When debt collectors cross the line, our attorneys can help.

Get a Free Case Review

Action Financial Services LLC


4894 N Runway Dr Ste 103
Central Point, OR 97502-3005

Contact Them:

Phone: (541) 664-1369
Fax: (541) 664-4073

Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency or a collection agency’s employees to state that they are a law firm or an attorney if they are not.

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. James Lowe on March 19, 2015 at 7:42 pm

      Well I thought I had all my student loans deferred but I found out after filing my taxes that one company didn’t accept my deferment and put me into collections. In short they took my tax refund of $6000 and today they call and ask about the loan pressuring me to give them a call back before Monday with information to be accepted in their repayment program.

    2. Christine D Cathcart on February 1, 2016 at 8:22 pm

      I am trying to pay off my daughters student loans, as they are taking money from my social security checks every month!!! Then this damn letter comes in the mail!!! I really hate these people!!!

    3. pro choice essay on November 13, 2021 at 6:37 am

      I appreciate perusing your websites. Appreciate it!

    4. online casino suomi on November 16, 2021 at 8:02 am

      Thanks for the purpose of offering these kinds of substantial

    5. graphic sex games on November 18, 2021 at 2:25 pm

      Wow because this is extremely excellent work! Congrats and keep it up.

    6. keto diet doctor on November 20, 2021 at 6:41 am

      Thanks, this site is extremely handy.

    7. bdsm sex games on November 20, 2021 at 12:33 pm

      Wow, attractive site. Thnx …

    8. keto diet blog on November 21, 2021 at 7:09 am

      Love the website– very individual friendly and great deals to see!

    9. how many carbs a day on keto on November 21, 2021 at 4:37 pm

      I love the data on your website. Appreciate it.

    10. keto diet and menopause on November 21, 2021 at 9:09 pm

      Wow, beautiful portal. Thnx …

    Share Your Experience

    For security, use of Google's reCAPTCHA service is required which is subject to the Google Privacy Policy and Terms of Use.

    I agree to these terms.

    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.