Action Financial Services, LLC

Is Action Financial Services, LLC hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Action Financial Services, LLC?

Action Financial Services, LLC (AFS) is a debt collection agency headquartered in Medford, Oregon. They are primarily involved in the collection of federal student loan debt.

If AFS is listed on your credit report, it’s likely because you have defaulted on a federal student loan or other debt, and the U.S. Department of Education or another creditor has engaged AFS to recover the debt.

Who does Action Financial Services collect for?

Action Financial Services primarily collects on behalf of the U.S. Department of Education. They are tasked with recovering defaulted student loan debt.

AFS tries to help borrowers manage their student loan debts by facilitating their transfer into affordable repayment plans through the Federal Student Loan Rehabilitation Program, or by helping them consolidate their student loans through the Federal Direct Consolidation Program.

Is Action Financial Services legit or a scam?

Action Financial Services is a legitimate company. However, like many collection agencies, they may employ persistent communication tactics, such as frequent phone calls, texts, or emails, in their efforts to collect the debt. This does not make them a scam, but it can be stressful for the debtor.

How can I remove Action Financial Services from my credit report?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Action Financial Services, LLC (AFS) Contact Information


Action Financial Services, LLC
2055 Cardinal Ave
Medford, OR 97504

Mailing address:

Action Financial Services, LLC
PO Box 3250
Central Point, OR 97502

Phone number: (888) 253-4239

Should I contact or pay Action Financial Services?

It’s best to avoid speaking to a collection agency on the phone. However, when dealing with student loans, it’s best to work something out with your lender. Failure to pay student loan debt can ultimately result in a lawsuit and the possibility of having a judgment rendered against you, including wage garnishment.

The most effective way to deal with Action Financial Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Action Financial Services on behalf of their clients.

Will Action Financial Services sue me or garnish my wages?

As a debt collection agency, Action Financial Services is legally entitled to sue you for an unpaid debt. If they win the lawsuit and a judgement is obtained against you, they might be able to garnish your wages or take other actions to collect the debt, depending on the laws in your state.

However, bear in mind that the process of filing a lawsuit, winning a judgement, and proceeding with wage garnishment can be lengthy, complicated, and costly. Therefore, many debt collectors prefer to avoid this path if possible, and are typically open to negotiating a repayment plan or a settlement.

Action Financial Services, LLC Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Action Financial Services

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for Action Financial Services to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Action Financial Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Action Financial Services must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • Action Financial Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Action Financial Services From Your Credit Report Today!

Lexington Law can assist you in disputing Action Financial Services accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.