Who Is Bayview Solutions?
Bayview Solutions LLC is a third-party debt buyer and collector based in St. Petersburg, Florida. The company purchases portfolios of charged-off or delinquent accounts and attempts to collect on them, either directly or through partner agencies. They also promote themselves as offering resources to individuals entering the debt collection space. Additionally, they offer customized portfolios designed to meet individual needs.
While Bayview Solutions is a legitimate business that’s been operating for over 20 years, they’ve also been named in several federal lawsuits for allegedly using unlawful debt collection practices, including harassment and misrepresentation. Notably, Aron Tomko and Jonathan Ortiz have been defendants in legal proceedings involving Bayview Solutions LLC and the Federal Trade Commission.
Have You Experienced Harassment From Bayview Solutions?
Consumers have reported a variety of aggressive behaviors linked to Bayview Solutions, including:
1. Repeated and Unwanted Calls
Are you receiving multiple calls per day, or being contacted early in the morning or late at night? The FDCPA prohibits debt collectors from harassing you with excessive or poorly timed phone calls.
2. Threats of Legal Action or Wage Garnishment
If you’ve been told your wages will be garnished or that you’ll be sued unless you pay immediately, those statements may be false or misleading—especially if no legal action has been filed.
3. Contacting Third Parties About Your Debt
Has Bayview Solutions reached out to your family members, neighbors, or coworkers? Debt collectors are only allowed to contact third parties to locate you—not to disclose your debt.
4. Calling Your Employer
Unless you’ve explicitly given permission or your employer allows such communication, discussing your debt at work may violate your rights.
5. Misidentifying the Debt
Have they called about a debt you already paid, or one that doesn’t belong to you? Attempting to collect on a previously paid account, or a debt that’s inaccurate, expired, or already settled can be illegal if not properly verified.
What the FDCPA Says About Harassment
The Fair Debt Collection Practices Act sets strict rules on how debt collectors can communicate with consumers to ensure consumer protection. If Bayview Solutions is engaging in abusive, deceptive, or harassing behavior, they may be violating federal law.
Under the FDCPA, collectors may not:
- Contact you before 8:00 a.m. or after 9:00 p.m.
- Call repeatedly to annoy or harass
- Threaten you with legal action they don’t intend to take
- Use profane or abusive language
- Discuss your debt with anyone other than you or your spouse
- Misrepresent who they are or the amount you owe
- Continue collection efforts after receiving a written dispute
Known Bayview Solutions Phone Numbers
If you’re receiving calls from any of the following numbers, they may be linked to Bayview Solutions:
- 866-546-9088
- 727-235-6016
- 800-714-0474
- 727-235-6015
Note: This is not a complete list. Bayview Solutions may use other phone numbers or call from disguised lines. If you’re unsure, The Wood Firm PLLC can investigate and help confirm the caller’s identity. Having accurate contact information is crucial to identify calls from Bayview Solutions and ensure you have the necessary information to address any issues related to debt recovery.
Past Legal Complaints Against Bayview Solutions
Bayview Solutions has been named in several federal lawsuits for alleged violations of the FDCPA, including:
- Eckley v. Bayview Solutions
- Harris v. Bayview Solutions
- Fernandez v. Bayview Solutions
- Wylie v. Bayview Solutions
- Ricketts v. Bayview Solutions
While being named in a lawsuit does not automatically mean guilt, these cases highlight patterns of alleged abuse that consumers have taken seriously enough to pursue legal action. Additionally, Aron Tomko and Jonathan Ortiz have been named as defendants in legal cases involving Bayview Solutions LLC and the Federal Trade Commission.
How The Wood Firm PLLC Can Help
If you’re feeling overwhelmed or intimidated by calls from Bayview Solutions, you don’t have to handle it on your own. At The Wood Firm PLLC, we offer legal support to clients across the country who are being mistreated by collection agencies.
When You Work With Us, You Get:
- Free case evaluation services
- No fees unless we win
- Personalized legal support
- A firm with more than 15 years of experience in consumer law
- An A+ rating with the Better Business Bureau
We’ll assess your situation, determine whether your rights were violated, and take legal action if necessary.
Can You Receive Compensation?
Yes. If Bayview Solutions has violated the FDCPA in their efforts to collect a debt from you, you may be entitled to:
- Up to $1,000 in statutory damages
- Actual damages, such as emotional distress or lost wages
- Attorney’s fees and court costs, covered by the collector
In most cases, you won’t have to pay anything unless we win your case.
Resolving Mistakes With Paid or Disputed Accounts
One common issue in the debt collection industry involves trying to collect on accounts that are already paid, discharged in bankruptcy, or not owed by the person being contacted. Bayview Solutions has promoted a 60-day buyback guarantee for portfolios containing paid, deceased, or bankruptcy accounts, backed by their commitment to quality and support—but this doesn’t always prevent harassment or confusion.
If you’re being contacted about a debt you’ve already resolved, we can help you clear your name and pursue compensation if your rights were violated.
Understanding Your Rights as a Consumer
Federal law provides you with important protections during the debt collection process. Along with the FDCPA, your rights may also be covered under the Fair Credit Reporting Act (FCRA) and Telephone Consumer Protection Act (TCPA) if calls are being made using robocalls or auto-dialers.
Knowing your rights is the first step. Taking action is the second—and that’s where we come in. As members of the ACA, we are committed to industry standards and practices, advocating for ethical practices in the debt recovery sector.
Frequently Asked Questions About Bayview Solutions
Is Bayview Solutions a scam?No, Bayview Solutions, based in St. Petersburg, FL, is a registered debt collection agency. However, that doesn’t mean their conduct is always legal. If they harass or mislead you, they can be held accountable under the FDCPA.
Can they garnish my wages?Only after they file a lawsuit and obtain a court judgment—unless the debt is a federal student loan or other exempt category.
Can Bayview Solutions sue me?Yes, but only if the debt is valid, within the statute of limitations, and they follow proper legal procedures. Threatening a lawsuit without intent is illegal.
Can they call my job or family?Only to locate you. They cannot disclose your debt or use third parties to pressure you.
Can I be arrested for not paying?No. Failing to pay a debt is not a criminal offense. However, ignoring a court order can lead to legal trouble.
Real Client Feedback About The Wood Firm PLLC
“The team at The Wood Firm stopped the calls within days. I felt supported the whole way through, and I ended up receiving a settlement for the harassment.”
“After being threatened over a debt I didn’t owe, The Wood Firm took immediate action. They knew the laws inside and out and handled everything professionally.”
“I was getting nonstop calls, even on weekends. The Wood Firm helped me shut it down and recover damages. They were kind, responsive, and aggressive when they needed to be.”
Contact The Wood Firm PLLC Today
You don’t have to keep dealing with unwanted calls and threatening letters. Whether Bayview Solutions has crossed the line—or you’re not sure if what they’re doing is legal—contact us for legal assistance, and we’re here to help you find out.
📞 Call us now at [Insert Phone Number]📩 Or fill out our online form for a free case review
Let’s put an end to the harassment—and hold collectors accountable.
