Is Westlake Financial Services Harassing You?
A debt is something we all don’t like to have but we just can’t seem to avoid. Debt collectors like Westlake Financial Services are notorious for employing every trick they have up their sleeve to ensure that consumers whose accounts have gone into default pay up their debts speedily. Westlake Financial Services may be calling you to discuss your debt. If you are being called by Westlake Financial Services, it may be to discuss your debt or to provide information about your account, such as a payoff amount. You do not have to be afraid to respond to these calls, as even if you owe, Westlake Financial Services is not allowed to harass you.
If you have had your debt transferred or sold by your original creditor and are now currently receiving calls from a third-party debt collector tasked with the burden of recovering the debt, then you may be in a more uncomfortable situation than you are willing to talk about. Dealing with debt collectors can be challenging due to their persistent tactics and the stress it causes consumers.
The good news is that the federal Fair Debt Collection Practices Act (FDCPA) offers consumers like you protection against overly aggressive debt collectors and their unethical debt collection practices. This includes intrusive actions like Westlake Financial Services’ phone harassment.
If Westlake Financial Services has violated this federal law during their communications with you, the FDCPA offers you protection and an avenue to get justice for the violation of your consumer rights. There are many paths of action available to you and they range from reporting the collector to government agencies to using the violation to gain an upper hand during debt settlement negotiations, to contacting a qualified attorney and suing the debt collector. The path you choose to take is entirely up to you, however, an attorney can help you gain a clearer insight into your case regardless of the option you choose to take. [Call us today](tel: 877-700-5790).
What counts as debt collection harassment?
The FDCPA is a law that protects consumers from horrible treatments from debt collectors. The aim of the FDCPA is to ensure that the activities of debt collectors are regulated and that they do not exceed their limits in their debt collection process.
Many people have had bitter stories to tell about their experiences with debt collectors and thankfully, the FDCPA has helped them out of such situations.
However, if you’re experiencing Westlake Financial Services debt collection, you may be wondering what exact actions from debt collectors count as harassment. Do debt collectors have to come to your house or harm you physically first before you can hold them responsible for harassment? Or is Westlake Financial Services phone harassment the only type of harassment that is recognized?
It is important to know the exact actions that the FDCPA sees as harassment so that if you are harassed during Westlake Financial Services debt collection, you can easily put a stop to it.
- According to the FDCPA, debt collectors should not harass you with phone calls. If a debt collector is calling you many times a day, they are harassing you. No exact number of phone calls was specified to state when it has become harassment. But a multiple number of phone calls, especially when they come at odd hours of the day (outside of 8 am to 9 pm), is considered harassment. If you experience this during Westlake Financial Services debt collection, it is considered Westlake Financial Services phone harassment and your rights under the FDCPA have been violated.
- Debt collectors should not call you at your workplace if you tell them that it is not allowed.
- Debt collectors should not speak to you using profane, obscene, and curse words. That is harassment.
- Debt collectors should not threaten to send you to jail. By the limits placed on them by the law, they aren’t even allowed to do that.
- Debt collectors should not tell anyone about your debt. Not even your family members and friends.
- Debt collectors should not call you to discuss a debt you don’t owe, except they are calling to get the contact information of someone else who owes a debt to them.
- A debt collector should not call you after a cease and desist letter.
How a lawyer can help you with your case of debt collection harassment.
If you are constantly getting calls over your unpaid debts from Westlake Financial Services, and they’re being aggressive about it, then it is even more important to understand your rights and how an attorney can help you enforce them.
If debt collectors are constantly calling you and violating your FDCPA rights in their communications with you, then we strongly advise that you consult with a legal professional. A person facing inconsistent payoff amounts or high interest rates from a lender may feel overwhelmed and unsure of their options, making legal assistance crucial. An attorney can help you with many things including but not limited to reducing or eliminating loans with debt collection agencies, thereby closing the case for good; they can also represent you in your case if you are experiencing a Westlake financial lawsuit and drastically increase the chances of you scoring a victory. An attorney can also develop strategies to protect yourself from creditors and ensure that your rights are respected.
Employing the services of a debt collection attorney does not mean that you do not have to pay back the amount of money you borrowed from your original creditor; however, a qualified and experienced attorney can help negotiate the amount down. In some cases, you will be able to settle this outside of court.
If you are currently in a debt situation you cannot handle on your own, contact us now at 877-700-5790 and let us help you.
Who is Westlake Financial Services?
