Getting calls from Action Financial Services that won’t stop? Are they threatening you, calling your family, or demanding money without proof? This kind of treatment isn’t just annoying; it might be illegal.
The Fair Debt Collection Practices Act (FDCPA) sets clear rules about what debt collectors can and can’t do. If Action Financial Services breaks these rules, you can fight back and possibly get paid up to $1,000 for their violations.
This guide explains who Action Financial Services is, what they’re doing wrong, and exactly how to make them stop. You don’t need to handle this alone. Call The Wood Law Firm at +1-844-638-1122 for free help right now.
Who Action Financial Services Really Is
Action Financial Services (AFS) is a debt collector based in Central Point, Oregon. Rebecca Dillon founded the company, and they work across multiple states, collecting various types of debt.
Basic facts:
- Address: PO Box 3250, Central Point, OR 97502
- Phone: 888-253-4239
- Multiple lawsuits filed against them
- Numerous Better Business Bureau complaints
- Known for aggressive collection methods
People searching for “Action Financial Services reviews” or “AFS scam” usually find the same complaints: constant calls, threats, and collection harassment. While they’re a real company, many of their tactics cross legal lines.
Just because a company is legitimate doesn’t mean they can harass you. If AFS has been pushing too hard, they might owe you money for breaking the law.
What the Law Says About Debt Collectors
The FDCPA gives you real protection. Debt collectors can’t do whatever they want to get money from you. Here’s what the law bans:
- Lying about how much you owe
- Using curse words or insults
- Threatening things they won’t actually do
- Calling you at work after you tell them to stop
- Telling your friends or family about your debt
- Calling before 8 AM or after 9 PM
These aren’t suggestions. They’re federal law. When Action Financial Services breaks these rules, you have grounds to sue them.
How to Spot Action Financial Services Harassment
Not sure if what you’re experiencing counts as harassment? Here are the warning signs:
They Call Constantly
If AFS rings your phone multiple times every day, that’s too much. The law protects you from being hounded. Even two or three calls daily can qualify as harassment if they’re trying to annoy you into paying.
They Make Threats
Does AFS say they’ll arrest you? Claim they’ll take your house? Threaten to ruin your credit? Most of these threats are empty and illegal. They can’t arrest you for debt, and they need a court order to take your property.
They Contact Other People
Has AFS called your mom? Your boss? Your neighbors? Unless they’re just trying to find your contact information, this violates your privacy rights. Discussing your debt with third parties is against the law.
They Won’t Prove the Debt
When you ask for proof that you owe the money, do they ignore you? Refuse to send documents? Keep demanding payment anyway? The FDCPA says they must validate the debt when you ask.
They Use Abusive Language
Any collector who curses at you, calls you names, or uses threatening language is breaking federal law. Professional behavior isn’t optional for debt collectors.
They Try to Collect Too Much
Sometimes AFS adds extra fees or interest that you don’t really owe. Demanding more money than the actual debt violates consumer protection laws.
Action Financial Services Court Problems
AFS has been sued many times for breaking debt collection laws. These cases show a pattern of problems:
- Crawford v. Action Financial Services – Claims of unlawful collection practices
- Hao Wu v. Action Financial Services – Allegations of harassment and refusing to validate debt
- Neldner v. Action Financial Services – Complaints about fake threats and excessive calling
Regular people have taken AFS to court and won. If they’re harassing you the same way, you could win too. The Wood Law Firm knows how to beat companies like this.
Can Action Financial Services Garnish Your Pay or Sue You
Let’s be clear about what AFS can actually do:
Taking Your Wages
For most debts, they need a court judgment before touching your paycheck. Federal student loans are different – those can be garnished without going to court first. But for credit cards, medical bills, and personal loans, they must sue you and win first.
Filing Lawsuits
Yes, they can sue you if the debt is still within your state’s time limit (statute of limitations). Once that time passes, they lose the right to sue. However, they might still try to collect, hoping you don’t know your rights.
Hurting Your Credit
Unpaid debts can be reported to credit bureaus and stay on your report for seven years. This affects your ability to get loans, credit cards, or even rent an apartment.
Here’s the important part: even if they have the legal right to do these things, they still must follow the FDCPA while collecting. Harassment is never legal, no matter what you owe.
What to Do Right Now
If Action Financial Services is harassing you, take these steps immediately:
Write Everything Down
Keep detailed notes of every contact:
- Date and time of each call
- What they said, word-for-word if possible
- Any threats they made
- Who did they contact besides you
Save voicemails, texts, and emails. This evidence builds your case.
Demand Proof of the Debt
Send Action Financial Services a written debt validation request. They must prove:
- The original debt exists
- You’re the one who owes it
- They have authority to collect it
Until they provide this proof, they should stop collection activities.
Tell Them to Stop Contacting You
You can send a cease and desist letter telling AFS to stop calling. Once they receive it, they can only contact you to confirm they’re stopping or to inform you about specific legal action.
Send this letter by certified mail so you have proof they got it.
Don’t Give Them Information
Never provide your bank account number, social security number, or other sensitive details over the phone. Legitimate collectors already have this information. Scammers want it to steal from you.
Get Legal Help
Call The Wood Law Firm at +1-844-638-1122. We’ll handle AFS for you, stop the harassment, and potentially get you compensation for what they’ve done. You pay nothing unless we win.
