Swift Funds Financial Debt Calls
Swift Funds Financial Debt Calls? Every year, the number of complaints the FCT receives about third-party debt collectors like Swift Funds seems to be on the increase.
A lot of effort is put into Swift Funds’ debt collection processes because they get a share from every recovered debt. This sometimes leads to them employing drastic means just to ensure that a debtor is pressured into paying what they owe. Collection agencies, including Swift Funds, often face scrutiny for their aggressive tactics.
Swift Funds provides collection services for various sectors, including credit card companies.
It is lawful for a debt collection company to contact you during Swift Funds’ debt collection and speak about your debt, but it is unlawful for them to bring any form of discomfort and fear to you. If a debt collection company is using cuss words to speak to you, threatening or harassing you, calling you at very odd hours, and calling your family and friends over and over again, that could be Swift Funds phone harassment, and they are violating your rights as a consumer. The Fair Debt Collections Practices Act (FDCPA) is crucial in protecting consumers from such harassment. Under the FDCPA, if your rights are violated, you are entitled to statutory damages up to $1000.00 plus Swift Funds is responsible for paying for your attorney fees. Additionally, the Telephone Consumer Protection Act (TCPA) protects consumers from robocalls, offering a means for financial redress if violations occur.
Understanding Swift Funds Financial Services
Swift Funds Financial Services is a reputable debt collection agency that operates on behalf of its clients to recover payments on overdue accounts. They specialize in collecting debts across various sectors, including healthcare, retail, and financial services. As a legitimate debt collection agency, Swift Funds Financial Services is required to adhere to the Fair Debt Collection Practices Act (FDCPA) and other consumer protection laws. This means they must follow fair debt collection practices, ensuring that they do not engage in harassment, threats, or any other unlawful activities while attempting to collect debts.
How Do Debt Collectors Get Your Number?
Debt collectors have the right to call you. It’s their job.
If you’re going through Swift Funds debt collection and you are wondering how they got your number, these are five possible ways.
- Your creditor
When selling the debt to swift funds collection agency, your creditor hands over your record too.
- Credit report.
Information about you which includes your phone number and address is on your credit report. Debt collectors have legal access to your credit report. So, your phone number is no hidden thing. However, credit reports can contain errors that negatively impact your credit score. It’s important to review your credit reports regularly and dispute any inaccuracies. There are services available to help consumers rectify their credit reports and protect their legal rights.
- People who know you.
A process called skip tracing to locate people who owe debts. Debt collectors can find out more about you from your family members and friends. They can as well get your phone number.
- The internet.
It’s the 21st century and there are businesses that collect and sell consumer information. Social networking sites or public records could have your phone number on them.
How do debt collectors violate consumer rights?
Common ways which debt collection agencies like swift funds collections violate consumer rights include:
- Calling you before 8 am and after 9 pm:
- Making threats to debtors: Debt collection agencies sometimes threaten consumers with jail terms, lawsuits, and even physical harm. This is a huge red flag you should address immediately.
- Sharing information about consumer debt:
- Calling a consumer’s workplace: After telling a debt collector that they are not allowed to call you at work.
- Harassing a consumer with phone calls: When a debt collection agency begins to make your phone ring many times a day, it is known as harassment and is a violation.
The above practices are unlawful. Call us on 877-700-5790 now to get immediate assistance.
Additionally, the Fair Credit Reporting Act (FCRA) protects consumers from inaccurate credit reporting and provides legal recourse against non-compliant credit reporting agencies.
Fair debt collection practices laws in Massachusetts
In addition to the above-stated FDCPA laws, in Massachusetts where our office is located, the Attorney General’s debt collection rules prohibit the following:
- If you orally tell Swift Financial LLC that you are not permitted to receive calls at work, then your request to not be contacted is valid for 10 days. After 10 days, you will need to send in a written application which will be valid until you say otherwise.
- Swift funds financial services calling you at home more than twice every seven days for each debt. If they are calling at your place of employment (if you have granted them permission to do so), then Swift funds financial cannot call you more than twice for each debt in any 30-day period.
- Swift funds cannot bypass your attorney and contact you directly even when they know that you are being represented by one, they are violating your rights.
- Swift Funds cannot call you at awkward hours of the day (such as extremely early or extremely late). The accepted time for calls is between the hours of 8:00 a.m. and 9:00 p.m. except when stated otherwise.
