Stop Phone Harassment from Bayview Solutions LLC Today

How to Stop Illegal Collection Tactics

Bayview Solutions harassment occurs when this debt collector uses aggressive tactics that may violate the Fair Debt Collection Practices Act (FDCPA). If you believe Bayview Solutions LLC is calling you repeatedly, threatening legal action, or contacting your family inappropriately, federal law provides protection and potential compensation up to $1,000 plus attorney fees.

Who Is Bayview Solutions LLC?

Bayview Solutions LLC is a third-party debt buyer and collection agency based in Saint Petersburg, Florida. Founded in January 2008, the company purchases portfolios of charged-off accounts and attempts collection through direct contact and partner agencies.

Bayview Solutions Business Profile

Company Information:

• Address: 111 2nd Ave., NE, Suite 900, Saint Petersburg, FL 33701-3434
• 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

Bayview Solutions operates under multiple business names, including Bayview Risk Management Capital (BRMC) and Bayview Collections. The company may use various phone numbers and collection tactics. If you believe you’re experiencing Bayview Solutions debt collection harassment from any of these entities, understanding your rights is crucial.

For information on how debt collectors acquire accounts, see how much a collection agency pays for debt.

Common Bayview Solutions Collection Tactics That May Violate Federal Law

Bayview Solutions collection tactics have generated numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and federal courts. If you believe you’re experiencing similar issues, you may have legal options.

Repeated and Excessive Phone Calls

Bayview Solutions phone harassment may include multiple calls per day, sometimes 10+ times daily. Courts have found that 7-10 calls per day could constitute harassment under the FDCPA. Calls before 8:00 AM or after 9:00 PM in your time zone violate federal law unless you’ve given permission. Continued calling after you’ve requested they stop may also violate your rights.

Threats of Legal Action

If you believe Bayview Solutions is threatening immediate lawsuits without a legal basis, making false claims about wage garnishment, or misrepresenting their legal authority, these tactics may potentially violate the FDCPA. Collectors cannot threaten actions they don’t intend to take or lack the authority to pursue.

Third-Party Contact Violations

Third-party contact violations occur when collectors inappropriately contact family members, neighbors, and coworkers. The FDCPA prohibits discussing debt details with unauthorized parties or contacting employers without permission except in specific circumstances. If you believe Bayview Solutions is engaging in these practices, this may constitute harassment.

Debt Misrepresentation

Debt misrepresentation includes attempting to collect already-paid debts, demanding payment for unverified accounts, or collecting more than legally owed. If Bayview Solutions fails to provide debt validation when requested, they may be violating your rights under federal law.

Abusive Communication

Abusive communication involves using profane or threatening language, making false criminal accusations, or employing intimidation tactics. The FDCPA strictly prohibits these behaviors. If you believe Bayview Solutions is using such language, this may constitute Bayview Solutions debt collection harassment.

For additional information on handling aggressive collectors, read about Hartman & Associates harassment and your rights.

Real CFPB Complaint Against Bayview Solutions

A Consumer Financial Protection Bureau complaint filed in May 2017 illustrates potential problems with Bayview Solutions’ collection practices. A consumer reported paying $2,100 to settle a delinquent account years earlier. Bayview Solutions later contacted him claiming he still owed the same $2,100 debt.

The consumer requested detailed records to clarify the situation. According to the complaint, 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.

The consumer reported paying out of fear but never received the promised account records or resolution. This case demonstrates why proper debt validation is crucial when dealing with any debt collector.

Bayview Solutions Phone Numbers

Bayview Solutions phone numbers include several different lines used for collection attempts. If you’re receiving calls from these numbers, they likely originate from Bayview Solutions:

• (866) 546-9088 (Primary number)
• (727) 235-6016
• (800) 714-0474
• (727) 235-6015

Bayview Solutions may use additional numbers not listed here. If you’re unsure about a caller’s identity, request written verification before providing any personal information or making payments.

Federal Court Cases Against Bayview Solutions

Federal court cases demonstrate that Bayview Solutions has faced multiple FDCPA violation lawsuits. These cases include:

• 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

The Fair Debt Collection Practices Act provides comprehensive consumer protections against debt collection harassment. Understanding these rights helps you recognize when Bayview Solutions may be violating federal law.

Prohibited Collection Actions

The FDCPA prohibits specific collector behaviors. Debt collectors may not:

• Call before 8:00 AM or after 9:00 PM in your time zone
• Use profane, obscene, or abusive language
• Threaten violence or actions they don’t intend to take
• Call repeatedly to harass or annoy you
• Discuss your debt with family, friends, or coworkers
• Misrepresent the debt amount or their legal authority
• Continue collection after receiving written dispute
• Threaten arrest for unpaid debts
• Make robocalls without your consent

Additional Federal Protections

Beyond the FDCPA, other federal laws protect consumers from abusive collection practices. The Fair Credit Reporting Act (FCRA) regulates how debts appear on credit reports and requires collectors to verify disputed information. The Telephone Consumer Protection Act (TCPA) restricts robocalls and auto-dialing without consumer consent.

