Stop CFAM Financial Services, LLC Phone Harassment?
Is CFAM Financial Services, LLC harassing you with constant phone calls? Persistent calls from CFAM Financial Services, LLC can be a form of harassment. Do they threaten to take legal action or garnish your wages, or demand payment for an alleged debt? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt or providing inaccurate information reported to third parties? If so, what they are doing is illegal and needs to stop, especially if they are using obscene language or other abusive tactics. You have the legal right to stop CFAM Financial Services, LLC phone harassment, and you can send a written request to stop contacting you. Debt collectors are legally required to follow the FDCPA. 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. Disputes can be filed if your rights are violated, and any disputed debt must be investigated. If the debt is the result of identity theft, you have the right to dispute it. Such actions can negatively impact your credit. Contacting a consumer rights attorney can help stop harassment, and attorneys can act on your behalf to resolve disputes. You can also report violations to the Federal Trade Commission.
Is CFAM Financial Services, LLC a scam?
According to the Better Business Bureau website, CFAM Financial Services, LLC opened a BBB file in 2012. There have been 11 complaints closed in the last 3 years and 4 complaints closed out in the last 12 months.
Read more here: CFAM Financial Services, LLC Better Business Bureau.
What is CFAM Financial Services, LLC?
CFAM Financial Services, LLC is a debt collection agency that buys defaulted debts, including auto loans and credit card accounts, from various creditors such as credit card companies, car dealerships, and banks. CFAM appears on credit reports as a collection account, which can negatively impact your credit history and result in higher interest rates on future loans. Debt collection agencies like CFAM collect debts on behalf of original creditors and original creditors, including credit card companies and other lenders. Consumer laws protect you from unfair collection practices and inaccurate information reported to credit bureaus. It is important to understand your rights and verify any information reported by CFAM or other debt collectors.
Address: 8333 Douglas Avenue Ste 1525 Dallas, TX 75225
Phone: (877) 360-2326
CFAM Financial Services, LLC Phone Harassment Examples
If CFAM Financial Services, LLC 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
CFAM Financial Services, LLC Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
☎️ (877) 360-2326
If the answer is yes, then you are receiving calls from a known CFAM Financial Services, LLC number. You may be a victim of CFAM Financial Services, LLC phone harassment. CFAM Financial Services calling repeatedly can be a sign of aggressive debt collection practices. The list above is not all the numbers that CFAM Financial Services, LLC uses. The calls can be from different phone numbers and it still be CFAM Financial Services, LLC calling you. Contact our office right away so we can start the process to stop CFAM Financial Services, LLC from calling you illegally. Above all, no one should live with harassment!
Credit Report Implications of Debt Collection
When a debt is sent to a collection agency like CFAM Financial Services, the consequences can extend far beyond persistent phone calls—your credit report and overall financial health may be at risk. Under the Fair Credit Reporting Act (FCRA), debt collectors and collection agencies are required to report accurate and up-to-date information to the major credit bureaus, including Equifax, Experian, and TransUnion. If CFAM Financial Services reports a collection account, this negative mark can remain on your credit report for up to seven years, regardless of whether you eventually pay the debt.
A collection account on your credit report can significantly lower your credit score, making it harder to qualify for loans, credit cards, or even favorable interest rates. This negative impact can linger, affecting your ability to secure housing, employment, or other financial opportunities. That’s why it’s crucial to monitor your credit reports regularly and address any collection activity as soon as possible.
If you believe a debt is being reported inaccurately, you have the legal right to dispute the information with the credit reporting agencies. The FCRA and the Fair Debt Collection Practices Act (FDCPA) protect consumers from abusive practices and ensure that only legitimate debts are reported. Working with a reputable credit repair company can help you navigate the complex process of disputing errors and restoring your credit profile.
It’s also important to verify any debt before making payments. Even though CFAM Financial Services is a legitimate debt collection agency, mistakes can happen, and you should always confirm that the debt is yours and that the amount is correct. If you’re being contacted by CFAM Financial or any other debt collector, request a written notice of the debt and review your credit reports for accuracy.
If you experience harassing phone calls or other abusive practices from debt collectors, remember that you are protected by federal laws. You may be entitled to statutory damages of up to $1,000 and attorney fees if your rights are violated. The Better Business Bureau and other consumer resources can provide valuable information about collection agencies and help you understand your options.
