If a call, letter, or email about financing feels urgent but does not explain the creditor, the project, and the math behind the balance, your safest move is to slow things down and demand written details before you pay or share sensitive information.
When Service Finance Company LLC is the name you see, treat it like any financial account: verify, document, and use official channels.
Many consumers first notice the name after a missed payment, a returned payment, a dealer or contractor dispute, or a credit-report entry that does not match their records. This guide is designed to help you verify the account, spot common pressure tactics, and use the right contact channels.
Table of Contents
- Who Is Service Finance Company LLC?
- Why they contact you
- What harassment looks like
- Is Service Finance Company LLC illegal?
- Contact information
- Debt collection: reduce pressure
- Proof to request
- Contractor disputes
- Online payment safety
- Reviews and complaint patterns
- Credit reporting steps
- Where to file complaints
- If legal threats appear
- Get help with harassment
- Success stories
- Common questions about Service Finance Company LLC
Who is Service Finance Company LLC
Service Finance Company LLC says it is a nationally licensed sales finance company and an FHA Title I lender, and it lists a corporate address in Boca Raton, Florida.
In plain terms, the business is closely associated with financing home improvement projects through participating merchants and contractors (for example, HVAC, roofing, windows, and remodeling). If you choose monthly payments at the point of sale, the account may be serviced here.
What Service Finance Company LLC usually finances
The company’s public materials describe home improvement financing tied to products like roofing, solar, HVAC, doors, windows, insulation, and remodeling.
That matters because many “collection” disputes are really contract and documentation disputes. You may be disputing timing, workmanship, cancellations, or what was promised by the contractor, while the finance account is still active in the background.
Name confusion and “doing business as” names
The company lists multiple “doing business as” names, which can make the wording on a letter look different from the name you searched.
Why Service Finance Company LLC contact you
Service Finance Company LLC contact usually happens for a practical reason tied to an installment account. Common triggers include:
- A payment is late, partial, or returned by the bank.
- An automatic payment did not process as expected.
- A statement, payoff request, or account update needs confirmation.
- A contractor dispute exists but the finance account is still open.
- The account is past due and the company, or a third party working for it, is trying to collect.
If you do not recognize the account, treat that as a verification problem first. Ask for the contract date, the merchant or contractor name, the project address, the original amount financed, and a current itemized payoff or balance breakdown in writing.
Service Finance Company LLC Harassment
Harassment complaints usually start when contact feels like pressure instead of communication. The most common real-world patterns include:
- Repeated calls in a short window, especially after you asked for written details.
- Voicemails that sound “time-sensitive” but do not explain the account, dates, or creditor clearly.
- Requests for payment during the first call before anything is sent in writing.
- Identity questions where the caller asks for sensitive information before explaining the account.
Federal rules for debt collectors include a call-frequency presumption tied to a particular debt. Regulation F provides a presumption of a violation if a debt collector places more than seven calls within seven consecutive days about a specific debt, or calls within seven days after speaking with you about that debt.
Important context: those rules apply to “debt collectors” under federal definitions, not every creditor in every situation. Still, the practical takeaway is the same. If contact feels excessive, document it and move communication into writing.
Is Service Finance Company LLC illegal?
Service Finance Company LLC Collections can be lawful, but certain conduct can cross the line depending on who is calling and what they are doing.
Use this simple framework:
- Fair Debt Collection Practices Act (FDCPA) and Regulation F: These rules primarily apply to third-party debt collectors and restrict harassment, deception, and certain communication practices.
- Telephone Consumer Protection Act: If calls or texts are automated, repeated, or sent without proper consent, telephone rules may apply.
- Fair Credit Reporting Act: If an account is reported inaccurately, consumers typically dispute errors with the credit bureaus and the furnisher, using documentation.
If you are unsure whether you are dealing with the original lender/servicer or a third-party collector, ask for the company name, mailing address, creditor name, and account reference, then request written details.
Service Finance Company LLC Collection Agency
This is a phrase people often search when they are trying to figure out whether the caller is the original lender, a servicer, or a third-party collector. The safest way to answer that question is to compare the caller’s information to the address and numbers on your statement and the official contact page, then request written documentation.
Contact information
Service Finance Company LLC Phone Number
Use the contact information on your statement or letter first, then compare it to the company’s official contact page.
Phone numbers commonly listed publicly
- 866-254-0497 (customer service)
- 866-393-0033 (listed on the company site)
- 866-257-8122 (fax)
Address information commonly listed publicly
The company lists a corporate address in Boca Raton, Florida and provides a separate address for credit-report disputes.
