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 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?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Professional credit repair services work with people who want to get their credit back on track.
In addition to collections, they can help 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.
Client Financial Services of Michigan, LLC Contact Information
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?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
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
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 Client Financial Services of Michigan
Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Client Financial Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Client 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.
- Client Financial Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Client Financial Services From Your Credit Report Today!
Credit Saint can assist you in disputing Client Financial Services collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
Here’s a list of some of the nation’s most popular debt collectors that cause damage to your credit.
- 11 Charter Communications
- Aargon Agency, Inc.
- Ad Astra Recovery Services
- Afni Collections
- Account Resolution Services
- Capio Partners
- Cavalry Portfolio Services
- Cavalry SPV I LLC
- CBE Group
- CCS Offices
- Commonwealth Financial Systems
- Convergent Outsourcing
- Credence Resource Management
- Credit Collection Services
- Dynamic Recovery Solutions
- Enhanced Recovery Company
- EOS CCA
- GC Services
- Global Credit and Collection Corp
- Harris & Harris
- Healthcare Revenue Recovery Group
- Hunter Warfield
- IC System
- IQ Data International
- Jefferson Capital Systems
- LVNV Funding LLC
- McCarthy, Burgess & Wolff
- Midland Credit Management
- MiraMed Revenue Group
- MRS Associates
- MRS BPO LLC
- National Credit Systems
- Nationwide Recovery Service
- Northland Group
- Phoenix Financial Services
- PMAB LLC
- Portfolio Recovery Associates
- Reliant Capital Solutions
- Revenue Group
- Southwest Credit Systems
- Sprint Collections
- Transworld Systems
- USCB America
- Verizon Collections
- Wakefield and Associates
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.