Transfinancial Companies Debt Collection Harassment❓
Transfinancial Companies Debt Collection Harassment does not have to stress you out. Does your phone ring every day, several times per day? Has Transfinancial Companies threatened you with legal action? Finally, do you wish there was a way to make the calls stop? You came to the right place. The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.
Introduction to Debt Collection
Debt collection is a process where a third-party agency, such as Transfinancial, attempts to recover unpaid debts on behalf of the original creditor. This can occur when an individual or business fails to pay their debts, and the creditor assigns or sells the debt to a collection agency. To access your account online and manage your debt, you can go to the URL above or click on the link in the top left corner to get started. Keep your account number handy, as you will need it to log in and view your account information. If you have lost your account number, you can contact Transfinancial at the numbers listed above, and one of their friendly agents will be happy to assist you in getting your account resolved.
Is Transfinancial Companies a Scam?
According to the Better Business Bureau website, Transfinancial Companies has been in business since 1992. There have been 21 complaints closed in the last 3 years and 5 complaints closed out in the last 12 months.
What is Transfinancial Companies?
Transfinancial Companies is a credit recovery and management systems company.
🏛️ Transfinancial Companies Address: 7922 Picardy Avenue Baton Rouge, LA 70809-3535
📞 Phone: (225) 767-5055
📠 Fax: (225) 766-4128 (800) 611-7508
For any account-related inquiries, you can call at the numbers listed or reach us at the email listed for prompt assistance.
Transfinancial Companies Phone Harassment Examples
If Transfinancial Companies 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
Transfinancial Companies Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📲 (225) 767-9055
- 📲 (225) 767-5055
If the answer is yes, then you are receiving calls from a known Transfinancial Companies number. You may be a victim of Transfinancial Companies phone harassment. The list above is not all the numbers that Transfinancial Companies uses. The calls can be from different numbers and it still be Transfinancial Companies calling you. Contact our office right away so we can start the process to stop Transfinancial Companies from calling you illegally. Above all, no one should live with harassment!
Transfinancial Companies Complaints
The following is a sample list of complaints filed against Transfinancial Companies and can be found on Pacer.gov.
- 📋 3:19-cv-02889-N Franks v.
- 📋 6:19-cv-00144-JCB Williams v.
- 📋 1:18-cv-02585-JRS-DLP AKINS v.
- 📋 4:16-cv-03669 Whitsitt v.
- 📋 3:11-cv-00547-SDD-RLB Douglas v.
Transfinancial Credit Report Implications
A debt collection account on your credit report can have significant implications for your credit score. When a collection agency like Transfinancial reports a debt to the credit bureaus, it can negatively impact your credit score and make it more difficult to obtain credit in the future. To minimize the damage, it’s essential to address the debt as soon as possible. You can start by contacting Transfinancial via email or phone to discuss your account and determine the best course of action. If you’re unsure about how to proceed, you can also seek the help of a credit repair professional who can guide you through the process and help you remove any errors or inaccuracies from your credit report.
Lawsuits and Wage Garnishment
In some cases, a debt collection agency like Transfinancial may threaten to sue or garnish your wages if you fail to pay the debt. However, it’s essential to understand your rights and the laws that govern debt collection. The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) provide protections for consumers and limit the actions that debt collectors can take. If you’re facing a lawsuit or wage garnishment, it’s crucial to seek the help of a qualified attorney or credit repair professional who can help you navigate the situation and protect your rights. You can also contact Transfinancial at their address listed above, which is PO Box 80103, Baton Rouge, Louisiana 70898, or visit their website at www.transfinancialco.com to learn more about their debt collection practices.
Impact on Credit Score
A debt collection account can significantly impact your credit score, making it more challenging to obtain credit or loans in the future. When a collection agency reports a debt to the credit bureaus, it can remain on your credit report for up to seven years, even if you pay the debt. To minimize the damage, it’s essential to address the debt as soon as possible and work with a credit repair professional to remove any errors or inaccuracies from your credit report. You can also take steps to improve your credit score by making on-time payments, keeping credit utilization low, and monitoring your credit report regularly.
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 Transfinancial Companies 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 Transfinancial Companies , call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 “Transfinancial Companies called me 10+ times a day, even after I told them to stop. I hired Consumer Rights Law Firm PLLC, and they proved the collectors violated the FDCPA. Not only did the harassment end, but I got a $3,500 settlement! These lawyers are PITBULLS for your rights!”
- 🏆 “Transfinancial kept demanding payment for a debt I didn’t owe. The firm sent a debt validation letter, and when Transfinancial couldn’t prove it, they sued them for harassment. I got $2,000 plus an apology letter. Never ignore collection calls—FIGHT BACK!”
- 🏆 “Transfinancial threatened to garnish my wages and called my boss repeatedly. Consumer Rights Law Firm PLLC filed an emergency injunction and negotiated a full dismissal of the debt PLUS $1,200 in damages. If you’re being bullied, CALL THEM NOW.”
FAQs
Who is Transfinancial Companies and why are they calling me?
Transfinancial Companies (TCI) is a legitimate third-party debt collection agency based in Louisiana, founded in the early 1990s. They contact individuals about past-due debts they’ve been assigned or purchased.
Is Transfinancial Companies a scam?
No, it is a real and operational debt collector recognized by the BBB since 1992, though it has received complaints alleging misleading or harassing collection practices.
What constitutes harassment by Transfinancial Companies?
Harassment can include repeated calls, calling before 8 a.m. or after 9 p.m., using profanity, threatening illegal action, or contacting third parties about your debt—all prohibited under the FDCPA.
Can Transfinancial Companies call my family, friends, or coworkers?
No. Debt collectors cannot discuss your debt with anyone except you, your spouse, or your attorney. Contacting others about your debt is a violation of federal law.
What should I do if Transfinancial Companies keeps calling me?
Document each call and send a written cease-and-desist letter via certified mail. If they continue, you may file a complaint with the CFPB or your state Attorney General and consider legal help.
Can I dispute the debt they’re trying to collect?
Yes. Under the FDCPA, you can request written validation within 30 days of first contact. If they can’t verify, they must stop collection efforts until they do.
Can Transfinancial Companies report or affect my credit score?
Yes. They can report debts to credit bureaus, which may lower your credit score. You can dispute inaccurate entries under the Fair Credit Reporting Act.
Is it a good idea to ignore Transfinancial Companies?
No. Ignoring them may lead to further damage to your credit, potential lawsuits, or wage garnishment. It’s better to respond by validating or negotiating the debt.
Can I sue Transfinancial Companies for violating collection laws?
Yes. If they violate the FDCPA—by harassing you, misrepresenting the debt, or using abusive practices—you can sue and recover up to $1,000 in statutory damages plus actual damages and attorney fees.
Are robocalls or spoofed numbers illegal in debt collection?
Yes. If they use automated calls or spoof caller ID without your consent, it may also violate the TCPA. You can challenge these tactics and potentially get damages.