- Swift collection agency cannot lie to you or misleading you (this could be just to scare you into paying up quickly) in an attempt to collect a debt.
- Swift Funds cannot tell you that non-payment of your debt will lead to you being arrested, jailed, or punished in some way.
- Swift Funds cannot threaten to damage your credit score, as they are not authorized to report any false information.
- Swift Funds cannot threaten you with an action that cannot legally be taken, or one that they do not intend to take.
- If Swift collection knows that the statute of limitations on a debt has elapsed yet they still try to collect it by tricking you into making a payment, hence re-starting the clock, without giving you adequate information about the consequences of your actions, then they have violated debt collection laws.
- Using harassing, profane, and obscene language in their communication with you.
- Revealing sensitive information concerning your debt to an unauthorized third party (such as your friends, neighbors, or coworkers). Under debt collection laws, Swift funds can reveal information about the debt only to your spouse, parent (if you are a minor), or co-signor.
- Swift debt collection agency may not request, or rather, demand a postdated check.
- Making intrusive visits to your home at unusual hours to harass, intimidate, or publicly shame you.
If the harassing actions of Swift funds collection agency caused you to incur some damages, then you may be eligible to recover those damages up to $1000, plus Swift Funds is responsible for paying your attorney fees.
Who are Swift Funds Financial?
Swift Funds Financial is a third-party debt collector located in Palos Verdes Peninsula, California.
Contact Information
Address: PO Box 2397 Palos Verdes Peninsula, CA 90274-8397 Phone: (888) 479-4384
Is Swift Funds Financial a scam?
According to the Better Business Bureau website, Swift Funds Financial has been in business since 2009. There have been 148 complaints filed against Swift Funds Financial. Read more about it here: Swift Funds Financial Better Business Bureau
Swift Funds Financial Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
888-479-4384, 619-730-0007, 703-260-1433, 888-479-4384, 917-746-6214, 619-365-4150, 888-479-4384,
If so, you may be a victim of Swift Funds Financial debt collection harassment. Call us at 877-700-5790 now to get immediate assistance.
Credit Report Concerns
If you have a past-due account with Swift Funds Financial Services, it may appear on your credit report, potentially impacting your credit score. This can make it more challenging to obtain credit or loans in the future. It’s crucial to regularly review your credit report to ensure all information is accurate and up-to-date. If you find any errors or inaccuracies related to Swift Funds Financial Services, you have the right to dispute them with the credit bureau and request their removal. Keeping your credit report clean and accurate is essential for maintaining a healthy financial profile.
Can Swift Funds Sue or Garnish my Wages?
If you have a delinquent account with Swift Funds Financial Services and fail to make repayment arrangements, the agency may resort to legal action to collect the debt. This can include filing a lawsuit or garnishing your wages. However, Swift Funds Financial Services must follow proper legal procedures and obtain a court judgment before taking such actions. If you are facing debt collector harassment or threats of legal action, it is crucial to seek legal assistance. An attorney can help you understand your rights and navigate the legal process to protect your interests.
Removing Swift Funds from Your Credit Report
To remove Swift Funds Financial Services from your credit report, follow these steps:
- Obtain a copy of your credit report from the three major credit bureaus (Equifax, Experian, and TransUnion) and review it for any errors or inaccuracies related to Swift Funds Financial Services.
- Dispute any errors or inaccuracies with the credit bureau and request their removal.
- If the debt is valid, negotiate a payment plan with Swift Funds Financial Services, ensuring the terms are reasonable and fair.
- Follow up with the credit bureau to confirm that the information has been updated and the account has been removed from your credit report.
By taking these steps, you can work towards improving your credit score and ensuring your credit report accurately reflects your financial situation.
Taking Action Against Swift Funds
If you are experiencing debt collector harassment or abuse from Swift Funds Financial Services, you can take action to protect your rights. Here are some steps you can take:
- Document all communication with Swift Funds Financial Services, including dates, times, and the content of conversations.
- File a complaint with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), or your state’s attorney general.
- Seek legal assistance from a consumer protection attorney who can help you navigate the process and protect your rights.
- Consider sending a cease and desist letter to Swift Funds Financial Services, demanding that they stop contacting you.
Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA) and other consumer protection laws. Don’t hesitate to seek help if you are facing debt collector harassment or abuse. Taking these steps can help you regain control and ensure that your rights are respected.
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. 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 Swift Funds Financial. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
Call us at for immediate assistance.
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