Constar Financial Services, LLC Phone Harassment?
Debt collection agencies like Constar Financial Services, LLC are hired by creditors to recover overdue debts, either as third-party collectors or through in-house teams. Some consumers report aggressive tactics such as frequent calls, repeated messages, or threatening language, which can be stressful and overwhelming.
These agencies often work with creditors and credit bureaus, which is why you may be receiving calls. If a collector threatens arrest or makes you feel like you’re breaking the law, those actions may be illegal and worth documenting.
Who is Constar Financial Services, LLC?
| Category | Details |
|---|---|
| Company Name | Constar Financial Services, LLC (also known as Empereon-Constar) (BBB) |
| Business Type | Third-party debt collection agency (America’s Consumer Lawyer) |
| Headquarters | 10400 N. 25th Ave, Ste. 100, Phoenix, AZ 85021 (thecreditpeople.com) |
| Operating Status | Active debt collector (BBB) |
| Common Harassment Complaints | Repeated phone calls, unclear debt info, aggressive contact (BBB) |
| BBB Complaints (last 3 years) | ~21 complaints (BBB) |
| Position with BBB | Not accredited (BBB) |
| Typical Phone Numbers Used | (602) 889-3655, (877) 968-2735, (602) 889-9610, (877) 341-3175, 888-522-2443 (BBB) |
| Industry Issues Seen Online | Harassment calls, calls to wrong numbers or third parties (BBB) |
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.
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
Scared of Wage Garnishment? Here’s what you should know.
Wage garnishment is a legal process where money is taken directly from a person’s wages or bank account to pay a debt, usually after a court order. Employers cannot fire workers to avoid processing a garnishment. It is commonly used for unpaid taxes, child support, student loans, and fines, and in some cases—such as internal revenue service (IRS) —a court order is not required. Garnishment is typically a last resort, can impact your credit, and federal agencies may garnish up to 15% of wages, while the Department of Education may garnish up to 10%.
NOTE: You may be considered favorably if you file for bankruptcy.
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.
Complaints Filed Against CFS
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 CFS in 2026
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.
About Us
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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FAQs
What is Constar Financial Services, LLC?
Constar Financial Services is a third-party debt collection agency based in Phoenix, Arizona, also known as Empereon Constar.
Is Constar Financial Services, LLC a scam?
No, CFS is a legitimate debt collector. However, it has received consumer complaints and has been involved in lawsuits.
Why is Constar Financial Services, LLC calling me?
CFS may be attempting to collect a debt on behalf of a creditor. Always verify the debt’s legitimacy first.
Can Constar Financial Services harass me with calls?
No, under FDCPA, CFS cannot harass you with excessive calls, threats, or contact you at odd hours or workplaces.
What laws protect me from debt collector harassment?
The FDCPA and FCRA protect consumers from harassment and require debt collectors to use fair, accurate, and legal practices.
Can CFS garnish my wages without notice?
No, they must obtain a court order to garnish wages—except for debts like taxes, student loans, or child support.
What should I do if I don’t recognize the debt?
Request debt validation from CFS. If inaccurate, dispute it and ensure it is removed from your credit report.
Has Constar Financial Services had any legal issues?
Yes, CFS has been involved in several federal lawsuits and a 2024 data breach exposing personal consumer information.
How do I stop Constar Financial Services from calling me?
You can send a written request to stop contact. If harassment continues, consult a lawyer or file a legal complaint.
Where can I report Constar Financial Services for misconduct?
Report to the CFPB, FTC, or your state Attorney General. You may also contact a consumer rights law firm.
