Are you receiving persistent and unwanted calls from Sequoia Financial Services? Do they contact you multiple times a day or use threatening language? Suppose you’ve experienced tactics like wage garnishment threats, late-night calls, or disclosing your debt to others. You should know that these practices likely violate the Fair Debt Collection Practices Act (FDCPA). The good news is you can take immediate action to stop such harassment.
Under federal law, if a debt collector like Sequoia Financial Services violates your rights, you could receive up to $1,000 in statutory damage. The law also ensures you won’t bear attorney fees, as the offending party may cover those costs. Let The Wood Law Firm guide you in holding them accountable.
Who is Sequoia Financial Services?
Sequoia Financial Services, often abbreviated as SFS, is a third-party debt collection agency based in Agoura Hills, California. Although this agency has been in business for over 26 years, it has garnered a significant number of complaints. On record, Sequoia Financial Services complaints include allegations of harassment, illegal communication tactics, and failure to respect consumers’ rights.
Their primary address and contact information are as follows:
28632 Roadside Dr, STE 110, Agoura Hills, CA 91301
Phone: (818) 409-6000
Consumers frequently search for this agency using other names, such as:
- Sequoia collections
- Sequoia Financial Services Glendale
- Seq Fin Svcs
Despite their official standing, their conduct has led to multiple lawsuits for violating FDCPA guidelines.
Also read: Action Financial Services Debt Collection Harassment
How to Identify Sequoia Financial Services Phone Harassment
If you receive calls from any of the following numbers, it could indicate Sequoia Financial Services phone harassment:
- 818-409-6000
- 888-544-9711
The agency may use additional numbers, but the harassment remains illegal regardless of the number they use. Abusive practices to watch for include:
- Frequent calls, often outside of allowed hours (8:00 a.m. to 9:00 p.m.)
- Threatening lawsuits or credit damage
- Discussing your debt with third parties, including coworkers and neighbors
- Using obscene or profane language during calls
If any of these occur, seek assistance immediately.
Is Sequoia Financial Services a Scam?
No, Sequoia Financial Services is not a scam. However, its aggressive and questionable collection practices can make it feel like one. According to the Better Business Bureau (BBB), it has a mixed reputation and numerous complaints. These issues often center on harassment and improper debt collection methods.
Consumers must understand that although this company can legally collect debts, they must adhere to the FDCP. Any violation could make them liable in court.
Also read: Financial Recovery Services Debt Harassment
Common Complaints Against Sequoia Financial Services Debt Collection Harassment
Numerous individuals have filed lawsuits against Sequoia Financial Services for alleged violations. Some of these cases include:
- Using deceptive language to pressure payments
- Ignoring debt dispute rights
- Overcharging or attempting to collect unauthorized amounts
Below are examples of past cases found in federal records:
- Zamani v. Sequoia Financial Services
- Nguyen v. Sequoia Financial Services
- Kupferstein v. Sequoia Financial Services
If these situations sound familiar, you have options to stop the harassment. The Wood Law Firm specializes in protecting consumers from unethical debt collection practices.
Illegal Debt Collection Tactics
Debt collectors, including Sequoia Financial Services collectors, sometimes employ aggressive methods to coerce payment. These actions often breach legal standards. Here are common tactics they use:
- Repeatedly contacting you even after requests to stop
- Threatening to sue or garnish wages without proper documentation
- Claiming you’ve committed a crime for unpaid debts
- Discussing your debts with others to embarrass you
If these or other abusive practices occur, take immediate steps to document the harassment. Keep records of call logs, voicemail messages, and written communications.
Also read: First Financial Asset Management Debt Collection Harassment
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a powerful federal law designed to protect consumers from abusive and unethical behavior by debt collectors, including those at Sequoia Financial Service. If you’re experiencing harassment or threats, you must know your rights and take action to stop the abuse. Here’s what you need to understand about the FDCPA and how it protects you.
Harassment and Inconvenient Contact Are Prohibited
Debt collectors, including Sequoia Financial Services, can only contact you at convenient times or locations, e.g., your office. According to the FDCPA:
- Time Restrictions: Collectors may not call before 8:00 a.m. or after 9:00 p.m. unless you’ve expressly agreed to it.
- Place Restrictions: Contacting you at your workplace is prohibited if your employer disapproves or if you’ve notified the collector to avoid calls at work.
If you experience Sequoia Financial Services phone harassment outside these boundaries, they are breaking the law.
Also read: Performant Recovery Debt Collection Harassment
The Right to Cease Communication
You can stop collectors from contacting you entirely by submitting a written request. After receiving this request, collectors can only reach out to inform you of specific actions they intend to take, such as filing a lawsuit, or to confirm that they will no longer contact you. This rule empowers you to take control of the situation and avoid further harassment.
