Advantage Financial Services Collections Complaints?

We help consumers who have complaints about collection harassment.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

Advantage Financial Services

Advantage Financial Services is a debt collection agency which appears to have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. Find out who they are, why they might be calling, and how you can stop them.

What is Advantage Financial Services?

Advantage Financial Services is a debt collections agency based in Boise, Idaho. It appears as though there are a variety of different complaints against Advantage Financial Services alleging violations of the Fair Debt Collection Practices Act (FDCPA) including providing no explanation of charges and harassing consumers. If you have been contacted by this debt collector, make sure you understand your rights before taking action.

Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.

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Is Advantage Financial Services a scam?

They’re legit. Advantage Financial Services has been in the collections business for 9 years. While this isn’t an extensive period of time, Advantage Financial Service has been accredited by the BBB and has received an average “B+” rating. Especially with a BBB accreditation, it is important that you do not ignore the need to resolve your alleged debt with Advantage Financial Services. It would be incredibly unwise to not try to resolve the discrepancy as this could potentially harm your credit and ability to take out future loans. In respect to the company’s timeline, Advantage Financial Services was started on July 11th, 2011 and was incorporated on June 9th, 2011. Additionally, Advantage Financial Services has been accredited since June 13th, 2017. While the business has received accreditation and an average review,  be wary of any suspicious activity where the company could potentially be violating the FDCPA. You, and many clients feel as though Advantage Financial Services may not have provided the service it promised, and could have violated collectors law.

In regard to the collection company’s size, according to the company has an employee base of 2 people and sales of $158,752.  Lastly, according to the Better Business Bureau, the leadership of the company is headed by Carma Farrar.

Who does Advantage Financial Services collect for?

Currently, Advantage Financial Services does not have an active website. When visiting the site, a “Coming Soon” message is presented to viewers. Because of this, there is no current information available on what specifically Advantage Financial Services collects for, or who they specifically collect for. Due to this lack of available information,  it is important that as a consumer you confirm with the collections company about what debt is specifically owed and to whom. Inquiring as soon as possible is the smartest move to make, and if you feel as though this company has breached their FDCPA rights be sure to contact an attorney to help you file a lawsuit.

Who are we? We are Lemberg Law, a Consumer Law Firm

Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today!  There is no charge unless we win.

How many complaints are there against Advantage Financial Services?

As a collections company, it is no surprise that Advantage Financial Services has received a number of complaints. First, on the BBB, Advantage Financial Services has received 11 complaints closed in last 3 years and 3 complaints closed in last 12 months. While Advantage Financial Services has attempted to respond to these complaints, the magnitude of complaints and the sheer dissatisfaction with the company’s service has not provided Advantage Financial Services with a glowing review.

On top of these negative reviews and complaints on the BBB, there were additional reviews of Advantage Financial Services on Google Reviews. There are 70 reviews posted under the Advantage Financial Services name, awarding the company a measly 1.3 star review overall. More seriously, Advantage Financial Services could have also been a part of a variety of lawsuits, sanctions, and penalties. Take a look at the  Public Access to Court Electronic Records (“PACER”) which reports all federal complaints within the U.S. federal system’s docket to find out.

Contact Information

  • Mailing Address: 2710 W Sunrise Rim Rd Ste 150 Boise, ID 83705
  • Website:
  • Phone Number: (208) 258-2272

Can Advantage Financial Services Sue Me or Garnish My Wages?

It is illegal for Advantage Financial Services to make empty threats to sue you or garnish your wages. The company would most likely choose not to sue if they cannot verify your debt or you may not owe said debt. However, this may not occur under other circumstances. Remember that it is not uncommon for debt collection agencies to summon debtors to court and garnish wages after a default judgement. If you find yourself in this situation, it is important that you choose to sue and hire legal aid. The wisest option in this case would be to contact an attorney preemptively to ensure the safety of your assets and rights. Lemberg Law has helped thousands of consumers fight back against these cases of fraudulent collection practices. Call us today to find out how we can help you resolve this issue.

Get Free BBB A+ Attorney. Call 475-277-1600 NOW

Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can you help me file a No Fee Lawsuit against Advantage Financial Services?

Absolutely. You can sue a debt collector. Here is a sample complaint:

A complainant received a notice from Advantage Financial Services, “approximately 40 days after having knee surgery performed in August of 2019”, for collection proceedings for a debt that they had never been billed. The complainant immediately notified Advantage Financial Services of this issue and, “asked that the debt be remanded back to the physician’s office for billing”. The complainant then asked to receive a “proper bill”, which would include the, “explanation of services rendered and insurance payment received, from the physician’s office”. The complainant stated that they would pay the bill if they received this information. Advantage Financial Systems has refused to release this information and has continued to pursue collections with the complainant. The complainant feels as though they deserve to be awarded, “an explanation of charges and be appropriated time to pay for said services”.

Advantage Financial Services Calling You?

Learn to protect yourself against fraudulent collections practices. Through the The Fair Debt Collection Practices Act citizens like you are protected against the abuses and misconduct of collection agencies. Choosing to read up on these rights is the wisest decision to make in order to avoid becoming a victim to unethical collections practices. You can find these rights listed on the Federal Trade Commission’s website under, “Debt Collection FAQs”. Do not forget that you also have additional rights other than those listed under the FDCPA. These supplementary rights include those enumerated in the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).

Can I sue Advantage Financial Services for harassment?

Yes you can sue. If you feel as though your FDCPA rights have been breached, suing is the best course of resolution. If you want to recover your damages and protect yourself as an individual, utilize the Federal laws that protect citizens like you from these fraudulent practices. Suing gives individuals the power to defend their rights and protect their assets. Individuals like you can recover damages of up to $1,000, plus attorney fees and court costs.

Want to Stop Advantage Financial Services Debt Collection Harassment Now?

You may have a case, if…

  • You are receiving multiple calls per week from third party collection agencies.
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your family, friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

What Our Clients are Saying

“The Lemberg Law Firm is an Amazing group of lawyers and staff they filed a law suit on behalf of me and others and I didn’t have to do anything but sign one form! I received a settlement and within 3 weeks received a check which came right in time for Christmas and I am truly blessed! I would give this law firm a 10 star ?? rating!”

“A pleasure being represented by Lemberg Law LLC . I have used their services before with the same professional results. A well deserved 5 Star recommendation.”

“I called Lemberg law to handle an overly aggressive debt collector who constantly violated the Fair Debt Collection Practices Act. I was very pleased with what Jody Burton got for me. Not only did she settle my case but now this collection agency can no longer harass me. Thank you.”

“I would highly recommend! They took care of the problem with ease, I didn’t have to do anything additional! So grateful for them.”

Can You Help Me Delete Advantage Financial Service from My Credit Report?

Yes, we would love to help out. Call us today.

Share your story

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Sergei Lemberg

About the Author:

Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."

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