Constar Financial Services, LLC Phone Harassment?
Debt collection agencies like Constar Financial Services, LLC often go above and beyond what is acceptable when trying to get you to pay your debt. From calling you all day, sending endless messages, to even threatening and bullying you into paying up. A Debt collection agency is a company that specializes in recovering debts. They are often hired by creditors to recover an overdue debt, which the creditors have failed to recover even after several attempts. Creditors or lenders sometimes outsource the debt recovery to a third-party debt collector or do it internally if a department that handles such exists within the organization.
To recover funds, Debt collection agencies often work with the credit bureaus and creditors. This might explain why you might have been receiving calls from Constar Financial Services, LLC. Have they threatened you in any way or made you feel like you are breaking the law? Have they told you that they can get you arrested if you don’t pay your debt? It is often a difficult time to be in debt, it can be depressing and frustrating especially when you have a debt collection agency and their seemingly endless calls to contend with.
Consumers have filed claims against CFS for their aggressive tactics and potential misconduct.
The good news is, debt collection agencies are monitored by set down laws put in place by the Government to check that consumers such as you are not mistreated, harassed, or abused in any way while debt collectors are trying to recover a debt. It is not a law that covers debt, but one that ensures your rights are not being violated by debt collectors while they are trying to get you to pay up. These laws are called the Fair Debt Collection Practices Act (FDCPA). Under the FDCPA laws, a debt collection agency is not allowed to call you at odd hours, threaten or your family members, use profane words with you, call you at your workplace, try to get you to pay more than you owe, threaten to have you arrested, and so on. For more information on this, reach out to a professional lawyer at 📞 877-700-5790.
Introduction to the Issue
Constar Financial Services is a debt collection company that may be listed on your credit reports, potentially affecting your ability to obtain credit cards or loans. As a consumer, it’s essential to understand the issue and how to deal with CFS to reclaim your financial situation. 📍Located in Phoenix, AZ, CFS, also known as Empereon Constar, collects debts on behalf of other businesses, making them a third-party collections agency. If you’re receiving letters or calls from CFS, it may be related to a collections account, and you should verify the debt to ensure accuracy. When disputing claims with CFS, it is crucial to request comprehensive details regarding the debt to ensure transparency and accuracy.
Understanding Financial Services
Financial services, such as those provided by CFS, play a crucial role in the industry. Accessing detailed credit reports and business profiles allows consumers to view essential information for managing their financial decisions. As a company, CFS offers financial services, including debt collection, to its clients. It’s essential to understand the financial services industry and how companies like CFS operate. By learning more about financial services, you can better navigate the process and protect your consumer rights.
Who is Constar Financial Services, LLC?
Constar Financial Services, LLC is a third-party debt collector located in Phoenix, Arizona. In July 2024, CFS was involved in a ransomware attack that exposed sensitive personal information, including names, leading to significant legal scrutiny. The company employs over 200 employees, indicating its scale and operational capacity. CFS has been a party to a Federal Court case over 40 times.
Contact Information
- 📌 Address: 3561 W. Bell Road Phoenix, AZ 85053
- ☎️ Phone: (888) 522-2443
Scared of Wage Garnishment? Here’s what you should know.
Wage garnishment is the legal deduction of money from your account, which goes to another individual (usually a creditor or collection agency). It is a process that instructs a third party to remove payment directly from a consumer’s or debtor’s wage or bank account. Oftentimes, a third party involved is the debtor’s employee, also known as a garnishee.
It is against the law to fire a worker simply to avoid processing a garnishment payment. Wage garnishment is usually used to recover unpaid child support, student loans, unpaid taxes, and monetary fines. A court order must be obtained and proof that the consumer actually owes what they are being levied for, However, the internal revenue service (IRS) does not need to obtain a court order to garnish a consumer’s wages. Assuming Mr. A has defaulted on tax payments, the IRS can contact his employer to garnish his wages without getting a court order.
Debt collectors are required by law to follow specific procedures when garnishing wages.
Debt garnishment is usually a last resort and shows that the individual likely has a bad credit record, and having a bad credit record can affect your ability to access loans in the future. The Consumer Credit Act checks how much of an individual’s income can be garnished. It is important to note that these checks do not include: unpaid tax debt, bankruptcy orders, student loans, child support, or voluntary wage allocations. 15% of an individual’s wage can be garnished by Federal Agencies, and 10% by the Department of Education.
NOTE: You may be considered favorably if you file for bankruptcy.