Ban on Threats, Abuse, and False Claims
The FDCPA explicitly forbids collectors from engaging in the following tactics:
- Threatening Harm or Legal Action: Collectors cannot use intimidation, such as Sequoia Financial Services threats, to coerce payment.
- Using Abusive Language: Profane, demeaning, or offensive language is strictly prohibited.
- Providing False Information: Collectors cannot misrepresent the amount owed, authority, or intentions. For example, they cannot claim you’ll face arrest for unpaid debts unless you violate a court order.
Legal Recourse for Violations
You can fight back if a debt collector violates your rights under the FDCPA. You may file a lawsuit to seek compensation for:
- Statutory Damages: Up to $1,000 for violations of the FDCPA.
- Actual Damages: Including emotional distress and financial losses caused by the harassment.
- Attorney Fees: Your compensation may also cover Legal expenses if you prevail in court.
How to Take Action
If you believe Sequoia Financial Services collectors have violated your rights, act swiftly. Contact The Wood Law Firm at +1 844-638-1122 to explore your options. Our experienced attorneys specialize in protecting consumers from harassment and holding debt collectors accountable.
Knowing your rights under the FDCPA can help you safeguard yourself from unethical practices and take decisive action to stop harassment from Sequoia Financial Services debt collectors.
Also read: Midwest Service Bureau Debt Collection Harassment
Steps to Stop Sequoia Financial Services Debt Collection Harassment
- Send a Cease-and-Desist Letter Notifying Sequoia Financial Services to stop contacting you in writing. Keep proof of delivery for your records.
- Dispute the Debt: Request debt validation within 30 days of initial contact. Debt collectors must provide written verification.
- Report Violations: File complaints with the Consumer Financial Protection Bureau (CFPB) or your state attorney general’s office.
- Seek Legal Representation: The Wood Law Firm has extensive experience handling Sequoia Financial Services lawsuits and similar cases.
Also read: Credit Services Debt Collection Harassment
Can Sequoia Financial Services Take Legal Action?
Sequoia Financial Services can take legal action if the debt is legitimate and within the statute of limitation. However, even in these cases, they must follow specific guidelines. For example:
- They must garnish wages with a court order.
- They must report accurate information to credit bureaus.
Knowing your rights is crucial to defending yourself effectively.
Steps to deal with Sequoia Financial Services Debt Collection Harassment
Dealing with harassment from Sequoia Financial Services debt collectors can feel overwhelming, but you don’t have to handle it alone. Taking the proper steps can make a significant difference in stopping the harassment and protecting your rights. Here’s how you can address the situation effectively:
Document Everything
The first step to combat harassment is to create a detailed record of all interactions. This documentation can serve as crucial evidence if legal action becomes necessary. Keep track of the following:
- Call Logs: Write down the calls’ dates, times, and frequency.
- Messages: Save voicemails, texts, or written correspondence.
- Abusive Statements: Record any profane, threatening, or harassing language used.
- This log will strengthen your case and provide solid proof if you pursue legal action.
Also read: Advantage Financial Services Harassment
Contact The Wood Law Firm
You don’t have to face Sequoia Financial Services debt collection harassment alone. Call +1 844-638-1122 to speak with the experienced team at The Wood Law Firm. Our legal professionals specialize in protecting consumers from unethical debt collection practices. We’ve successfully helped clients:
- Stop harassment and intrusive calls.
- File claims under the Fair Debt Collection Practices Act (FDCPA).
- Seek statutory damages and recover attorney fees.
- By taking immediate action, we can help end the harassment and hold the debt collectors accountable.
Stay Informed
Knowledge is power when dealing with debt collectors. Educate yourself about your rights under the FDCPA, which protects consumers from abusive and deceptive debt collection practices. For instance, the FDCPA prohibits actions like:
- Calling at odd hours (before 8:00 a.m. or after 9:00 p.m.).
- Using profane or threatening language.
- Misrepresenting the amount or nature of the debt.
- Understanding these protections empowers you to recognize violations and act confidently. Knowing your rights lets you make informed decisions to protect yourself from further harassment.
By documenting your experience, contacting a legal expert like The Wood Law Firm, and staying educated about your rights, you can regain control and stop Sequoia Financial Services’ debt collection harassment for good.
Real Client Success Stories
At The Wood Law Firm, we pride ourselves on delivering results. Here are testimonials from satisfied clients:
- “The Wood Law Firm stopped the calls and helped me secure compensation. I highly recommend them!”
- “I nearly fell victim to a collector’s lie. Thanks to this firm, I avoided paying an illegitimate debt.”
You don’t have to face debt collection harassment alone. Let us guide you every step of the way.
Take Action Against Sequoia Financial Services Debt Collection Harassment Today
Don’t let Sequoia Financial Services’ phone harassment disrupt your life. If you’re facing threats or abusive practices, act now! The Wood Law Firm stands ready to assist. Call +1 844-638-1122 for immediate help.
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