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Updated by Attorney Derek DePetrillo on April 16, 2024

Phoenix Financial Services Phone Harassment?

Has Phoenix Financial Services (PFS) been calling you nonstop? It would interest you to know that when calls from Phoenix Financial Services gets excessive, it could be considered as Phoenix Financial Services’ phone harassment. Debt collectors like are allowed to call your phone to discuss your debt but they aren’t allowed to harass, threaten, or use obscene words with you.

If Phoenix Financial Services debt collection is making you feel unsafe and threatened either because they are harassing you or because they are calling you multiple times per day and even calling your friends and family, they are violating your rights and you just might need to take them to court. You have the legal right to stop Phoenix Financial Services’ 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.

How to Avoid Falling for Debt Collection Scams

Some phone calls you might receive as a debtor might be from your debt collector to remind you of your delinquent account. Reporting such calls as a scam call when in fact you do owe them is not just a lie but could also attract severe unpleasant consequences.

Having said that, it shouldn’t go unattended that some calls from so-called debt collectors are scams and should be spotted, avoided, and treated appropriately. Someone may call you claiming to be from phoenix financial services LLC when in the actual sense, they are scammers. If you are not careful, you may fall for the scam because many scammers may mimic phoenix financial collections or other debt collectors well and they could be very manipulative, disturbing, and convincing

Before knowing how to avoid falling for such scam calls, here are few pointers that should make you suspect that you’re getting calls from a fake debt collector:

  • The caller, that is the debt collector cannot be recognized by you, either by voice or by name. If you have spoken with a phoenix financial debt collector before, you most likely have an idea of who it was and what their name is. This scammer will most likely have no idea of that information.
  • The debt collector has no information on the internet, no company trace, no tangible contact information. When you get such a call, you should ask questions about the debt collector’s name and address and immediately look it up online.
  • The debt collector insists on instant payment. This is a big red flag. Scammers are usually in haste because they don’t want to get caught. So, they try to get money from you as fast as possible. If a debt collector is demanding an online payment instantly, you just might be talking to a scammer.
  • The debt collector would prefer you to make a mobile transfer, in other to avoid physical contact.
  • The debt collector threatens you with jail time, whether or not you think your debt warrants jail time, debt collectors do not have the right to send you to jail over the non-payment of your debt. . Some legit debt collectors still do this, but this could also be a sign of a fake debt collector.
  • There is no record of the debt on your credit report.
  • The debt collector asks you for personal information that the debt collection agency should be in possession of if truly you’re owing.

So, with that in mind here’s what to do to avoid falling for a scam when it eventually comes to your doorstep:

  • Press the “bomb” button: Record every unsure conversation you have with a so-called debt collector. This would be huge evidence against that person if he or she persists and finally, you sue. Be sure to review the laws in your state regarding the admission of recordings taken without the permission of the second party in court,
  • Press the “demand” button: Ask for written proof of debt, not a mail.
  • Press the “disengage” button: cut the call before the story gets too long, you might fall for the trap without knowing.
  • Press the “attorney” button: you could get a lawyer if the case persists and there are even threats to your life
  • Press the “defense” button: Turn the tables around and threaten to sue the caller. You could also ask for the court’s order the person has against you if they threaten you with a wage garnishment or ask to have his or her lawyer’s contact address.
  • Press the “change” button: not too necessary since you’d need it for other purposes, but if the need arises, change your contact or your phone number, especially when you are being ceaselessly contacted by a fraudulent debt collector.
  • Press the “fun” button: ever wondered how crazy a scammer would get when the joke turns on them? Well, enjoy the call by prolonging it and asking loads of questions that confuse the scammer.

Phoenix Financial should not do any of the following to you

You have rights under the FDCPA and as such, you do not have to endure Phoenix Financial Services phone harassment. If you experience any of these during Phoenix Financial Services debt collection, you just might have a case against them.

  •  Multiple calls daily and at odd hours of the day.
  • Lies to you about your debt.
  • Threatens you on using profane words in their communication with you.
  • Disclosure of sensitive information regarding your debt to third parties.

Is Phoenix Financial Services a Scam?

According to the Better Business Bureau website, Phoenix Financial Services has been in business for 5 years. There have been 254 complaints filed against PFS with the BBB. You can read more about it here: Phoenix Financial Services Better Business Bureau

Who is Phoenix Financial Services?

Phoenix Financial Services is a debt collection corporation based in Indianapolis Indiana. This company focuses exclusively on debt collection, specializing in student loan debt, medical bills, and unpaid taxes and government obligations. Over 25 federal Lawsuits have been filed against Phoenix in the past 3 years alleging violations of federal law related to their debt collection Practices.

Contact Information

Address: PO Box 361450

Indianapolis, Indiana 46236

Phone: (855) 342-6567


Phoenix Financial Services Phone Numbers

Are you receiving any harassing phone calls from any of the following numbers?

720-230-1863, 855-342-6567, (720) 230-1863, (855) 342-6567, 7202301863, 8553426567, 315-325-9466, 412-923-5368

If the answer is yes, then you are receiving calls from a known PFS number. You may be a victim of PFS phone harassment.  The list above is not all the numbers that PFS uses. The calls can be from a different number and still be Phoenix Financial Services calling you. What is most important is that you remember to contact us right away at 877-700-5790 if you endure any form of harassment during these encounters.


The following is a sample list of complaints filed against Phoenix Financial Services in the past year and can be found on

5:18-cv-00629-SLP Harding v. Phoenix Financial Services

1:18-cv-06415 Hunt v. Phoenix Financial Services LLC

2:18-cv-00279-JTM-APR Westerman v. Phoenix Financial Services LLC

4:19-cv-00077-SRB Addison v. Phoenix Financial Services, Inc.

3:18-cv-00375-CRS Spillman v. Phoenix Financial Services, LLC et al

About Us

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 Phoenix 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:

Indiana Attorney General

Consumer Finance