Constant calls from 877-733-5189?
Sue the Caller!

Who Is Calling 877-733-5189?

Calls from 877-733-5189 often come from Westlake Financial Services, a company that services and collects on auto loans. Federal law allows collection activity, but the Fair Debt Collection Practices Act (FDCPA)—and in some cases other consumer protection laws—limit how these calls can occur. When those limits get violated, you can take action.

How the FDCPA Protects You

The law places clear restrictions on collection conduct. Watch for these violations:

• Calling at improper times or too frequently
• Calls must occur only between 8 a.m. and 9 p.m., and repeated calls meant to pressure or annoy you are not allowed.
• Using harassment or intimidation
• Threats, abusive language, or aggressive tactics violate federal law.
• Failing to provide written validation
• Within five days of first contact, Westlake Financial Services must send written details of the debt if acting as a debt collector.
• Contacting third parties about your debt
• Disclosure of your debt to others—outside narrow exceptions—is prohibited.
• Making false or misleading statements
• Misrepresenting the amount owed or threatening legal action without intent to follow through breaks the law.
• Take Control of the Calls

There are steps you can take now to protect yourself:

• Request written proof
• Demand validation to confirm the debt is accurate and enforceable.
• Document every call
• Record dates, times, frequency, and statements to create a clear record.
• Dispute or resolve the account
• Send a written dispute if the debt is incorrect, or negotiate payment if it is valid.
• Stop unwanted contact
• Send a cease-and-desist letter and require Westlake Financial Services to stop calling.

How to Assert and Protect Your Rights

Violations of the FDCPA can entitle you to compensation, including statutory damages and attorney’s fees.

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