Is Client Financial Services Hurting Your Credit?

Updated

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Who is Client Financial Services of Michigan?

Client Financial Services of Michigan, LLC is a professional debt collection agency based in Fenton, Michigan. Their work revolves around recovering unpaid debts on behalf of their clients.

If this agency’s name appears on your credit report, it’s typically because they have received a debt associated with your name from an original creditor. This usually occurs when you have an outstanding bill or financial obligation that hasn’t been paid in a timely manner.

Who does Client Financial Services of Michigan collect for?

Client Financial Services of Michigan, LLC serves a range of clients across multiple industries. They primarily collect debts on behalf of organizations in the education, financial services, healthcare, and property management sectors. This means they may be tasked with recovering unpaid student loans, medical bills, credit card debts, or rent arrears, among other things.

Is Client Financial Services of Michigan legit or a scam?

Client Financial Services of Michigan is a legitimate debt collection agency. However, their debt collection practices might involve frequent phone calls, text messages, or emails, which can be overwhelming and lead some to question their legitimacy.

How can I remove Client Financial Services of Michigan from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

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

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

Ready to Repair Your Credit?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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Client Financial Services of Michigan, LLC Contact Information

Address:

Client Financial Services of Michigan, LLC
209 S Alloy Dr.
Fenton, MI 48430

Phone number: (810) 232-1000 or (888) 899-8015

Should I contact or pay Client Financial Services?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

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

Will Client Financial Services of Michigan sue me or garnish my wages?

Client Financial Services of Michigan, LLC, as a debt collection agency, is legally entitled to initiate a lawsuit for outstanding debts. If the court rules in their favor, they might obtain a judgment that can lead to wage garnishment, bank account levy, or other measures depending on your state’s laws.

However, it’s crucial to understand that legal action is typically the last resort for debt collection agencies. Before it gets to this point, they generally make numerous attempts to contact you and settle the debt. You should receive several notifications about the outstanding debt and be given the opportunity to either pay it off or dispute it if you believe there’s an error.

Client Financial Services of Michigan Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Client Financial Services of Michigan

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Client Financial Services of Michigan 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Client Financial Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Client Financial Services must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Client Financial Services cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Client Financial Services From Your Credit Report Today!

Credit Saint can help you dispute Client Financial Services collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

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 or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.