Quick reference
| Item | What public sources show |
| Corporate address | 555 S Federal Hwy, Suite 200, Boca Raton, FL 33432 |
| Phone | 866-254-0497 |
| Fax | 866-257-8122 |
| info@svcfin.com | |
| Dispute address (credit reporting) | 555 S Federal Hwy, Suite 350, Boca Raton, FL 33432 |
| Online portal | “Make a Payment” portal (myloan.svcfin.com) |
Service Finance Company LLC Debt Collection
These situations get easier to manage when you move from phone pressure to written proof.
- Do not pay during the first call.
If the account is wrong, paying fast can make cleanup harder. - Ask for written details.
Use one sentence: “Please send me written details of the account, including the creditor and itemized amount.” - Keep a call log.
Write down the date, time, caller ID, what was said, and whether you asked for mail-only contact. - Limit what you confirm by phone.
Do not confirm SSN, bank account, or full DOB until you match the caller to a real account and a real address. - Watch for scam signals.
Immediate payment demands, gift cards, crypto, wire transfers, or threats of arrest are not normal payment channels.
If a third-party collector is involved, federal rules may also give you options to request limits on communications and to dispute the account after a validation notice.
Short phone scripts that reduce pressure
The fastest way to stop “back-and-forth” calls is to request paperwork and end the conversation. These short scripts keep you safe without admitting the debt:
- “I do not discuss this by phone. Please send written details to my mailing address.”
- “What is the creditor name, the contract date, and the mailing address for disputes?”
- “I need an itemized balance and payment history in writing before I respond.”
- “Do not contact me at work. Use mail only.”
- “If you are a third-party collector, send the required validation information.”
After you say it, stop talking. Do not argue about the balance, and do not share banking details on a live call.
How to document a Service Finance Company LLC harassment pattern
A strong record is boring and consistent. Save screenshots of missed calls, export your call history, keep every voicemail, and keep every envelope that comes with a letter. In a simple notes file, log the date, time, number, and a one-line summary of what the caller demanded. If the same issue happens repeatedly (for example, multiple calls in a day or confusing “time-sensitive” voicemails), those details help you show a pattern instead of a single bad interaction.
If you already paid
If you paid and the balance did not update the way you expected, ask for a written payoff quote or written confirmation of how your payment was applied (principal, interest, fees, and any late charges). Keep the receipt and confirmation number, then compare the updated statement to the payment history you requested. If a credit report still shows an incorrect status after the account is resolved, dispute the specific error with supporting documents.
Proof to Request Service Finance Company LLC
A proof-first request should focus on documents and data a real account would have.
If a third-party collector is contacting you, Regulation F describes required information in a validation notice, including an itemization date and itemization of interest, fees, payments, and credits.
For a home improvement financing account, ask for:
- The signed contract or retail installment agreement.
- The merchant or contractor name and the project address.
- The original amount financed and contract date.
- A full payment history.
- An itemized current balance and payoff quote (fees, interest, credits).
- Any assignment or servicing history (if a third party is involved).
Verification checklist table
| Question | What you want in writing |
| “Is this really my account?” | Contract copy, identifying account details, and project/merchant name |
| “Why is the balance higher?” | Itemization showing interest, fees, credits, and the date each was added |
| “Who has authority to collect?” | Servicing or placement confirmation and where disputes must be sent |
Contractor disputes
If your dispute is really about the contractor, you still need to separate two tracks: the project dispute and the finance account.
Do this first:
- Request the contract and payment history in writing.
- Gather the estimate, invoice, change orders, photos, cancellation notice (if any), and any email or text records.
- Ask in writing whether the finance company has a formal dispute process for merchant or contractor issues.
Do not rely on verbal promises like “we will pause the account.” If any pause, hold, or adjustment is real, you should be able to get it in writing.
Service Finance Company LLC online payment
Online payments should be treated like any other financial login. Use the official “Make a Payment” pathway and avoid clicking random links sent by text.
Here is a safe payment process:
- Confirm the balance in writing first.
Know whether the amount is a payoff or a regular monthly amount. - Use official channels.
Start from the official site and navigate to the payment portal, rather than trusting a link from a caller. - Get proof of payment.
Save receipts, confirmation numbers, and screenshots. - Ask how the payment will be applied.
Confirm whether it posts to principal, interest, fees, and whether it brings the account current. - Avoid “pressure payments.”
If someone will not provide written details but demands immediate payment, treat that as high risk.
Service Finance Company LLC payment planning also means asking one extra question: “After I pay this amount, will the account be current, paid off, or still accruing fees or interest?” Ask for that answer in writing.
Service Finance Company LLC Reviews
Public reviews can help you spot common friction points, but reviews do not prove wrongdoing in any specific account.
What reviews are useful for:
- Finding repeated “confusion points” such as contractor disputes and payoff calculations.
- Learning what documents other consumers say resolved the issue.
- Getting a sense of how long responses or corrections may take.
