LTD Financial Services Debt Collection Harassment
Tired of LTD Financial Services Debt Collection Harassment? Wish there was a way to make the calls stop? Is LTD Financial Services constantly calling and harassing you? Does your phone ring every day, several times per day, because LTD Financial Services is calling you to demand payment? Threatening you with legal action? Has LTD Financial Services ever used abusive or profane language when speaking with you on the phone? If so, LTD Financial Services may be violating your legal rights. Stop the harassment. Debt collectors are required by law to respect your rights throughout the debt collection process.
The Fair Debt Collection Practices Act (FDCPA) protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.
Is LTD Financial Services a scam?
According to the Better Business Bureau page, LTD Financial Services has been in business since 1993, operating for over 30 years. There have been 7 complaints closed in the last 3 years and 0 complaints closed out in the last year.
Read more here: LTD Financial Services Better Business Bureau.
Who is LTD Financial Services?
LTD Financial Services is third party debt collector located in Houston, Texas. They have been a party to over 500 federal cases based on their issuance of credit and collection of debts incurred on their credit cards. Furthermore, a recent Federal Court cases alleges that LTD Financial Services used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
Address: 7322 Southwest Frwy, Ste. 1600 Houston, TX 77074 Phone: (800) 414-2101 Fax: (800) 414-2101
LTD Financial Services Debt Collection Harassment Tactics
If LTD Financial Services engages in any of the following tactics, you may have a case:
- Calls before 8:00 a.m. or after 9:00 p.m. or at any time or that they are given notice that it is inconvenient to call (FDCPA 15 U.S.C. 1692c)
- Talking to others about your debt (FDCPA 15 U.S.C. 1692b)
- Call the consumer’s place of employment if they have been advised that calls cannot be accepted at work. (FDCPA 15 U.S.C. 1692c)
- Use any profane language or any language that is harassing and abusive (FDCPA 15 U.S.C. 1692d)
- Engage in any conduct, the natural consequence of which is to harass, abuse or oppress. (FDCPA 15 U.S.C. 1692d)
- Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment( FDCPA 15 U.S.C. 1692e)
- Threaten arrest or criminal prosecution ( FDCPA 15 U.S.C. 1692e)
- Send false information to the credit bureaus ( FDCPA 15 U.S.C. 1692e)
- Cause a telephone to ring an unreasonable amount of times ( FDCPA 15 U.S.C. 1692d)
LTD Financial Services Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
- 866-310-9845
- 800-741-2100
If so, you may be a victim of LTD Financial Services debt collection harassment. The list above is not all the numbers that LTD Financial Services uses. Also, calls can be from different phone numbers and it still be LTD Financial Services calling you. Contact our office right away so we can start the process to stop LTD Financial Services from calling you illegally. Above all, no one should live with harassment.
How LTD Financial Services Can Affect Your Credit
LTD Financial Services, a privately held company headquartered in Houston, TX, is a major player in the financial services industry, working with creditors nationwide to collect outstanding debts. As a limited partnership (LP), LTD Financial’s business involves reaching out to consumers on behalf of banks and other financial institutions, and their actions can have a direct impact on your credit report and score.
When LTD Financial Services is assigned to collect a debt, they may report the account to the major credit bureaus. This can result in a negative mark on your credit history, which may lower your credit score and make it more difficult to qualify for loans, credit cards, or even certain jobs. In Houston and across Texas, many consumers are surprised to find that a single collection account from a company like LTD Financial can remain on their credit report for up to seven years, even after the debt is paid.
Understanding Your Rights Under FDCPA and FCRA
It’s important for consumers to understand their rights under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws are designed to protect you from unfair, deceptive, or abusive practices by debt collectors and to ensure that the information reported to credit bureaus is accurate. If you believe LTD Financial has reported incorrect information or is using aggressive tactics, you have the right to dispute the entry and file a complaint.
How to Monitor Your Credit
To protect your credit, regularly check your credit reports for any new entries from LTD Financial Services or other financial services companies. If you spot an error, contact both the credit bureau and LTD Financial’s Houston office to dispute the information. You can also reach out to LTD Financial directly, contact details are available on their website and business pages to discuss payment options or negotiate a settlement that could help resolve the debt and potentially improve your credit standing.
Getting Help When Rights Are Violated
If you feel your rights have been violated or you’re struggling to deal with LTD Financial, Consumer Rights Law Firm PLLC can help. Our team of experienced attorneys guides consumers through debt collection disputes, ensures your rights are protected, and takes action against unlawful practices. We work with reputable financial services and know how to hold debt collectors accountable.
