authority, continuing collection after receiving written dispute, threatening arrest for unpaid debts, or making robocalls without consent.
Additional Federal Protections:
- Fair Credit Reporting Act (FCRA): Regulates how debts appear on credit reports
- Telephone Consumer Protection Act (TCPA): Restricts robocalls and auto-dialing
How The Wood Firm PLLC Stops Bayview Solutions Harassment
If you believe you’re experiencing Bayview Solutions debt collection harassment or Bayview Solutions phone harassment, The Wood Firm PLLC can help. With over 15 years of consumer law experience and an A+ Better Business Bureau rating, we have successfully helped thousands of consumers address debt collection concerns.
Our Process:
When you believe you’re experiencing Bayview Solutions harassment, we provide a free case evaluation to analyze your situation at no cost, take immediate action by sending cease-and-desist communications, gather legal documentation and evidence of potential violations, file federal lawsuits when appropriate, and pursue all available damages on your behalf.
What We Provide:
We offer no fees unless we win your case, nationwide representation, immediate harassment relief, personalized legal strategy, and maintain an A+ BBB rating with a proven track record.
Compensation for Potential FDCPA Violations
If you believe Bayview Solutions has potentially violated the FDCPA in their collection efforts, you may be entitled to significant compensation.
Available Damages:
Potential compensation may include up to $1,000 in statutory damages per potential violation, actual damages including emotional distress, lost wages from harassment at work, and attorney fees and court costs that may be paid by the collector.
Important: You typically pay nothing unless we win your case. The debt collector pays all attorney fees and costs.
Client Success Stories: Real Results Against Bayview Solutions
Case 1: Addressing Excessive Calling
“Bayview Solutions called me 10+ times daily about a credit card debt I didn’t recognize. After telling them to stop, they continued calling, even at my workplace. I believed this was harassment, so I contacted The Wood Firm. They sent a cease-and-desist letter and filed an FDCPA lawsuit. The calls stopped within 48 hours, and I received a $3,500 settlement. If you think Bayview is harassing you, call these attorneys immediately.”
Case 2: Credit Reporting Issue Resolution
“Bayview Solutions reported an old medical debt to credit bureaus without proper verification. I thought this might be wrong, so I contacted The Wood Firm. They demanded proof under the Fair Credit Reporting Act (FCRA). When Bayview couldn’t provide validation, they deleted the debt and paid me $2,100 for the potentially improper reporting. My credit score increased 98 points!”
Case 3: Robocall Settlement
“Bayview bombarded my phone with pre-recorded robocalls without my consent. I believed this was harassment, so I called The Wood Firm. They sued them under the TCPA and won a $5,000 settlement for me. No more calls, no debt, just justice. These attorneys don’t mess around!”
Frequently Asked Questions About Bayview Solutions
Is Bayview Solutions a legitimate company or a scam?
Bayview Solutions is a legitimate debt collection agency incorporated in Florida since 2008. However, being legitimate doesn’t mean they always follow federal debt collection laws. If you believe they are engaging in harassment or misleading practices, they may potentially be held accountable under the FDCPA.
Can Bayview Solutions garnish my wages?
Only after filing a lawsuit and obtaining a court judgment, unless the debt involves federal student loans or other specific categories. If they’re threatening wage garnishment without taking legal action, this may potentially be an FDCPA violation.
Can Bayview Solutions sue me for a debt?
Yes, but only if the debt is valid and within your state’s statute of limitations, they follow proper legal procedures, and they can validate the debt when requested. If they’re threatening lawsuits without intent to file, this may be a potential FDCPA violation.
Can Bayview Solutions call my job or family members?
Only to locate you, and only if they cannot reach you directly. They cannot:
- Discuss your debt details with third parties
- Call repeatedly to pressure family members
- Contact your employer multiple times
Can I be arrested for not paying a Bayview Solutions debt?
No. Unpaid consumer debts are civil matters, not criminal offenses. Debt collectors who threaten arrest are violating federal law. However, ignoring valid court orders can result in legal consequences.
What if Bayview Solutions is calling about a debt I already paid?
This is a common issue that may constitute Bayview Solutions debt collection harassment. If you believe you’re being contacted about a previously resolved debt, demand written validation and contact The Wood Firm immediately. Collecting on paid debts may potentially result in significant FDCPA violations.
Resolving Paid or Disputed Account Issues
One frequent complaint against Bayview Solutions involves attempts to collect debts that may be already paid in full, discharged in bankruptcy, not owed by the contacted person, or beyond the statute of limitations.
While Bayview Solutions promotes a “60-day buyback guarantee” for portfolios containing paid, deceased, or bankruptcy accounts, this doesn’t prevent harassment or confusion from occurring.
If you believe you’re being contacted about a resolved debt, we may be able to demand proper debt validation, clear your name from collection efforts, pursue potential FDCPA violation claims, and remove incorrect credit reporting.
Take Action Today: Stop Bayview Solutions Harassment
You don’t have to tolerate potential debt collection harassment. If you believe Bayview Solutions has called you repeatedly despite requests to stop, threatened legal action they cannot take, contacted your family or employer inappropriately, attempted to collect unverified or paid debts, or used abusive or misleading language, The Wood Firm PLLC is here to help.
Contact Us Now for Your Free Case Review:
📞 Call: +1 844-638-1122 📧 Email: help@protectionforconsumers.com 💻 Address: 620 West Third Street, Little Rock, AR 72212
Available 24/7 for emergency harassment situations
Why Choose The Wood Firm PLLC?
We maintain an A+ Better Business Bureau Rating, have 15+ years of consumer law experience, have handled thousands of successful cases, offer no fees unless we win, provide nationwide representation, and take immediate action on potential harassment cases.
If you think you’re experiencing Bayview Solutions debt collection harassment or Bayview Solutions phone harassment, don’t let them potentially violate your rights. Contact us today, and let’s hold them accountable while protecting your future.
