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Does Westlake Financial Services keep calling?
If you have a debt that you have acquired from a creditor and have fallen way behind on payments, the bill may have gone into collections. What this means is that the amount has either been sold or transferred to a debt collection agency and it is now their duty to contact you and try to get you to pay up. This is why you may currently be receiving calls from Westlake Financial Services, and it is a completely normal and ethical practice.
However, many bill collectors and debt collection agencies have spun out of control these days. They employ harassing, unethical, misleading and even sometimes threatening methods to collect a debt you owe to them. Fortunately, there is a federal law called the Fair Debt Collection Practices Act (“FDCPA”) enacted by the Federal Trade Commission to protect your rights, first as a human being and then as a consumer.
Under the FDCPA, there are many things that a debt collector is prohibited from doing when trying to collect a debt. This includes calling you at odd hours, showing up at your place of employment (especially when they have been told not to), publishing your name as a debt defaulted on social media or any other platform, informing unauthorized third-parties about your debt, and misrepresenting themselves as law enforcement officers.
Call us now on 844-791-1990 for further assistance.
About Westlake Financial Services
Westlake Financial Services is a technology-based, privately-held finance company that specializes in the acquisition and servicing of prime to subprime automotive retail installment contracts.
Contact Information
4751 Wilshire Blvd STE 100,
Los Angeles, CA 90010-3847
USA.
Website: http://www.westlakefinancial.com
Phone: +1-888-739-9192
How do I identify a legitimate debt collector?
The Federal Trade Commission (FTC) compiled 2.7 million complaints recently and debt collection scams top the category. The Federal Trade Commission says debt collection scams have in recent months become smarter. They claim to be lawyers and make use of real or similar names of existing collection agencies. It is thus important to contact the agency that the caller claims to be from and request a written verification of the debt that the caller claims that you owe. It does require some level of shrewdness to spot debt collection scams.
Additionally, consider the method of collection employed by the supposed debt collector. Usually, legitimate debt collectors don’t request immediate payment or complete payment using an untraceable method. They are usually willing to work hand-in-hand with you to figure out a suitable repayment plan.
Legitimate debt collectors know the law, thus they often do not threaten to arrest or jail you for non-payment. Such acts indicate that the bill collector might be fake. Hang up and reach out to the agency through their official portal to confirm if any debt collection procedures were initiated against you.
When do I need to hire a Lawyer?
If a debt collector continuously threatens, harasses and traumatizes you, it may be in your best interest to involve an attorney.
“Discussing what is going on financially with an attorney can give people all the information they need to make sound financial decisions once the calls and letters start,” explains Marie Martin, an attorney who specializes in representing consumers in cases of debt collection harassment.
Additionally, the Fair Debt Collection Practices authorizes you to sue the debt collector for employing deceptive practices and abusive words in a bid to collect from you. This is a direct violation of your FDCPA rights, and it may fetch you monetary compensation in the court of law. Remember that you have rights under the Fair Debt Collection Practices Act, and those rights prohibit debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Call an A+ accredited lawyer now on 844-791-1990.
Can I consider filing for Bankruptcy as an Alternative Option?
If you find it extremely difficult to meet up with the monthly payments on your debt, you might consider filing for personal bankruptcy.
When you file for bankruptcy, you immediately get an Automatic Stay immediately to go into effect on your behalf. This injunction halts all collection activities (with a few exceptions) during the pendency of the case. If a bankruptcy receives a successful discharge, all dischargeable debts included in it will remain uncollectible forever.
Although this may seem like an appealing option, filing for bankruptcy may have devastating effects on your credit score and the overall quality of your life. This is why most credit counsellors advise that you resort to filing for bankruptcy only in the direst of situations.
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About this site (Telephone Harassment)
Here at Telephone Harassment, we are all about informing consumers about their rights regarding harassment from debt collectors, collection law firms and Original lenders. Read more about us here.
Call us now on 844-791-1990
Westlake Financial Services may be contacting you from the following numbers:
888-893-7937
866-619-2524
866-619-2521
Westlake Financial Services BBB Information
Consumer Rights Law Firm Center BBB information
BBB Rating: A+
https://www.bbb.org/us/ma/north-andover/profile/lawyers/consumer-rights-law-firm-0021-124253
