Constar Financial Services

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Is Constar Financial Services hurting your credit score?

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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 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.

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?

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 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

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 Constar Financial Services, LLC

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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Constar Financial Services, LLC may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Constar Financial Services, LLC 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.
  • Constar Financial Services, LLC cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Constar Financial Services From Your Credit Report Today!

Credit Saint can assist you in disputing Constar 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.

They have helped many people in your situation. Fill out the form on their website or give them a call at (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.