How The Wood Law Firm Stops Bayview Solutions Harassment

The Wood Law Firm stops Bayview Solutions’ harassment by taking immediate legal action on behalf of consumers experiencing potentially illegal collection tactics. 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 for Handling Bayview Solutions Cases

Step 1: Free Case Evaluation

We analyze your situation at no cost to determine if Bayview Solutions may have violated federal law. This includes reviewing your call logs, correspondence, and any documentation you’ve received.

Step 2: Immediate Action

Once we take your case, we send cease-and-desist communications to Bayview Solutions. This typically stops collection calls within 24-48 hours while we investigate potential violations.

Step 3: Evidence Gathering

We gather legal documentation and evidence of potential FDCPA violations, including call records, witness statements, and any written communications. This evidence strengthens your case for potential damages.

Step 4: Federal Lawsuit Filing

When appropriate, we file federal lawsuits against Bayview Solutions for FDCPA violations. These lawsuits seek statutory damages, actual damages, and attorney’s fees paid by the collector.

Step 5: Damage Recovery

We pursue all available damages on your behalf, including up to $1,000 in statutory damages per violation, actual damages for emotional distress or financial harm, and attorney’s fees paid by the collector.

What We Provide

• No Fees Unless We Win: You pay nothing unless we successfully recover damages
• Nationwide Representation: We handle cases across the United States
• Immediate Harassment Relief: Collection calls typically stop within 24-48 hours
• Personalized Legal Strategy: Each case receives individualized attention
• A+ BBB Rating: Our proven track record speaks for itself

Compensation for FDCPA Violations

FDCPA violations can result in significant compensation for consumers. If you believe Bayview Solutions has violated federal law in their collection efforts, you may be entitled to damages.

Available Damages Under the FDCPA

Statutory Damages: Up to $1,000 per lawsuit for FDCPA violations, regardless of whether you can prove actual harm. These damages punish illegal collection practices and deter future violations.

Actual Damages: Compensation for documented harm including emotional distress from harassment, lost wages from collection calls at work, medical expenses for stress-related conditions, and damage to your credit score from false reporting.

Attorney’s Fees and Court Costs: The debt collector pays all attorney fees and court costs if you win. You typically pay nothing unless we recover damages on your behalf.

Real Client Success Stories

Case 1: Excessive Calling Stopped

Sarah from Ohio received 10+ calls daily from Bayview Solutions about a credit card debt she didn’t recognize. After telling them to stop, they continued calling at her workplace. Sarah believed this constituted harassment and contacted The Wood Law Firm. We sent a cease-and-desist letter and filed an FDCPA lawsuit. The calls stopped within 48 hours, and Sarah received a $3,500 settlement.

Case 2: Credit Reporting Issue Resolved

Michael in California discovered Bayview Solutions reported an old medical debt to credit bureaus without proper verification. He contacted The Wood Law Firm, and we demanded proof under the Fair Credit Reporting Act (FCRA). When Bayview couldn’t provide adequate validation, they deleted the debt and paid Michael $2,100 for the improper reporting. His credit score increased 98 points within 60 days.

Case 3: Robocall Settlement

Jennifer in Florida received pre-recorded robocalls from Bayview Solutions without her consent. She believed this violated the TCPA and called The Wood Law Firm. We filed a TCPA lawsuit and secured a $5,000 settlement. The calls stopped immediately, and Jennifer received compensation for the harassment she endured.

Resolving Paid or Disputed Account Issues

Paid or disputed account issues frequently generate complaints against Bayview Solutions. Consumers report collection attempts on 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 policy doesn’t prevent harassment or confusion from occurring initially.

How We Address Disputed Debts

If you believe you’re being contacted about a resolved debt, The Wood Law Firm can demand proper debt validation under the FDCPA, clear your name from collection efforts, pursue FDCPA violation claims if appropriate, and remove incorrect credit reporting through FCRA enforcement.

Why Choose The Wood Law Firm

At The Wood Law Firm, our mission is simple: to protect consumers from predatory practices and ensure they receive the fair treatment they deserve. We specialize in cases involving the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Telephone Consumer Protection Act (TCPA). For over a decade, we have fought tirelessly to hold companies accountable and to secure justice for our clients.

Choosing The Wood Law Firm means partnering with a team that is deeply committed to your cause. We understand the stress and frustration that comes with facing unfair consumer practices, and we are here to stand by your side every step of the way. Our personalized approach, combined with our extensive experience and national reach, makes us uniquely equipped to handle your consumer protection needs.

