LCS Financial Services Corporation Phone Harassment?
Is LCS Financial Services Corporation (LCS) calling you? Stop LCS Financial Services Corporation phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. You have the legal right to stop LCS phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees. The FDCPA regulates the behavior of collection agencies and requires their compliance with federal law. Debt collection practices must be conducted in accordance with both federal and state regulations.
Is LCS Financial Services Corporation a Scam?
According to the Better Business Bureau website, LCS Financial Services Corporation has been in business for 13 years. There have been 11 complaints filed against LCS with the BBB. Read more here: LCS Financial Services Corporation Better Business Bureau.
Who is LCS Financial Services Corporation?
LCS Financial Services Corporation is a third party debt collector located in Centennial, Colorado, and is one of many collection agencies that provide debt recovery service for creditors. LCS is responsible for collecting debts on behalf of creditors. Consumers are often contacted by LCS regarding past due debts, and the company has been a party to a Federal Court case over 35 times. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
🏛️ Address: 6782 S Potomac St STE 100 Centennial, CO 80112-3915
📞 Phone: (888) 864-0363
Common Questions
Can LCS garnish my wages?
Yes, LCS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. Wage garnishment may occur after a default judgement if you do not respond to a lawsuit.
Can LCS sue me?
Yes, LCS Financial Services sue consumers for unpaid debts in some cases, and if you do not respond to a lawsuit, a default judgement may be entered against you. LCS can sue you so long as the debt is within the statute of limitations, and there is a risk of legal action if you ignore the debt.
Can LCS report my debt to the collection bureaus?
Yes, Debt collectors are allowed to place the collection account on your credit report. There is a risk of negative credit reporting if the debt remains unpaid.
Can LCS arrest me?
No, you cannot be arrested for owing a debt. Inability to pay due to lack of income or low income does not result in arrest, but may still result in collection actions such as lawsuits or wage garnishment.
What types of debts does LCS collect?
LCS Financial Services specializes in recovering various types of loans, including mortgage, auto, and student loans. They manage delinquent or charged-off loans and have expertise in mortgage debt recovery, using strategies to mitigate risk and comply with regulations.
LCS Financial Services Corporation Collection Tactics
If LCS Financial Services Corporation engages in any of the following tactics, you may have a case:
- ▶️ Using profanity or abusive language
- ▶️ Calling you before 8:00 a.m. or after 9:00 p.m.
- ▶️ Calling you multiple times per week
- ▶️ Being called by LCS Financial Services regarding a debt
- ▶️ Receiving a collection letter from LCS
- ▶️ Being contacted in writing by LCS
- ▶️ Talking to others about your debt (LCS may contact third parties about your debt)
- ▶️ Calling your workplace
- ▶️ Threatening to sue you, harm you, or destroy your credit
- ▶️ Telling you or anyone else that you’ve committed a crime
- ▶️ Calling repeatedly for the wrong person
- ▶️ Failing to notify you of your right to dispute the debt
- ▶️ Trying to collect more than legally allowed
LCS Financial Services Corporation Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📲 888-864-0363
- 📲 (888) 864-0363
- 📲 8888640363
If the answer is yes, then you are receiving calls from a known LCS number. You may be a victim of LCS phone harassment. The list above is not all the numbers that LCS uses. The calls can be from different phone numbers and it still be LCS Financial Services Corporation calling you. Contact our office right away so we can start the process to stop LCS from calling you illegally. Some consumers have reported that LCS has not responded appropriately to their requests to stop the calls. Above all, no one should live with harassment!
Credit Report and Debt Collection
When LCS Financial Services, a collection agency, reports a collection account on your credit report, it can have a significant negative impact on your credit score and financial future. As a consumer, you have important rights under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) to protect yourself from unfair or inaccurate debt collection and reporting practices.
If you find a collection account from LCS Financial Services on your credit report, you have the right to dispute it. Start by sending a written request directly to LCS Financial Services, including your account number and a clear explanation of why you believe the debt is incorrect or should not be reported. Under federal law, LCS Financial Services must respond to your dispute and provide validation of the original debt within 30 days. If they fail to respond or cannot validate the debt, they are required to remove the collection account from your credit report.
It’s also wise to review the details of the debt before making any payments, especially if the debt is old or you believe it may be past the statute of limitations. Paying a debt that is no longer legally collectible can restart the clock and potentially harm your credit further. Always request documentation about the original creditor, the amount owed, and the history of the account before taking any action.
If LCS Financial Services sues you for an unpaid debt, it’s crucial to respond promptly. Ignoring a lawsuit can result in a default judgment, which may lead to wage garnishment or other legal consequences. Consulting with a law firm experienced in debt collection cases can help you determine the best way to protect your rights and respond to any legal action.
