LTD Financial Services Debt Collection Harassment? Stop the Calls!

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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.

The Fair Debt Collection Practices Act, also known as the 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 website, LTD Financial Services has been in business since 1993. There have been 7 complaints closed in the last 3 years and 0 complaints closed out in the last 12 months.

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 a different 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.


Common Questions:

Is LTD Financial Services a scam? No, LTD Financial Services has been in business since 1993.

Can LTD Financial Services seize my property? LTD Financial Services can’t seize your property, but there are some exceptions. If the debt was tied to the property the collector may be able to repossess it. Or, if the collector has sued and obtain a judgment against you, the debt collector may be able to take certain property as permitted by the court.

Can LTD Financial Services sue me? Yes, LTD Financial Services can sue you so long as the debt is within the statute of limitations.

Can LTD Financial Services report my debt to the collections bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report

Can LTD Financial Services 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.

The following is a sample list of complaints filed against LTD Financial Services and can be found on Pacer.org.

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 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.

Consumer Rights Law Firm, PLLC 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 at www.consumerlawfirmcenter.com.


Success Stories

“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.

“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful and they were familiar with the Collection Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.

“Because of a lie from a third party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”

Check out a links below for more information:


Texas Attorney General

Consumer Financial Protection Bureau

Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.