If you’re dealing with persistent Swift Funds Financial debt collection phone harassment, you have rights. If you believe they’re harassing you, you may be entitled to up to $1,000 in statutory damages. You won’t pay anything out of pocket for legal representation.
Who Is Swift Funds Financial?
Founded in 2009, Swift Funds Financial is a third-party debt collector based in Palos Verdes Peninsula, California. This company is hired by creditors to recover outstanding debts. Their business model relies on collecting a percentage of the amount recovered, which may create financial incentive for aggressive debt collection practices.
Company Information:
- Address: PO Box 2397, Palos Verdes Peninsula, CA 90274-8397
- Phone: (888) 479-4384
- Established: 2009
Swift Funds Financial works with various creditors to collect outstanding debts. If you’re receiving calls from them, it’s likely because you have a past-due account with one of their clients.
Is Swift Funds Financial Legitimate?
Yes, Swift Funds Financial is a legitimate debt collection agency. However, according to Better Business Bureau records, the company has accumulated complaints from consumers since its establishment in 2009. Many consumers report experiencing aggressive collection tactics that may violate federal law.
Your Rights Under Federal Law
Although debt collectors like Swift Funds Financial have the legal right to contact you regarding unpaid debts, strict regulations govern their conduct. The Fair Credit Reporting Act (FCRA) plays a crucial role in protecting consumer rights by allowing individuals to dispute inaccuracies on their credit reports.
The Fair Debt Collection Practices Act (FDCPA) sets clear boundaries to protect consumers from potentially abusive practices.
What Debt Collectors Cannot Do?
If you believe Swift Funds Financial has engaged in any of these practices, it may be violating the FDCPA:
- Harassment and intimidation: Collectors should not use abusive language, threats of violence, or intimidation tactics. They cannot threaten to harm you physically or damage your property.
- Unreasonable communication: Collectors can only contact you between 8 a.m. and 9 p.m. unless you’ve agreed to different hours.
- False statements: Collectors cannot lie about the amount you owe, the legal status of the debt, or the consequences of non-payment. They cannot claim you’ll be arrested or imprisoned for failing to pay a debt.
- Unlawful contact with third parties: Collectors may not disclose information about your debt to unauthorized third parties, including your family, friends, or colleagues.
- Repeated and excessive calls: Persistent and excessive calling designed to annoy or coerce you may be considered harassment.
Additionally, the Telephone Consumer Protection Act (TCPA) provides further protection against robocalls made by debt collection agencies.
Also read: Global Recovery Solutions Debt Collection Harassment
Common Swift Funds Financial Violations
Here are common ways that collectors like Swift Funds Financial might violate your rights:
Calling outside permissible hours: The FDCPA restricts calls to between 8 a.m. and 9 p.m. unless you’ve given prior consent. Calls made outside these hours may be considered harassment.
Making threats: Threats of legal action, imprisonment, or physical harm may be clear violations of the FDCPA.
Sharing debt information: Disclosing details about your debt to unauthorized third parties potentially breaches your privacy.
Contacting your workplace: Continued calls to your workplace after you’ve requested not to be contacted there may be illegal.
Excessive calling: Repeated calls designed to intimidate or annoy may be considered harassment under federal law.
TCPA Violations
If you’re receiving automated or pre-recorded calls from Swift Funds Financial without your consent, they may be violating the TCPA. Common violations include:
- Calling cell phones with automated dialers without consent
- Leaving pre-recorded voicemails
- Calling numbers on the Do Not Call Registry
- Continuing to call after you’ve requested they stop
How to Stop Swift Funds Financial Harassment
If you believe Swift Funds Financial has engaged in prohibited practices, you have several rights and remedies:
Your Legal Remedies
Statutory damages: If you think your rights under the FDCPA have been violated, you could potentially receive statutory damages of up to $1,000.
Attorney fees: The debt collector may be required to cover your attorney fees if you take legal action against them.
Cease: You can request that the collector cease communication with you except to notify you of specific legal actions.
Dispute the debt: You can dispute the debt’s validity. If you do so in writing, the collector must cease collection activities until they provide proof of the debt.
Steps to Take
1. Document everything: Keep detailed records of all communications with the debt collector, including dates, times, and the content of conversations. This documentation can be crucial if you decide to take legal action.
2. Report violations: File a complaint with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), or your state’s attorney general. These agencies can investigate potentially problematic practices.
3. Seek legal help: Consumer protection attorneys specializing in debt collection harassment can help you navigate the legal process, pursue damages, and hold the collector accountable.
Also read: National Debt Collection Harassment
Known Swift Funds Financial Phone Numbers
If you’re receiving potentially harassing calls from the following numbers, you might be facing harassment:
- 888-479-4384
- 619-730-0007
- 703-260-1433
- 917-746-6214
- 619-365-4150
If any of these numbers are calling you, it may be essential to act swiftly. Consumer protection attorneys can provide immediate help.
Legal Cases Against Swift Funds Financial
Several legal cases highlight potential harassment issues:
- 2:12-cv-01267-JAD-PAL: Purdy v. Swift Funds Financial, LLC
- 3:13-cv-00372-WQH-BLM: Montegna v. Swift Funds Financial Services
- 7:14-cv-00740: Espino v. Swift Funds Financial Services
- 2:16-cv-01151-DB: Patterson v. Swift Funds Financial Services et al.
These cases demonstrate a pattern of consumer complaints against the company.