According to its website, Westlake Financial Services is a technology-based, privately-held finance company that specializes in the acquisition and servicing of prime to subprime automotive retail installment contracts. Westlake helps finance cars through its extensive network of over 50,000 new and used car dealers and dealerships throughout the United States, making cars accessible to a wide range of customers. The company works closely with both new and used car dealerships, emphasizing the importance of its dealership network in providing flexible financing options. Formed in August of 1988, Westlake is the financial services arm of the Hankey Group of Companies, a Los Angeles-based company with an ownership interest in a number of automotive-industry related companies.
During the auto loan application process, applicants may be required to provide personal information, such as their date of birth, to complete prequalification.
Learn more about Westlake Financial Services’ offerings and explore the valuable content available on their website to better understand their mission and services.
Westlake financial number
Westlake Financial Services 4751 Wilshire Blvd STE 100 Los Angeles, CA 90010-3847 Telephone: (888) 739-9192 & (847) 353-6150
Westlake Financial Services also serves customers in TX (Texas), including cities like Irving and Dallas.
Is Westlake Financial Services a Scam?
According to the Better Business Bureau website, Westlake Financial Services has been in business since 1988. There have been 439 complaints closed in the last 3 years and 168 complaints closed out in the last 12 months. Read more about it here: Westlake Financial Services Better Business Bureau
Westlake Financial Services Phone Numbers
from any of these numbers?
888-893-7937, 866-619-2524, 866-619-2521.
If so, you may be a victim of Westlake Financial Services phone harassment. Call us today at 877-700-5790.
Westlake Financial Services Complaints
The following is a sample list of complaints filed against Westlake Financial Services in 2018 & 2019 and can be found on Pacer.
2:19-cv-01234-PA-JEM Paul Hammond v. Westlake Services, LLC et al
0:19-cv-60237-JIC Malka v. TransUnion, LLC et al
6:19-cv-00094-ACC-LRH Willet v. Jefferson Capital Systems, LLC. et al
1:18-cv-24754-UU Willet et al v. TransUnion et al
2:18-cv-03045-SRB Wilson v. Trans Union LLC et al
A consumer filed a complaint against Westlake Financial Services after disputing the payoff amount provided to settle their auto loan. The consumer alleged that the final payoff statement was higher than the initial quote, raising concerns about transparency and possible predatory practices.
Another complaint involved a consumer who took out a short-term title loan to get immediate cash using their vehicle’s equity. The consumer reported experiencing high fees and unexpected risks associated with this type of loan.
Regulatory Agencies That Oversee Debt Collection
When it comes to auto loans and debt collection, regulatory oversight is essential to ensure that finance companies like Westlake Financial operate fairly and transparently. Several key agencies are responsible for monitoring and enforcing the rules that protect your credit history and financial security.
At the federal level, the Federal Trade Commission (FTC) enforces the Fair Debt Collection Practices Act (FDCPA), which sets clear guidelines for how companies can contact and deal with customers regarding payments and account issues. The (CFPB) also plays a major role, making sure that finance companies comply with federal laws designed to prevent fraud and abusive practices. On the state level, agencies such as the Texas Office of Consumer Credit Commissioner oversee debt collection practices within their jurisdictions, providing an additional layer of protection for consumers.
In today’s digital world, regulatory agencies also work closely with security solution providers like Cloudflare. These partnerships help protect finance company websites from online attacks, such as SQL command injections and malformed data, which could compromise your account or payment information. By using advanced security services, site owners can focus on helping customers manage their auto loan payments and explore financing options, knowing that their platforms are protected from potential threats.
Westlake Financial, as a leading finance company, is required to comply with all these regulations and guidelines. This includes safeguarding your credit history, ensuring secure payment processing, and protecting your personal data from fraud or unauthorized access. If a security incident does occur, Westlake Financial takes several actions to resolve the issue quickly—working with regulatory agencies, investigating the cause, and implementing new security measures to prevent future problems. This commitment to security and compliance helps Westlake Financial maintain its reputation as a trustworthy partner for your auto loan and financing needs.
By prioritizing regulatory compliance and working with top security service providers, Westlake Financial ensures that customers can confidently manage their accounts, make payments, and explore new financing opportunities. Whether you’re paying off your vehicle, checking your account status, or simply looking for information, you can trust that your financial and personal data are protected every step of the way. This dedication to customer protection and regulatory excellence is what sets Westlake Financial apart in the auto loan industry, giving you peace of mind as you deal with your financial goals.
CONSUMER RIGHTS LAW FIRM, PLLC
is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Westlake Financial Services. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
Call us at (877)700-5790 for immediate assistance.
