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CSO Financial Inc


1229 SE Stephens St
Roseburg, OR 97470-4823

Contact Them:

Phone: (541) 673-6661
Fax: (541) 673-0092

Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to contact you at a time or place known to be inconvenient to you.

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. Gene Constant on April 30, 2015 at 8:46 pm

      I was served with a small claims notice to pay $1,631.88 for a debt to the City of Eugene Fire & EMS today, April 30. We were making payments on the $1,600 bill presented on or about April 2012 and we paid them $25 every month until after the last payment made on May 28, 2014. We stopped payments due to lack of income. The balance due on 5/28/14 was $1,045. Seems unusually high interest.

    2. Adam R. on June 28, 2015 at 9:44 pm

      CSO Financial Inc is very hostile, condescending, aggressive. In the course of simply asking questions about the amount alleged to be owed, CSO Financial Inc said, “Just pay it” and would offer nothing further .

    3. christina cowan on April 7, 2016 at 2:00 pm

      I have repeatedly told them that my debt was repaid yet they continue to harrass my work family and friends saying I will be sent to jail. I am truely tired of the harrassment. what can i do?

    4. William Howe on June 22, 2017 at 8:03 pm

      I received a notice of collections from CSO financial for a pizza from Dominoes. I called to explain that this was impossible due to the fact that I have not had a checking account or credit card for over 6 years. They were very rude, and demanded information that I was not comfortable giving over the phone
      (SS #, birthdate, etc..)

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    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.