Monterey Financial Services Phone Harassment?
Is Monterey Financial Services (MFS) calling you? Stop Monterey Financial Services 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 MFS 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 Telephone Consumer Protection Act (TCPA) protects consumers from unwanted robocalls, and violations of the TCPA can result in substantial recoveries for consumers, such as $500 per call for unauthorized robocalls.
Is Monterey Financial Services a Scam?
According to the Better Business Bureau website, Monterey Financial Services has been in business for 29 years. There have been 78 complaints filed against MFS with the BBB.
Monterey Financial Services Better Business Bureau
Who is Monterey Financial Services?
Monterey Financial Services is a third-party debt collection agency located in Oceanside, California. They have been a party to over 710 federal cases based on their issuance of credit and collection of debts incurred on their credit cards. A recent Federal Court case alleges that Monterey Financial Services used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. In addition to debt collection, Monterey Financial Services also offers loan servicing, managing and overseeing the payment process of loans to ensure efficient debt recovery.
Address: 4095 Avenida De La Plata
Oceanside, CA 92056-5802
Phone: (760) 639-3500
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Understanding Debt Collection Harassment
Debt collection harassment is a serious issue that affects many consumers. It can take many forms, including repeated phone calls, threatening letters, and even lawsuits. Debt collectors may call you multiple times a day, use abusive language, or threaten you with legal action. These tactics are not only stressful but also illegal under federal law. If you are being harassed by a debt collector, it’s essential to understand your rights and know how to stop the harassment. The Fair Debt Collection Practices Act (FDCPA) protects consumers from abusive debt collection practices, ensuring that debt collectors treat you fairly and with respect.
Monterey Financial Services Debt Collection Tactics
If Monterey Financial Services 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
- Talking to others 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
Debt collection agencies, like Monterey Financial Services, may employ various phone numbers to contact debtors, and these tactics can lead to harassment.
Monterey Financial Services Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
760-639-3500, 800-456-2225, 877-399-6374, 877-775-3091, 877-775-3080, 760-639-3510,(760) 639-3500, (800) 456-2225, (877) 399-6374, (877) 775-3091, (877) 775-3080, (760) 639-3510, 7606393500, 8004562225, 8773996374, 8777753091, 8777753080, 7606393510,
If the answer is yes, then you are receiving calls from a known MFS number. You may be a victim of MFS phone harassment. The list above is not all the numbers that MFS uses. The calls can be from a different number and it still be Monterey Financial Services calling you. Contact our office right away so we can start the process to stop MFS from calling you illegally. Above all, no one should live with harassment!
Validating and Disputing the Debt
When a debt collector contacts you, they must provide you with a written validation of the debt within five days of initial contact. This validation must include the amount owed, the name of the creditor, and a statement that unless you dispute the debt, the debt will be assumed valid. If you dispute the debt, the collector must stop collection efforts until verification is provided. You can dispute the debt by sending a written letter to the collector, stating that you do not owe the debt. This process is crucial in ensuring that you are not paying for a debt that you do not owe and that the debt collector is following legal procedures.
Credit Report and Debt Collection
Debt collectors can report your debt to credit bureaus, which can negatively affect your credit score. However, the Fair Credit Reporting Act (FCRA) requires credit bureaus to ensure that the information on your credit report is accurate and up-to-date. If you believe that a debt collector has reported incorrect information on your credit report, you should dispute it with the credit bureau. You can also request that the debt collector provide you with a copy of your credit report. Ensuring the accuracy of your credit report is vital for maintaining your financial health and preventing any unwarranted damage to your credit score.
Stopping Debt Collection Harassment
If you are being harassed by a debt collector, there are steps you can take to stop the harassment. You can request that the collector communicate with you in writing, rather than by phone. You can also ask the collector to stop contacting you at inconvenient times or places, such as at work or during meals. If the collector continues to harass you, you can file a complaint with the Federal Trade Commission (FTC) or your state’s Attorney General’s office. Taking these steps can help you regain control and put an end to the distressing phone calls and other forms of harassment.
Common Questions
Is MFS a scam? No, Monterey Financial Services has been in business for 29 years.
Can Monterey Financial Services garnish my wages? Yes, MFS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can MFS sue me? Yes, MFS can sue you so long as the debt is within the statute of limitations
Can MFS report my debt to the collections bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report
Can MFS 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 Monterey Financial Services in the past year and can be found on Pacer.org.
1:17-cv-02124-TWT Kelley v. Monterey Financial Services
1:18-cv-00325-JKB Garrett v. Monterey Financial Services
1:04-cv-01656-DC Thomas et al v. Monterey Financial Services
1:18-cv-02467-JMF Heath v. Monterey Financial Services
1:14-cv-00043-JPJ-PMS Alexander v. Monterey Financial Services
Taking Action Against Debt Collectors
If you believe that a debt collector has violated the Fair Debt Collection Practices Act (FDCPA), you can take legal action against them. You can file a lawsuit against the collector and seek damages for any harm caused by their actions. You can also report the collector to the FTC or your state’s Attorney General’s office. Additionally, you can work with a consumer law attorney to stop the harassment and negotiate a settlement with the collector. Knowing your rights and taking action can help you protect yourself from unfair debt collection practices and hold the debt collectors accountable for their actions.
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 Monterey Financial Services harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from Monterey Financial Services 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 the links below for more information:
https://consumer.ftc.gov/articles/debt-collection-faqs
https://consumerlawfirmcenter.com/nelson-cruz-associates-debt-collection-harassment/
https://consumerlawfirmcenter.com/allied-interstate-phone-harassment/
https://consumerlawfirmcenter.com/fingerhut-phone-harassment-stop-robocalls/
https://consumerlawfirmcenter.com/abc-financial-services-debt-collection-harassment/
https://consumerlawfirmcenter.com/stop-arc-management-group-collection-calls/
https://consumerlawfirmcenter.com/machol-johannes-debt-collection-harassment/
