Are you being called By LCS Financial Services Corporation? Learn how to protect your rights!
Are you behind on your monthly debt payments? If so, you may eventually be contacted by a debt collector who is either acting on behalf of your creditor or has bought the debt after the creditor charged it off.
While many collectors are civil and professional with indebted consumers, others can harass you so ruthlessly that it’s easy to forget how illegal their actions are.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, regulates what third party debt collectors may say and do while trying to collect a consumer debt. Activities like those below can cause an agency to be fined or lose its license.
- Swearing and calling you names
- Calling at all hours of the day and night
- Claiming that you have committed a crime and threatening to call the police on you if you don’t pay
- Calling you at work after you tell them that you can’t take personal calls there
- Leaving vague messages that do not identify the caller as a debt collector
- Threatening to ruin your credit if you don’t pay
Company Profile: LCS Financial Services Corporation
If you are being called by LCS Financial Services Corporation, information about the company is below.
LCS Financial Services Corporation is a collection agency located in Englewood, Colorado. It was established in 2005, has 51-200 employees, and is managed by its President and CEO, Leo C. Stawiarski. Records archived at the PACER (Public Access to Court Electronic Records) website, several consumers who believed they were being harassed by LCS Financial Services Corporation opted to face the agency in court.
Alleged Violations By LCS Financial Services Corporation
Julie Cykiert vs. LCS Financial Services Corporation**
According to Pacer,On or about July 1, 2011, Ms. Cykiert received a letter from IndyMac Mortgage Services stating her line of credit is now two payments past due.
On or about November 18, 2011, a collector allegedly called her ex-husband (she had been divorced from him for about 15 years) and left a message stating the company name and the fact that they were a debt collector attempting to collect a debt from her. Both her ex-husband and son heard this message.
Feeling harassed by LCS Financial Services Corporation, Ms. Cykiert hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using oppressive, abusive and harassing techniques to collect the debt
- Revealing details of her debt to uninvolved third parties
The matter was later dismissed.
Hire an Attorney
The phone number for this collection agency is 1-888-864-0363. If it appears on your caller ID in response to an incoming call, it means that LCS Financial Services Corporation may be calling you. If they reveal details of your debt to uninvolved third parties, hire a consumer attorney.
If you decide to file a claim against LCS Financial Services Corporation, you could potentially be awarded $1,000 per violation as well as attorney's fees, court costs, and any actual damages. The law grants you rights that debt collectors ignore at their own risk.
**Case taken from PACER (www.pacer.gov). File number is Case 2:11-cv-15392-DPH-MJH from the United States District Court for the Eastern District of Michigan.
*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 LCS Financial Services Corporation, or any other third-party collection agency, you may not be entitled to any compensation.