Constar Financial Background
Constar Financial Services, LLC is a reputable debt collection company located in Phoenix, Arizona. Their office is situated at 📌10400 N 25TH Ave Ste 100, Phoenix, AZ 85021-1610, United States. Operating within the Business Support Services industry, CFS is a Limited Liability Company (LLC) and is also known as Empereon Constar. The company provides a range of financial services to its clients, specializing in third-party debt collection. CFS collects debts on behalf of businesses across various industries, including automotive, financial services, retail and e-commerce, communications, and travel and hospitality. While the company’s sales figures are not publicly disclosed, it is important to recognize that CFS operates in compliance with federal law, ensuring that its debt collection practices are legitimate and regulated.
Debt Collection and Harassment
Debt collection can be a stressful experience, especially when it involves persistent contact from companies like CFS, LLC. As a third-party debt collector, CFS may reach out to consumers through phone calls, letters, or other forms of communication to request payment on outstanding debts. It is crucial for consumers to verify the legitimacy of the debt before making any payments. If you believe the debt is inaccurate or unfair, you have the right to dispute it.
Submitting a dispute to CFS requires the company to respond with detailed information about the debt, including the amount owed and the name of the original creditor. If the debt is found to be incorrect, it should be removed from your credit report. Constar Financial Services, LLC must adhere to the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), ensuring that their debt collection and communication practices are fair and transparent.
Consumer Rights and Protections
As a consumer, you have rights and protections under federal law, including the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). In some cases, consumers have taken legal action against CFS for alleged violations of their rights, including class action lawsuits related to data breaches. These laws regulate debt collectors and credit bureaus, ensuring that they provide accurate information and respect your rights. You can dispute any errors on your credit report and verify the debt with CFS to ensure accuracy. It’s essential to understand your consumer rights and protections to avoid harassment and ensure a fair process.
Is Constar Financial Services, LLC a Scam❓
According to the Better Business Bureau website, Constar Financial Services, LLC has been in business for 21 years. There have been 19 complaints filed against CFS with the BBB by consumers and debtors.
🔗 Read more here: CFS, LLC Better Business Bureau
Constar Financial Services, LLC Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- ☎️ 888-522-2443
- ☎️ 602-889-3655
- ☎️ 877-968-2735
- ☎️ 602-889-9610
- ☎️ 877-341-3175
- ☎️ 201-430-2020
If the answer is yes, then you are receiving calls from a known CFS number. Detailed information about key contacts within Constar Financial Services, LLC can help users identify and reach the right individuals. If you are receiving any form of harassment during these calls, do not hesitate to reach out to a qualified professional at 📲 877-700-5790 for help.
The following is a sample list of complaints filed against CFS in the past and can be found on Pacer.org.
- 👉 2:11-cv-04004-SLB Holmes v. Constar Financial Services
- 👉 1:17-cv-02270-LDH-ST Williams v. Constar Financial Services
- 👉 2:16-cv-01525-WED Hernandez v. Constar Financial Services
- 👉 1:19-cv-00922-WCG Whitney v. Constar Financial Services
- 👉 3:19-cv-01019-WQH-BGS Valenzuela v. Constar Financial Services
Reporting and Disputing
When dealing with CFS, it’s essential to understand the process of reporting and disputing. Report data breaches promptly and dispute any credit report errors caused by stolen personal information. You can contact CFS to verify the debt and dispute any errors on your credit report. If you’re not satisfied with their response, you can file a complaint with the relevant authorities. You have the right to fair treatment—report and dispute inaccuracies to protect your consumer rights effectively.
Prevention and Resolution
To prevent issues with CFS, it’s essential to understand the debt collection process and your consumer rights. Taking proactive steps to address and resolve issues with them can help you move forward and improve your financial situation. You can take steps to prevent errors on your credit report and verify the debt with this service. If you’re already dealing with CFS, you can work towards a resolution by disputing the debt, filing a complaint, or seeking the help of an FCRA attorney. By being proactive and informed, you can protect your consumer rights and resolve any issues with Constar Financial Services. Today, you can take the first step towards a resolution and learn more about your options.
Consequences of Harassment
Harassment by debt collectors like CFS can have serious consequences for consumers. This can include damage to your credit score, financial stress, and emotional distress. If CFS engages in harassment or other unfair practices, you may be entitled to compensation. It is essential to understand your rights under federal law, including the right to dispute debts and the right to be free from harassment. Constar Financial Services, LLC must report your debt accurately and follow fair practices during collection. If you believe they harassed you, consult an attorney or credit agency to understand your rights and take action. In Arizona, where this is located, you can also file a complaint with the state’s Attorney General’s office to seek further assistance and resolution.
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you’re being contacted about debt that seems inaccurate, reach out to a Fair Credit Reporting Act attorney for help. If you believe a collector is violating your rights, call our office today. We’ll guide you through the process and help stop any harassment you may be experiencing from Constar Financial Services (CFS). Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
FCRA attorneys offer expert help and guidance when handling disputes involving Constar Financial Services.
Call us at (877)700-5790 for immediate assistance.
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