How Debt Collectors Obtain Your Information
Debt collectors like Swift Funds Financial are persistent because their payment depends on debt recovery. They obtain your contact information through:
- From your creditor: When you default on a loan, your creditor may transfer your debt along with your contact details
- Credit reports: Collectors have legal access to your credit report, which contains your contact information
- Skip tracing: Collectors may use methods to gather additional information to locate you
- When you respond: If you respond to a notice, they may capture your phone number
- Online sources: Information can be obtained through social media, public records, and online directories
It’s important to ensure you’re dealing with a legitimate agency that operates within the FDCPA guidelines.
Also read: How can you save yourself from Comenity Bank harassment?
Removing Swift Funds from Your Credit Report
To potentially remove Swift Funds from your credit report, follow these steps:
- Obtain copies of your credit report from Equifax, Experian, and TransUnion
- Review your credit report for any errors or inaccuracies related to Swift Funds
- Dispute any errors with the respective credit bureau, providing the necessary documentation
- If the debt appears valid, negotiate a feasible payment plan
- Regularly follow up and review your credit report after making payments or disputing errors
Our Team Defends Consumers Against Collection Harassment
At The Wood Law Firm, we’ve spent over a decade protecting consumers from aggressive debt collection tactics. When you’re facing relentless calls from Swift Funds Financial, our team provides immediate relief and comprehensive legal support.
We understand that dealing with debt collectors affects more than just your finances. The constant stress of harassing phone calls can impact your work, relationships, and overall well-being. That’s why we take swift action to stop the harassment while building a strong compensation case.
Our approach includes:
- Free case evaluation: We review your situation at no cost to determine if Swift Funds Financial violated your rights
- Immediate intervention: Once retained, we handle all collector communication, providing you instant relief
- Thorough documentation: We meticulously gather evidence of violations to build the strongest possible case
- Aggressive advocacy: We pursue maximum compensation under the FDCPA and TCPA, including statutory damages and attorney fees
What makes our firm different is our exclusive focus on consumer protection. We don’t represent creditors or collection agencies. We only fight for consumers. This singular focus means we know every strategy debt collectors use and exactly how to counter them.
Our firm operates on a contingency basis, meaning you pay nothing unless we win. When violations are proven, the debt collector pays your attorney fees, making justice accessible to everyone regardless of financial situation.
With Of Counsel relationships spanning Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and West Virginia, we can help you wherever you’re located.
Your Consumer Rights Attorney
Jeff Wood established The Wood Law Firm after witnessing too many consumers suffer from illegal debt collection practices. Licensed in Arkansas with over 15 years of experience, Jeff has dedicated his career exclusively to three areas of consumer protection: the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Telephone Consumer Protection Act (TCPA).
This laser focus on consumer protection law means Jeff doesn’t just understand these statutes—he knows them inside and out. He’s seen every tactic debt collectors use to intimidate consumers and has developed proven strategies to stop them.
Jeff’s philosophy is simple: collection agencies operate with teams of lawyers protecting their interests. Consumers deserve equally strong representation. He built The Wood Law Firm to provide that representation, ensuring that individuals have a powerful advocate when facing corporate collection machines.
Throughout his career, Jeff has secured substantial damages for clients while stopping harassment and protecting their rights. His track record speaks to his commitment to holding debt collectors accountable for their violations.
Real Results for Real People
Sandra’s Swift Victory: Sandra received 18+ automated calls daily from Swift Funds Financial without her consent. The Wood Law Firm documented TCPA violations, stopped the calls within 72 hours, and secured $3,600 in damages for Sandra.
Jennifer’s Credit Report Success: Swift Funds Financial reported inaccurate debt information on Jennifer’s credit report, damaging her score. The Wood Law Firm proved FCRA violations, resulting in $2,900 in damages and the complete removal of the incorrect information.
Frequently Asked Questions About Swift Funds Financial
1. How can I stop Swift Funds Financial harassment calls?
You can stop harassment calls by sending a written cease and desist letter, disputing the debt if it’s not valid, or seeking legal help from The Wood Law Firm at +1-844-638-1122.
2. What should I do if I’m harassed by Swift Funds Financial?
Document all interactions, file complaints with the CFPB and FTC, and contact a consumer protection attorney to understand your legal options and pursue damages.
3. Can I sue Swift Funds Financial for harassment?
Yes. If they’ve violated the FDCPA or TCPA, you may be able to sue for up to $1,000 in statutory damages plus attorney fees and actual damages.
4. What are common Swift Funds Financial FDCPA violations?
Common violations include calling outside permitted hours, making threats, excessive calling, contacting your workplace after being asked to stop, and sharing debt information with unauthorized parties.
5. What phone numbers does Swift Funds Financial use?
Known numbers include 888-479-4384, 619-730-0007, 703-260-1433, 917-746-6214, and 619-365-4150. If receiving calls from these numbers, contact The Wood Law Firm.
6. Can Swift Funds Financial call me at work?
They may call your workplace, but if you ask them to stop calling you at work, they must honor that request under the FDCPA.
7. What are Swift Funds Financial TCPA violations?
TCPA violations include calling cell phones with automated dialers without consent, leaving pre-recorded voicemails, or continuing to call after you’ve asked them to stop.
8. How can I remove Swift Funds Financial from my credit report?
You may remove them by disputing inaccurate information, negotiating a pay-for-delete agreement, or proving the debt isn’t valid with help from The Wood Law Firm at +1-844-638-1122.
9. What consumer rights do I have against Swift Funds Financial?
You have the right to be free from harassment, to dispute debts, to request they stop calling, and to seek damages if they violate federal laws.
Also read: Travelers Management Group Debt Collection Harassment
If you believe you’re experiencing harassment from Swift Funds Financial, contact The Wood Law Firm at +1-844-638-1122 for immediate assistance. Our expertise and commitment to achieving justice make us a strong choice for protecting your rights.
Useful Resource: Federal Trade Commission FAQs
