End HSI Financial Services Phone Harassment!
Are HSI Financial Services calls disturbing your peace? Are they threatening legal action, wage garnishment, or contacting your family about a debt? Receiving multiple calls a day, late at night, or early in the morning may be illegal harassment. You still have rights under federal and state laws 2026, and agencies like HSI cannot harass you. If they violate the Fair Debt Collection Practices Act (FDCPA), you may be entitled to up to $1,000 in statutory damages, plus attorney fees.
What Is HSI Financial Services?
HSI Financial Services LLC is a third-party debt collection agency based in Atlanta, Georgia. Founded in 1983, HSI is a subsidiary of Phoenix Health Care Management Services, Inc. and specializes in medical debt collections.
Address: 1000 Circle 75 Parkway, Suite 600, Atlanta, GA 30339
Phone: (770) 850-7460 | Toll-Free: 800-282-310
HSI operates nationwide, reporting accounts to Equifax, providing skip tracing, monthly and quarterly reports, and offers a no collection, no fee program for their clients.
Is HSI Financial Services a Scam?
According to the Better Business Bureau website, HSI Financial Services has been in business for 35 years. There have been 3 complaints filed against HSI with the BBB. While HSI Financial Services is a legitimate business, consumers should remain vigilant against fraud and scams, as anyone, regardless of their education, can be targeted. Read more here: HSI Financial Services Better Business Bureau
HSI Financial Services Collection Practices
HSI may use several tactics to collect debts. While some practices are legal, others may violate your rights:
| Collection Tactic | Legal Issue / Violation |
|---|---|
| Repeated calls at all hours | Harassment under FDCPA |
| Using abusive or profane language | Harassment and intimidation |
| Threatening lawsuits, wage garnishment, or harm | Illegal threats |
| Contacting your workplace or third-parties | Third-party disclosure violation |
| Robocalls or pre-recorded messages | Violation of TCPA ($500 per call) |
| Unauthorized electronic withdrawals | Violation of EFTA |
| Reporting incorrect information to credit bureaus | Violation of FCRA |
| Calling after you requested them to stop | FDCPA violation |
Even if the call comes from a number not listed here, it may still be HSI. Keep a record of all calls, messages, and letters.
Known HSI Financial Services Phone Numbers
- 770-850-7460 | 888-474-7899 | 800-282-3108
- 770-850-7450 | 770-850-7424 | 772-850-7425
- 404-308-5344 | 770-240-3763 | 770-240-3787
Credit Reporting & Financial Impact
Collections reported by HSI can lower your credit score and stay on your report for up to 7 years.
Negative entries may impact loans, credit cards, rentals, or jobs.
You have the right to dispute inaccurateor outdated information under the FCRA.
Some consumers are offered pay-for-delete arrangements. HSI must accurately report any resolved or disputed debts to both the original creditor and credit bureaus.
Wage Garnishment & Legal Threats
HSI cannot garnish wages without a court judgment. Under federal law (Consumer Credit Protection Act), there are limits on garnishment. If you receive threats:
Keep detailed records
Know your legal rights
Consult a consumer rights attorney
Using the Law to Protect Yourself
Federal and state laws protect consumers from abusive collection tactics:
| Law | How It Protects You |
|---|---|
| FDCPA | Stops abusive, harassing, or deceptive collection practices; up to $1,000 statutory damages + attorney fees |
| TCPA | Protects against robocalls; $500 per illegal call |
| EFTA | Stops unauthorized bank deductions |
| FCRA | Ensures accurate credit reporting; allows disputes and corrections |
| State Laws | Some states (NC, CA, FL, TX, WI) allow additional damages for harassment |
If HSI violates any of these laws, you may be entitled to money damages, and the collector will pay your attorney fees.
HSI Financial Services Lawsuits & Complaints
HSI has been involved in nearly 40 federal lawsuits for violations of consumer rights, including FDCPA claims. Examples include:
| Case | Court / Year | Key Facts | Outcome |
|---|---|---|---|
| Henderson v. HSI Financial Services | Supreme Court of Georgia, 1996 | Minority shareholders questioned for unremitted funds by majority shareholder | Minority shareholders not liable; professional corporation shields from personal liability |
| Page v. HSI Financial Services | Court of Appeals of Georgia, 1995 | Page & PSH failed to remit ~$373k to HSI; promissory note & money rule claims | Page liable for funds + 20% interest; PSH liable; Sevy & Henderson jointly liable under Zagoria |
Common complaints include harassing calls, threats, robocalls, and reporting errors on credit reports.
How to Stop HSI Financial Services Harassment
Send a cease-and-desist letter to HSI.
Keep a record of every call, message, and letter.
Avoid sharing personal info over the phone.
Consult a debt collection attorney to explore your legal options.
By taking these steps, you can stop harassment, protect your credit, and possibly receive compensation for violations.
Conclusion
HSI Financial Services is a legitimate third-party debt collector, but harassment and illegal collection tactics are unacceptable. You have the right to:
Stop harassing phone calls
Protect your credit report
Receive money damages for violations
Taking immediate action is crucial to protect your financial and legal rights.
Consumer Rights Law Firm PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Our coordinated effort is focused on protecting clients’ rights and ensuring they receive the support they need. Rather than suffer alone, contact our office to begin the process to stop the HSI Financial Services harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from HSI Financial Services, or if you need help recovering funds lost due to illegal collection practices, call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 “I never thought I’d be someone who needed legal help, but after months of constant calls from a collection agency, even after I told them to stop, I was exhausted and anxious. I came across Consumer Rights Law Firm PLLC online and decided to reach out. Best decision I made. They treated me with respect, listened to my story, and got to work right away. The calls stopped within a few days, and they helped me file a claim that resulted in compensation. I’m incredibly thankful for their help and highly recommend them to anyone going through the same stress.”
- 🏆 “My experience with Consumer Rights Law Firm PLLC was excellent from start to finish. A debt collector was calling me at all hours, even on Sundays, and using threatening language. I didn’t know I had legal options until I found this firm. They were professional, responsive, and completely on my side. They made the process simple and clear, and I felt protected every step of the way. Within weeks, the harassment ended, and I received a settlement. I would definitely recommend this firm to anyone being mistreated by collectors.”
- 🏆 “I was being harassed by robocalls every day, sometimes five or six times, even during work meetings. It was incredibly stressful. I reached out to Consumer Rights Law Firm PLLC not knowing what to expect, but they made everything easy. Their team was friendly, professional, and very knowledgeable about consumer protection laws. They helped me collect the evidence I needed, filed a complaint quickly, and kept me updated the whole time. I didn’t pay anything out of pocket and ended up with a settlement. Truly a stress-free and empowering experience.”
FAQs
Is HSI a scam?
No, HSI Financial Services has been in business for 35 years.
Can HSI Financial Services garnish my wages?
Yes, HSI can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. If a judgment is obtained, you may be required to pay the debt as ordered by the court.
Can HSI sue me?
Yes, HSI can sue you so long as the debt is within the statute of limitations. If a lawsuit results in a settlement or court order, you may be required to make payments as specified.
Can HSI report my debt to the collection bureaus?
Yes, Debt collectors are allowed to place the collection account on your credit report.
Can HSI arrest me?
Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