For example, a BBB listing for a similarly named business shows consumer complaints and a low average rating, and some reviewers mention account disputes and customer service issues. Treat those as allegations, then focus on your own contract, payment ledger, and written correspondence.
Credit report concerns and disputes
If you see Service Finance Company LLC on your credit reports and the entry looks unfamiliar, do not assume it is correct just because it is reported.
A safe dispute process looks like this:
- Pull your reports and write down how the account is listed (name, balance, dates, and status).
- Request the contract and payment history in writing from the company.
- If the information is wrong, dispute with the credit bureaus and keep copies of what you send.
- If the account is tied to identity theft or a wrong-person match, document that clearly and consider an identity theft report.
If you send disputes, keep proof of delivery and a file that includes screenshots of the disputed entry before and after.
Where to file complaints against Service Finance Company LLC
If you believe a caller is misleading you or refusing to give written details, you can file complaints while you continue to verify the account. Start with the Federal Trade Commission’s debt collection guidance and complaint pathways, then consider your state attorney general and your state consumer protection office.
If the issue is credit reporting, keep the dispute focused on specific inaccuracies (dates, amounts, status) and attach documentation. If the issue is a scam or impersonation attempt, include the phone number, the payment link (if any), and screenshots of texts or emails.
If legal threats appear
If you receive court papers, treat it as a deadline problem, not a phone problem.
Real legal action typically includes:
- A summons and complaint with a case number
- A response deadline
- A court name and filing party
Phone threats without paperwork are not the same thing. If you are unsure, ask for everything in writing and consider speaking with an attorney before you respond.
Get help with harassment
If you believe a Service Finance Company LLC’s pattern is unfair or you are not getting clear answers, legal support can help you stay organized and respond without guessing.
Consumer Rights Law Firm PLLC helps consumers respond to debt-collection pressure with a proof-first plan. If calls or letters seem excessive, confusing, or aimed at the wrong person, the firm can review notices, voicemails, and credit reports and help you move the dispute into writing.
If you think a caller is using illegal tactics, the firm may help you document the pattern, send validation or dispute letters, and evaluate whether the facts could support claims under the FDCPA, TCPA, or FCRA. They may also help you draft a stop-contact request, challenge inaccurate balances, and respond to deadlines.
Location: 133 Main Street, Second Floor, North Andover, MA 01845.
Phone Number: +1 877-700-5790
Email: help@consumerlawfirmcenter.com.
Success stories (examples)
I can not begin to explain what a life saver Consumer Rights Law Firm is to me. I was being harassed, receiving several calls daily and was told that I was being sued by a collection company. I found the CRLF website and was immediately put into contact with Scott, who told me what they were doing is illegal and he started on my case. I am a ridiculously anxious person and I am fairly young and new to the financial world. I was not sure who to believe or who to trust at this point, but a Scott was extremely reassuring and kept explaining to me that I would pay nothing out of pocket. This was absolutely true! My case was settled in about a month, my debt gone, and I received some money back in the settlement. This company is doing great things for people and their expertise really helped calm my anxiety!
Common questions about Service Finance Company LLC
1) What is Service Finance Company LLC?
It is a consumer finance company that provides and services financing for home improvement projects through participating merchants and contractors.
2) Why is the company contacting me?
Most contact relates to an installment account such as a late payment, returned payment, payoff request, or an account update. If you do not recognize it, request written details first.
3) Is Service Finance Company LLC legitimate?
Public contact materials list a Florida address, phone numbers, and email, and the company describes itself as a licensed finance company.
4) What should you ask before making a payment?
Ask for the contract date, merchant or contractor name, and a written itemization of the balance. Keep receipts and confirmation if you pay.
5) Can Service Finance Company LLC call me repeatedly?
If a third-party debt collector is involved, Regulation F includes a presumption of a violation above seven calls in seven days about a particular debt. Document calls and request written communication if needed.
6) What would you do if this debt is not yours?
Do not pay. Request the contract, address, and payment history in writing and dispute any mismatch with your records.
7) What if the balance seems wrong?
Request to Service Finance Company LLC a payoff quote and an itemization showing fees, interest, credits, and payments. If you see errors, dispute them in writing.
8) How do I avoid scams?
Start from the official website, confirm phone numbers, and avoid payment by gift cards, crypto, or wire transfers. Use the official portal path.
9) Where to send a credit dispute?
The company lists a specific address for credit-report disputes. Use the address printed on your notice or statement and keep copies of what you send.
10) What if I need help?
If the account is unclear or the contact feels excessive, speak with a consumer rights attorney to organize your documents and respond safely.
Conclusion
Verify the Service Finance Company LLC account in writing before you pay, use official contact channels, and keep proof of every interaction. If contact feels excessive or confusing, documenting it and moving communication into writing puts you back in control today and keeps your file organized.
