Who is Constar Financial Services?
Constar Financial Services, LLC, also known under the names Empereon-Constar and Empereon Marketing, LLC, is a debt collection agency based in Phoenix, Arizona.
If you see their name listed on your credit report under collections, this is typically because you have an outstanding bill that hasn’t been paid.
Who does Constar Financial Services collect for?
Constar Financial Services primarily specializes in collecting debt for financial institutions. These include auto lenders and student loan lenders, working on their behalf to recover funds from borrowers who haven’t repaid their loans.
Is Constar Financial Services legit or a scam?
Constar Financial Services is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Constar Financial Services from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Constar Financial Services, LLC Contact Information
Address:
Constar Financial Services, LLC
10400 N 25th Ave Ste 100
Phoenix, AZ 85021
Phone number: (602) 889-3655
Should I contact or pay Constar 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 Credit reports can contain errors or list debts that are no longer valid.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 Constar Financial Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Constar Financial Services on behalf of their clients.
Will Constar Financial Services sue me or garnish my wages?
While Constar Financial Services has the legal right to sue you for the unpaid debt, whether they will or not depends on many factors. These factors can include the amount of debt, your state’s statute of limitations, and the company’s individual policies. If the company does decide to sue and the court rules in their favor, they may have the right to garnish your wages.
Constar Financial Services, LLC 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 Constar Financial Services, LLC
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 Constar Financial Services, LLC 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.
- Constar Financial Services, LLC cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Constar Financial Services, LLC 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.
- Constar Financial Services, LLC cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Constar Financial Services From Your Credit Report Today!
Credit Saint offers assistance with disputing Constar Financial Services collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