You can also file complaints with the (CFPB) or the Better Business Bureau (BBB), but having expert legal support from Consumer Rights Law Firm PLLC strengthens your case and ensures your rights are enforced.
Remember, you’re not alone, many consumers in Houston, TX, and across the country face similar challenges. By staying informed, monitoring your credit, and seeking help from Consumer Rights Law Firm PLLC, you can protect yourself from lasting credit damage and work toward a brighter financial future.
Complaints Against LTD Financial Services
The following is a sample list of complaints filed against LTD Financial Services and can be found on Pacer.gov.
| Case Number | Case Name |
|---|---|
| 1:19-cv-03002 | Morman v. LTD Financial Services, L.P. |
| 2:19-cv-00630-JPS | Norton v. LTD Financial Services LP et al |
| 4:19-cv-01552 | Houser v. LTD Financial Services, L.P. |
| 1:19-cv-00526-LJV | Magno v. LTD Financial Services, L.P. |
| 1:19-cv-01992-ENV-SMG | Ata Rahman v. LTD Financial Services, L.P. |
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. Contact a legal professional to stop LTD Financial Services debt collection 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 LTD Financial Services debt collection harassment, call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- I had an excellent experience with Consumer Rights Law . Their customer service is truly the best in town. Whenever I needed help or had questions, they reached out or called me back as soon as possible. They kept me updated with daily details about my case, which gave me peace of mind throughout the entire process. I highly recommend this attorney to all my friends and colleagues—professional, reliable, and genuinely committed to their clients.
- I’m extremely grateful for the support and guidance I received throughout my case. From start to finish, the team was professional, responsive, and truly cared about my situation. Thanks to their hard work, my case was resolved completely in my favor without any repayment or attorney fees was guaranteed no money payback out of pocket I would highly recommend them to anyone in need of honest and effective legal assistance.
- The law firm is highly regarded for its dedication to safeguarding individuals’ rights and its personalized, genuine-care approach to legal support. Attorney Derek possesses exceptional skill and extensive experience in handling consumer rights cases, while Matthew and Scott approach their work with patience and attentiveness, carefully explaining each step of the legal process to clients. I strongly endorse this firm as a trusted and compassionate resource for those seeking assistance with consumer rights matters.
Frequently Asked Questions
Q1: Who is LTD Financial Services and why are they contacting me?
LTD Financial Services is a debt collection firm based in Houston, Texas, that contacts individuals about alleged past-due debts. They collect on behalf of creditors and may reach out via phone calls or mail.
Q2: Is it legal for LTD Financial Services to call me repeatedly?
Under the Fair Debt Collection Practices Act (FDCPA), collectors are prohibited from calling repeatedly with the intent to annoy, abuse, or harass. If LTD Financial Services makes many calls per day or uses aggressive tactics, that may violate your rights.
Q3: Can LTD Financial Services call me before 8 a.m. or after 9 p.m.?
No, debt collectors under the FDCPA cannot call you outside of the time-window of 8:00 a.m. to 9:00 p.m. local time unless you agree. Calls outside these hours may be harassment.
Q4: What should I do if LTD Financial Services threatens to sue me?
If threatened, ask for written proof of the debt. Check whether the debt is valid, and consider consulting a consumer rights attorney. False or deceptive threats may violate the FDCPA.
Q5: Can LTD Financial Services contact my employer or family members about my debt?
They are allowed in some states to contact third parties, but only to obtain your contact information, not to discuss your debt. Disclosing debt details to employer or family is generally prohibited and may be illegal.
Q6: What are my rights to ask LTD Financial Services to verify the debt?
You have the right under FDCPA to request a validation of the debt in writing within 30 days of their initial contact. During that time they must cease collection until they provide verification.
Q7: Can I sue LTD Financial Services for harassment or illegal debt collection practices?
Yes. If LTD Financial Services violates the FDCPA (such as using harassment, false statements, or calling at improper times), you may sue in federal court for damages, attorney’s fees, and other relief.
Q8: What should I do to stop LTD Financial Services from calling me?
Document every call (date, time, content), send a written cease-and-desist request, and if calls persist, file complaints with the (CFPB), your state attorney general, or equivalent. Legal help may also be an option.
Q9: Could LTD Financial Services report the debt to credit bureaus?
Yes, legitimate collection agencies can report debts to credit bureaus, which may negatively affect your credit score. If there are inaccuracies, you have the right to dispute with the bureaus.
Q10: How long can LTD Financial Services try to collect a debt?
They can attempt to collect until the statute of limitations in your state has passed. After that, the debt is “time-barred,” meaning they can still ask for payment but cannot sue to enforce the debt. You may want to check state law for your location.
