Delta Financial Services


Is Delta Financial Services hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Delta Financial Services?

Delta Financial Services is a debt collection agency based in Lafayette, Louisiana. Their primary role is to manage the recovery of outstanding debts.

If Delta Financial Services appears on your credit report as a collections account, it generally indicates an unpaid bill that has been passed to them for collection. This is a common occurrence when a debtor fails to settle a bill on time.

Who does Delta Financial Services collect for?

Delta Financial Services specializes in recovering past due debts on behalf of original creditors. These creditors can range across various industries, which may include utilities, healthcare, credit card companies, or retail businesses, among others.

Is Delta Financial Services legit or a scam?

Delta 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 Delta 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.

Delta Financial Services Contact Information


Delta Financial Services
1442 S College Rd
Lafayette, LA 70503

Delta Financial Services
615 S College Rd Suite 163
Lafayette, LA 70503

Phone number: (337) 269-5100

Should I contact or pay Delta Financial Services?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

Will Delta Financial Services sue me or garnish my wages?

While it’s technically possible for Delta Financial Services to initiate legal action as a means to collect outstanding debts, it’s important to note that this is typically seen as a last resort. The process of taking a debtor to court can be costly and time-consuming.

Usually, the agency would attempt to collect the debt through more conventional methods first, such as phone calls, mailed notices, and negotiation of payment plans. If these efforts do not yield results and they for a lawsuit and win the case, they may be able to garnish your wages or levy your bank account, but this is contingent upon the laws of your state.

Delta Financial Services 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 Delta Financial Services

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 Delta Financial Services 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.
  • Delta Financial Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Delta 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.
  • Delta Financial Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Delta Financial Services From Your Credit Report Today!

Credit Saint can assist you in disputing Delta 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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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.