Is Westlake Financial Services Harassing You?

Westlake Financial Services

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. 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.

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.

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. 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. Headquartered in Southern California, Westlake finances contracts through a network of over 50,000 new and used car dealerships throughout the United States. 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.

Westlake financial number

Westlake Financial Services
4751 Wilshire Blvd STE 100
Los Angeles, CA 90010-3847
Telephone: (888) 739-9192 & (847) 353-6150

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             

Are you receiving any harassing phone calls 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

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. 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.

Check out the links below for more information:

https://www.consumer.ftc.gov/articles/debt-collection-faqs

California Attorney General 

Consumer Financial Protection Bureau

https://consumerlawfirmcenter.com/fortiva-financial-group-phone-harassment/

https://consumerlawfirmcenter.com/machol-johannes-debt-collection-harassment/

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Know Your RIGHTS: Insider Insights Into Consumer Rights w/ Attorney Derek DePetrillo episode of Credit Conversion Conversations

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