Fighting Back Against Action Financial Services
You have multiple options for taking action:
Sue Them
If AFS violated the FDCPA, you can sue and possibly win:
- Up to $1,000 in statutory damages
- Actual damages for stress and harm
- Your attorney fees (they pay, not you)
- Stop all harassment
The Wood Law Firm handles these cases on contingency. We only get paid if you win, so there’s zero financial risk to you.
Report Them
File complaints with:
- Consumer Financial Protection Bureau – Go to consumerfinance.gov
- Federal Trade Commission – Report through their website
- Oregon Attorney General – Contact their consumer protection division
These agencies track bad actors and can investigate AFS. Your complaint might help other people too.
Block Their Numbers
Most phones let you block specific numbers. While this doesn’t solve the legal issue, it gives you immediate relief from constant calls.
How Our Law Firm Stops Collection Abuse
The Wood Law Firm has been fighting abusive debt collectors since 2010. We focus entirely on consumer protection, so we know the FDCPA inside out.
When you hire us:
- We talk to AFS for you – Once they know you have a lawyer, they must contact us instead of you. The harassment typically stops immediately.
- We investigate their violations – We review all your documentation and identify every law they broke.
- We build your case – Using evidence you provide and our legal expertise, we create a strong lawsuit against AFS.
- We fight for compensation – We pursue the maximum damages for what they put you through.
- You pay nothing upfront – We work on contingency. No win means no fee.
We have relationships with experienced attorneys in Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and West Virginia. Wherever you are, we can help.
Meet Our Lead Attorney
Jeff Wood has practiced consumer protection law for over 15 years. He built The Wood Law Firm specifically to help people fight back against companies that break the rules. Jeff has handled hundreds of FDCPA cases and recovered significant compensation for clients dealing with collectors like Action Financial Services.
His approach combines aggressive legal action with genuine care for clients who’ve been mistreated.
What Clients Say About Us
“Action Financial Services called me at work constantly. The Wood Law Firm got them to stop within 48 hours and won me $1,000 plus damages. Best decision I made.”
“I didn’t realize what they were doing was illegal until I called The Wood Law Firm. They explained everything clearly and fought hard for me. Got compensation and peace of mind.”
“Professional service from start to finish. The Wood Law Firm handled AFS while I focused on my life. Highly recommend if you’re dealing with harassing debt collectors.”
Common Questions About Action Financial Services
1. Will a cease and desist letter really stop Action Financial Services
Yes, it usually works. Once AFS gets your written request to stop contacting you, federal law requires them to comply. They can only reach out to confirm they’re stopping or to notify you of specific legal action. The Wood Law Firm can help you send this letter properly. Call +1-844-638-1122.
2. What if Action Financial Services keeps calling after I tell them to stop
That’s a clear FDCPA violation. Document every call after you send your cease and desist letter. This strengthens your case significantly. Contact The Wood Law Firm immediately because continued contact after a stop request can increase your damages.
3. Does it cost money to sue Action Financial Services
Not upfront. The Wood Law Firm works on contingency, meaning we only get paid if you win. Plus, if we win, AFS pays your attorney fees. You risk nothing by pursuing your case.
4. How long do I have to take legal action
Generally, you have one year from when AFS violated the FDCPA to file a lawsuit. Don’t wait. Evidence gets lost, memories fade, and deadlines pass. Act quickly to protect your rights.
5. Can Action Financial Services call my workplace
Only in very limited situations. If you’ve told them not to call you at work, they must stop. Repeated calls to your employer likely violate federal law. The Wood Law Firm can help you take action if this has happened.
6. What if the debt Action Financial Services is collecting is not mine
Request written validation immediately. Don’t pay anything. Many people pay debts they don’t owe because collectors pressure them. AFS must prove the debt belongs to you. If they can’t, they must stop collection efforts.
7. Will suing Action Financial Services affect my credit score
No. Legal action against a debt collector doesn’t hurt your credit. Your credit report shows debts and payments, not lawsuits you file for harassment. Protecting your rights doesn’t damage your financial standing.
8. Can I record calls from Action Financial Services
This depends on your state. Some states allow recording with just your consent (one-party consent). Others require everyone on the call to know about recording (two-party consent). The Wood Law Firm can advise you on your state’s specific laws.
9. What happens if Action Financial Services sues me first
Respond to the lawsuit. Don’t ignore it. Even if you owe the debt, you can still defend yourself and potentially countersue for any FDCPA violations. The Wood Law Firm can defend you and file a counterclaim if appropriate.
10. How much could I win if Action Financial Services violated my rights
You may recover up to $1,000 in statutory damages per case, plus actual damages for emotional distress, lost wages, or other harm. You also get attorney fees and costs. The exact amount depends on the severity and frequency of violations. The Wood Law Firm can evaluate your potential recovery during a free consultation.
Stop the Harassment Today
You don’t have to live with constant calls, threats, and stress from Action Financial Services. Federal law protects you, and The Wood Law Firm knows how to use that law to stop collectors and get you compensated.
Every day you wait, they might violate your rights again. Every violation strengthens your case. Act now while the evidence is fresh and witnesses remember what happened.
Call The Wood Law Firm at +1-844-638-1122 for a free consultation. We’ll listen to your story, explain your options honestly, and help you decide the best path forward. The call costs nothing, and you’ll talk to someone who genuinely understands what you’re going through.
Don’t let Action Financial Services push you around anymore. Get experienced attorneys on your side and fight back.
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