Constar Financial Services


Is Constar Financial Services hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

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?

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 Raise Your Credit Score?

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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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Constar Financial Services, LLC Contact Information


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 Credit reports can contain errors or list debts that are no longer valid.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 can help you dispute Constar 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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Meet the author

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.