Protecting your credit and financial health starts with knowing your rights. Address debts promptly, dispute any inaccurate information, and don’t hesitate to seek legal action if necessary to stop CFAM Financial Services or any other collection agency from negatively impacting your credit report. By staying informed and proactive, you can minimize the negative effects of debt collection and safeguard your financial future.
Complaints Against CFAM Financial Services
The following is a sample list of complaints filed against CFAM Financial Services, LLC and can be found on Pacer.gov.
- 🔗 1:19-cv-04341-FB-ST Jones v.
- 🔗 0:16-cv-61517-JEM Colchado et al v.
- 🔗 1:16-cv-00377-LTB Collins v.
- 🔗 3:14-cv-00700-RJC-DSC Vicks et al v.
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. Rather than suffer alone, contact our office to begin the process to stop the CFAM Financial Services, LLC 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 even more harassment from CFAM Financial Services, LLC, call us at 877-700-5790.
Success Stories
🏆 I had an excellent experience with this law firm and want to give a special shout-out to Matthew for his outstanding work. From the very beginning, Matthew was professional, knowledgeable, and genuinely committed to helping me understand my rights. He communicated clearly every step of the way, answered all my questions, and made a stressful situation much easier to handle. Thanks to his dedication and expertise, I felt supported and confident throughout the process. I highly recommend this firm—especially Matthew—to anyone in need of top-notch consumer rights representation!
🏆 Matthew was so helpful. This company was amazing. We were being hassled up to 10 times a day for a bill that was less than $1000. The person who had our account was nasty and EXTREMELY unprofessional. I sought out help from Consumer Rights Law Firm and within 45 days we had relief. So grateful to Matt for his help and professionalism. He kept us informed with every step and fulfilled everything that he said. Very grateful. Thank you
🏆 Amazing! My experience was very quick and easy and I got a nice settlement in no time. Also, their word was kept as far as not paying any fees. Zero out of pocket, and great settlement in return. 5 stars!
Frequently Asked Questions
1. Question: Why is CFAM Financial Services calling me?
Answer: CFAM Financial Services may be contacting you to collect a debt on behalf of another creditor. They are a debt collection agency that reaches out to consumers over unpaid accounts.
2. Question: What is considered phone harassment by CFAM Financial Services?
Answer: Phone harassment includes repeated calls, threats, calling at odd hours, or contacting you after you’ve requested them to stop in writing under the FDCPA.
3. Question: Can CFAM Financial Services make robocalls?
Answer: Robocalls from CFAM Financial Services may be illegal without your prior written consent. Such actions could violate the Telephone Consumer Protection Act (TCPA).
4. Question: How can I stop CFAM Financial Services from calling me?
Answer: You can stop CFAM Financial Services by sending them a written cease-and-desist letter. Once received, they must halt most communications as required by law.
5. Question: What should I do if I don’t owe the debt CFAM Financial Services claims?
Answer: If you don’t believe the debt is yours, you can dispute it within 30 days of first contact. CFAM Financial Services must verify the debt before continuing collections.
6. Question: Can I sue CFAM Financial Services for phone harassment?
Answer: Yes. If CFAM Financial Services violates the FDCPA or TCPA, you may be eligible to file a lawsuit and recover damages for illegal debt collection practices.
7. Question: What are my rights under the FDCPA against CFAM Financial Services?
Answer: Under the FDCPA, you have the right to fair treatment. CFAM Financial Services cannot threaten, harass, or mislead you during debt collection attempts.
8. Question: How do I document harassment from CFAM Financial Services?
Answer: Keep detailed records of all calls, dates, times, voicemails, and written messages. This evidence can support your complaint or legal action against CFAM Financial Services.
9. Question: Can CFAM Financial Services contact my employer or family?
Answer: Debt collectors like CFAM Financial Services generally cannot discuss your debt with your employer or family. They can only contact them for limited information such as your address.
10. Question: Who can help me stop CFAM Financial Services phone harassment?
Answer: Consumer rights attorneys or firms like Consumer Rights Law Firm PLLC can help you stop the calls, file complaints, and take legal action if your rights are violated.