Have questions? Call us now at 844-685-9200 for a Free Case Evaluation.
Our services are absolutely FREE to you.
The harassing company pays our fees.
Empereon Constar Financial Services, LLC (ECFS) is a multi-service Accounts Receivable Management (ARM) company that also offers first- and third-party collection services. ECFS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including misrepresentation and threatening to take actions that cannot legally be taken. If you have been contacted by ECFS,make sure you understand your rights before responding.
According to its website, Constar Financial Services “is a leading business process outsourcing company providing end-to-end customer engagement and customer management solutions through two distinct, but affiliated, privately held entities—Empereon Marketing, LLC and Constar Financial Services, LLC.”
According to the Better Business Bureau (BBB), Constar Financial Services, LLC is a legitimate collection agency founded and incorporated in Colorado in 1997 and started locally in Phoenix, AZ in 2004. The BBB established its profile page in 2006. Empereon Constar Financial Services is listed as a telemarketing service that uses the alternate business names, Empereon Marketing, LLC and Constar Collections. Buzzfile estimates the annual revenue for ECFS’ parent company, Empereon Marketing, LLC, at $50 million and the size of its headquarters staff at 159 employees, with a total estimate of 575 employees across all locations.
ECFS “provides end-to-end customer interaction solutions across the whole spectrum of credit, risk, customer care, consumer service, and accounts receivable management for global industry partners.” Their clients include companies offering services in auto finance, banking, consumer finance, credit management, cable, entertainment media, energy, e-commerce, global payment processing, government, internet, retail, satellite broadband, student loans, telecommunications, and utilities.
Empereon Constar Financial Services provides its clients with professional services “across multi channel (email, chat, phone) communication platforms.” In addition to first- and third-party collections, their call centers also provide outsourced customer service; fraud detection; customer retention; back office administration; and redemption and reinstatement services.
Empereon Constar Financial Services cites a compliance policy that “encompasses a broad range of leading compliance solutions implemented to meet the demands of regulatory oversight, consumer expectations, client requirements, and CFPB overview, including … in-depth training, a continuous process improvement program, security measures, regular internal audits, annual third-party audits, SSAE 16 certification, moving to SSAE 18 certification, SOC II, and PCI DSS compliance.” However, the Empereon Constar Financial Services website does not provide
As of December 2017, the Better Business Bureau (BBB) has closed 17 complaints against Empereon Constar Financial Services in the preceding 3 years, with 4 closed in the past 12 months.Most of those complaints allege problems with billing and collections. As of April 2015, the Consumer Financial Protection Bureau (CFPB) has received 13 complaints about ECFS. Justia lists at least 7 cases of civil litigation involving either Constar Financial Services, LLC or Empereon Marketing, LLC.
Empereon Constar Financial Services, LLC
10400 N. 25th Ave., Ste. 100
Phoenix, AZ 85021
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely Constar would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Click 844-685-9200 ☎ NOW to call us or go ahead and fill out our Contact Form. Our services are absolutely FREE to you
Absolutely. Here are some Sample Cases filed in federal court
Complaints against Empereon Constar Financial Services commonly cite problems resulting from disagreements about payment arrangements and billing documentation. In December 2016, a complainant indicated that she had been notified by ECFS that they had assumed management of her student loans. Because she was a full-time student at the time she was notified, she contacted ECFS and requested a deferment, but ECFS indicated they could not accommodate her request. She requested a “reasonable monthly payment plan to… which an amount was agreed on,” but when she asked for “written verification of the new monthly payment plan,” Empereon Constar Financial Services representatives allegedly denied her request, insisting that she “had to first pay them or provide them with her bank account information in order to get written verification of the payment plan.” ECFS representatives indicated that this requirement was the result of “an internal decision and that no further explanation would be provided.” The complainant indicated that she had “satisfied the monthly payment amount as verbally agreed to but ECFS continues to report negatively on her credit report and still refuses to produce…written verification of the monthly payment plan…despite emailed complaints to management.”
In response, Empereon Constar Financial Services apologized for the “lack of response to her earlier inquiries.” They indicated that a “letter confirming her payment arrangement has been sent to her…and that…any request for a payment… deferment of any type needs to be addressed to Navient the original creditor directly.” In a rebuttal to this reply, the complainant indicated that she had not received the written notification of the payment arrangement and that she would not accept their response as a resolution until she had an agreement in writing. ECFS replied again, insisting that they had mailed the notification, but that they would re-send the agreement if she could provide them with a fax number or email address. They described the written agreement as a letter outlining a “a 24-month payment plan, and that once the payment plan is completed Empereon Constar Financial Services will provide a current payment letter for the next 24 months.”The complainant did not provide any further reply.
Understanding Your Debt Collection Rights
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200.
What Our Clients are Saying
“We realize that ours is just one small case among many – and many more serious – but are heartened by the fact that you accepted it and represented us with a professionalism that belied the small dollar amount.”
“If you are unsure about this company…DONT BE!!! They are for real when they say they are here to help you. It only takes a few short minutes of your time to talk to a rep. I was a skeptic, but you did everything you said you would! I can’t say thank you enough!”
”Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”
“I won’t be afraid to contact you or recommend your services to others for debt collection difficulties. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. I am most grateful.”
We can absolutely help. Call us today.
Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.