Debt collection abuses are reaching an all-time high. Collection agencies are chasing consumers for debts that don’t belong to them, or for debts that are barred by statute, or for debts which were discharged in an earlier bankruptcy. It’s more important than ever for consumers to understand their rights.
Your Rights Under the FDCPA
While debt collectors are allowed to contact you and make arrangements for you to pay a debt, the Fair Debt Collection Practices Act (FDCPA) prohibits them from using aggressive and unethical actions like the following:
- Using foul language
- Trying to collect amounts that exceed the original debt
- Pretending to be police officers or federal agents
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m.
- Threatening legal action they cannot take
- Contacting you when you are represented by an attorney
Company Profile: Constar Financial Services, LLC
If you are being called by Constar Financial Services, LLC, additional information about the company can be viewed below.
Constar Financial Services, LLC, which also does business as Empereon Marketing, LLC, is a collection agency located in Phoenix, Arizona. It opened for business in 1997, has a small staff, and is managed by Travis Bowley.
A close review of civil litigation records at the PACER website indicates that consumers who believed they were being harassed by Constar Financial Services, LLC educated themselves on their rights and then acted on them.
Alleged Violations against Constar Financial Services, LLC
According to PACER, on or about November 3, 2016, a Wisconsin consumer received a collection letter from Constar Financial Services, LLC.
It included the text: “This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, wdfi.org. P.O. Box 7876, Madison, Wisconsin 53707.”
An investigation, however, did not yield any evidence that the company held a Wisconsin Collection Agency License.
Feeling harassed by Constar Financial Services, LLC, the consumer hired an attorney and sued the agency for using false, deceptive, and misleading means to collect a debt.
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for Constar Financial Services, LLC are:
Seeing them on your caller ID is confirmation that you are being called by Constar Financial Services, LLC. If they pursue you to pay a debt and don’t even have a collection license in your state, make an appointment to meet with a consumer lawyer.
If you file a claim against Constar Financial Services, LLC, you could receive $1,000 per FDCPA violation, so when a debt collector tries to bully money out of you, a court action could change their perspective.
Case taken from PACER (pacer.gov). File number is Case 2:16-cv-01525-WED from the United States District Court for the Eastern District of Wisconsin, Milwaukee Division.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Constar Financial Services, LLC or any other third-party collection agency, you may not be entitled to any compensation.