Additionally, The Wood Law Firm has cultivated strong Of Counsel relationships with attorneys licensed in Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and West Virginia.

About Attorney Jeff Wood

Jeff Wood is an accomplished attorney based in Arkansas, where he is fully licensed to practice law. With over 15 years of experience, Mr. Wood specializes in consumer protection, focusing on cases involving the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Telephone Consumer Protection Act (TCPA). His extensive knowledge in these areas has made him a trusted advocate for consumers facing unfair practices.

Though Mr. Wood is only licensed in the state of Arkansas, his legal expertise extends to multiple federal courts. He is admitted to practice in all federal courts in Arkansas, Colorado, New Mexico, and Texas, as well as the Southern District of Indiana, Eastern District of Michigan, Eastern District of Missouri, Western District of Tennessee, and Western District of Wisconsin.

Our Track Record

• A+ Better Business Bureau Rating: Consistently excellent client satisfaction
• 15+ Years Consumer Law Experience: Deep expertise in FDCPA, FCRA, and TCPA cases
• Thousands of Successful Cases: Proven results against debt collectors
• No Fees Unless We Win: No financial risk to you
• Nationwide Representation: We handle cases across the United States
• Immediate Action: Quick response to harassment situations

Frequently Asked Questions About Bayview Solutions

How do I stop Bayview Solutions LLC from calling me?

Stopping Bayview Solutions calls requires sending a written cease-and-desist letter via certified mail, requesting that they stop contacting you. Keep a copy for your records. If calls continue after they receive your letter, this may violate the FDCPA, and you should contact a consumer protection attorney immediately.

Can Bayview Solutions LLC call me at work?

Bayview Solutions cannot legally contact you at work after you inform them that your employer prohibits such calls or you request they stop. Continued workplace contact after a cease request violates FDCPA Section 805(a)(3). Document these violations as they may support your harassment claim.

What should I do if Bayview Solutions LLC contacts me about a debt I don’t owe?

If you don’t believe the debt belongs to you, send a written dispute letter within 30 days of their first contact. This forces Bayview Solutions to verify the debt and provide documentation. Collection activity must pause during verification. Consult with an attorney if they fail to provide adequate validation.

Is Bayview Solutions LLC a legitimate company or a scam?

Bayview Solutions LLC is a legitimate debt collection agency registered in Florida. However, aggressive collection methods sometimes lead consumers to question their legitimacy. Always request written proof of any debt before making payments, and verify the caller’s identity independently rather than relying on information they provide.

Can Bayview Solutions LLC sue me?

Bayview Solutions can file a lawsuit if they believe you owe a valid debt within the statute of limitations. If you receive court papers, respond promptly or the court may enter a default judgment against you. Contact an attorney immediately if you’re served with a lawsuit to understand your defense options.

How can I verify if the debt Bayview Solutions LLC claims is valid?

Verifying debt validity requires requesting a debt validation letter within 30 days of Bayview Solutions’ first contact. The validation must include the debt amount, original creditor’s name, and proof that Bayview has authority to collect. If they cannot provide adequate validation, they must stop collection attempts.

What are my rights when dealing with Bayview Solutions LLC?

Your rights under the Fair Debt Collection Practices Act include protection from harassment, threats, and false claims. Collectors must treat you fairly, provide accurate information, stop contacting you upon written request, verify disputed debts before continuing collection, and refrain from calling before 8 AM or after 9 PM.

Can Bayview Solutions LLC report the debt to credit bureaus?

Bayview Solutions can report debts to credit bureaus, which may affect your credit score. However, they must ensure the information is accurate and complete. If the debt is incorrect or unverified, dispute it in writing with both Bayview Solutions and the credit bureaus. They must investigate and correct any inaccuracies.

What happens if I ignore Bayview Solutions calls?

Ignoring Bayview Solutions calls can lead to lawsuits, wage garnishment, property liens, damaged credit scores, and increased debt from accumulating interest and fees. Addressing the situation directly, even by sending a cease-and-desist letter, typically produces better outcomes than avoiding contact entirely.

How long does Bayview Solutions have to collect a debt?

The statute of limitations for debt collection varies by state and debt type, typically ranging from three to ten years. Once expired, Bayview Solutions cannot successfully sue you, though they may still attempt collection. Making a payment or acknowledging the debt can reset the statute of limitations in some states.

Take Action Against Bayview Solutions’ Harassment

You don’t have to tolerate debt collection harassment. If you believe Bayview Solutions has violated your rights through repeated calls 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 Law Firm is here to help.

Don’t let Bayview Solutions potentially violate your rights. Contact us today, and let’s hold them accountable while protecting your future.