Consumers who believe LCS Financial Services has violated their rights can file a complaint with the Better Business Bureau or the Federal Trade Commission. In Colorado, where LCS Financial Services is based, additional protections are available under the Colorado Fair Debt Collection Practices Act. The Colorado Attorney General’s office and consumer protection law firms can provide guidance and support if you’re dealing with aggressive or unfair collection tactics.
Remember, you have the power to dispute and remove inaccurate collection accounts from your credit report. By understanding your consumer rights, reviewing all debt collection attempts carefully, and seeking help from reputable law firms and consumer protection agencies, you can take control of your credit and protect yourself from unfair practices by debt collectors like LCS Financial Services.
Complaints Against LCS Financial Services Corporation
The following is a sample list of complaints filed against LCS Financial Services Corporation in the past and can be found on Pacer.gov.
- 📋 3:09-cv-02843-TEH Herrera v.
- 📋 6:11-cv-00090-MSS-DAB Fajardo v.
- 📋 8:14-cv-02450-JSM-AEP Ferrara v.
- 📋 1:09-cv-20557-CMA Medina v.
- 📋 1:12-cv-01089-WTL-DML Frantz v.
About Us
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. Rather than suffer alone, contact our office to begin the process to stop the LCS Financial Services Corporation harassment. Our office has been assisting consumers since 2010. We have helped thousands of clients resolve debt collection harassment issues. 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 LCS Financial Services Corporation. call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 Consumer Rights Law Firm PLLC went above and beyond to help me during one of the most stressful times in my life. Debt collectors were calling me multiple times a day, even after I asked them to stop. CRLF immediately took control of the situation, contacted the collectors on my behalf, and put an end to the harassment. Their team is professional, compassionate, and extremely knowledgeable. I truly appreciate the peace of mind they’ve given me.
- 🏆 Before I found Consumer Rights Law Firm PLLC, I felt powerless against aggressive debt collectors. They would call during work hours, on weekends, and even leave threatening voicemails. From my first consultation, CRLF made me feel confident that the harassment would end—and they delivered. The calls stopped, my stress level dropped, and I was finally able to focus on my life again. I highly recommend them to anyone facing similar issues.
- 🏆 I had no idea there were laws that could protect me from abusive debt collection practices until I contacted Consumer Rights Law Firm PLLC. They not only educated me about my rights but also took quick and effective action to stop the harassing calls. Their attorneys are skilled, approachable, and truly dedicated to helping clients. I’m so grateful for their support and would absolutely turn to them again if needed.
FAQs
Who is LCS Financial Services Corporation and why are they calling me?
LCS Financial Services Corporation is a legitimate third-party debt collection agency based in Colorado. If they are contacting you, it usually means a lender or creditor believes you owe a debt that has been assigned to LCS for collection.
Is LCS Financial Services engaging in illegal phone harassment or scam tactics?
Some consumers report aggressive behavior such as repeated calls, robocalls, threats, profanity, or contacting workplaces. If these actions occur, they may violate the FDCPA or TCPA and could be unlawful.
What phone numbers does LCS Financial Services use to call?
LCS Financial Services has been reported calling from numbers such as 888-864-0363 and related variations. Calls from unfamiliar numbers could be spoofed or from another entity using a similar name.
Can LCS Financial Services call before 8 a.m. or after 9 p.m.?
No. Federal law generally prohibits debt collectors from calling before 8 a.m. or after 9 p.m. local time unless you specifically consent to those hours.
Can LCS Financial Services call my workplace or talk about my debt with others?
They may only contact third parties to locate you and cannot discuss your debt with coworkers, friends, or family. Workplace calls must stop if you inform them such calls are not allowed.
What should I do if LCS Financial Services is harassing me by phone?
You should document every call, including dates, times, numbers, and what was said. Sending a written cease-and-desist letter and filing complaints with consumer protection agencies may help stop the harassment.
Can I dispute the debt LCS Financial Services is calling about?
Yes. You have the right to dispute the debt in writing within 30 days of first contact. LCS must pause collection efforts until they provide proper written verification.
Can I sue LCS Financial Services for violating debt collection laws?
Yes. If LCS violates the FDCPA or TCPA through harassment, threats, or improper calling practices, you may be entitled to damages and attorney’s fees.
Can LCS Financial Services affect my credit score?
Yes. If the debt is reported to credit bureaus, it can negatively impact your credit score. Any inaccurate information may be disputed with the credit reporting agencies.
How can I make LCS Financial Services stop contacting me?
You can send a written cease-contact request. If LCS continues calling after receiving it, you may file complaints with regulators or seek legal action.
