Free Help to Stop Easy Pay Finance Collections Harassment

We help consumers who have complaints about collection harassment.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

Easy Pay Finance

Easy Pay Finance 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 Easy Pay Finance?

Easy Pay Finance is a debt collector located in Carlsbad, CA. It appears as though there are a variety of different complaints against Easy Pay Finance alleging violations of the Fair Debt Collection Practices Act (FDCPA) including adding invalid accounts to consumers’ credit reports and failing to notify consumers of debt owed. 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 Easy Pay Finance a scam?

They’re legit. Easy Pay Finance is a real business, and the alleged debt you may owed should not be ignored. Because of the collection company’s 20 years of business, Easy Pay Finance should be taken seriously as a collections company. It is wisest to be conscientious about your debt and make sure to contact Easy Pay Finance with any concerns or questions you may have.

On top of the many years of experience that Easy Pay Finance has under its belt, the collections company has also been accredited by the Better Business Bureau and has received an A rating from the BBB. Additionally, according to the BBB, the collections company is headed by Ms. Lisa Warnemuende, Director of Operations; Ms. Mary Jones, President; and Ms. Andrea Patten, Administrative Operations Manager. Lastly, According to, Easy Pay Finance has a total of 108 employees and sales of $21 million.

Easy Pay Finance leaves a message under their “About Us” tab of their collections website, explaining their mission, writing, “EasyPay is dedicated to offering simple, transparent consumer finance options that grow small to medium businesses and enrich the lives of customers with good to no credit. Our core principles of exceptional customer and merchant service ensure an outstanding repeat customer experience and as a result, the long term financial health of our business partners.” While this collections company claims to provide quality service while utilizing ethical business practices, it is still possible that Easy Pay Finance may have violated the FDCPA, so be aware of any suspicious activity.

Who does Easy Pay Finance collect for?

Easy Pay Finance writes on their collections website that they collect on credit card debt. If you own or previously owned an Easy Pay account, this debt could have been incurred by using said credit card to make purchases, and failing to repay the amount owed. While this verifies that Easy Pay Finance specializes in the field of debt collection, more specifically in collecting on credit card debt, there is no information provided about who the company specifically collects for. Therefore, because of this lack of clarity it is incredibly important that you verify your debt with Easy Pay Finance and discuss the account.

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. Lemberg Law received an A+ rating from 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 Easy Pay Finance?

Easy Pay Finance has received many complaints posted across the internet. For example, on the BBB there are currently 177 complaints closed in the last 3 years and 65 complaints closed in the last 12 months, as well as 409 reviews amounting to a 3.83 star review overall on the BBB. There are additionally 1.5k reviews posted on Wallethub, awarding the collections company 4.2  stars in total, and 63 Yelp reviews awarding the collections company a single star. Ultimately, the similarities between these complaints and the angry sentiments of complainants awards this collections company a less than glowing review. More seriously, this collections company could have also been a part of a variety of lawsuits, sanctions, and penalties according to  Public Access to Court Electronic Records (“PACER”), which reports all federal complaints within the U.S. federal system’s docket.

Contact Information

Can Easy Pay Finance Sue Me or Garnish My Wages?

Ultimately, it is illegal for Easy Pay Finance to make empty threats to sue you or garnish your wages. However, Easy Pay Finance can choose to sue or garnish wages after a default judgement. Therefore, a collection company would likely choose not to sue you for unvalidated debt, but it is the wisest option to contact an attorney preemptively to ensure the safety of your assets and rights. Lemberg Law awards consumers the power to fight back against these fraudulent collection practices. Need Help? Call us today.

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 Easy Pay Finance?

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

A complainant explains that their dispute with Easy Pay Finance has been ongoing for years. Ultimately, the complainant tried to dispute this alleged numerous times. According to the complainant, this collections company opened a fraudulent account under their name. The complainant claims that they, themselves, never opened this account. After contacting the debt collection company regarding this discrepancy, the complainant was told that the company would not remove the account off of their credit. The complainant called and called again and was unable to speak to a representative and is now stuck with bad credit due to a faulty account for years. Now that they are trying to buy a house, this account is causing major problems.

Easy Pay Finance Calling You?

The Fair Debt Collection Practices Act outlines a person’s protections against the abuses and misconduct of collection agencies. If you find that a debt collector may have violated your FDCPA rights, it is important that you contact and attorney to resolve the matter and receive compensation. You can find your FDCPA rights listed on the Federal Trade Commission’s website under, “Debt Collection FAQs”. Remember that in addition to your rights under the FDCPA, you have supplementary rights to protect yourself from fraudulent practices under the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).

Can I sue Easy Pay Finance for harassment?

Yes, and if you would like to defend your rights and recover your damages you should. Therefore, suing is the correct course of action if you have found that your FDCPA rights or TCPA rights have been violated. Federal laws protect citizens like you from these fraudulent practices. Moreover, you should choose to award yourself the ability to defend your rights and receive compensation by suing if you feel as though these rights have been violated. Individuals like you can recover damages of up to $1,000, plus attorney fees and court costs.

Want to Stop Easy Pay Finance Debt Collection Harassment Now?

You may have a case, if…

  • You are receiving multiple calls per week from third party collection agencies.
  • A collector has called you in the early morning or late night
  • 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
  • A collection company threatened you with negative credit reporting
  • A debt collector attempts to intimidate you
  • A collector accused you of criminal conduct
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

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Can You Help Me Delete Easy Pay Finance from My Credit Report?

Absolutely, we would love to help. Call us today.

Share your story

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

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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  • Jessica F

    I took out a $2000 loan with easy pay and paid over $2000 and they say I still owe $1500 and they got me with their 90 day interest free offer which is deceiving. They prey on poor desperate people

  • Lisa

    I had to get tires for my car in Sept 2022 and the tire place told me I could finance through Easy Pay. I have more than paid off my original loan and then some but they keep billing me saying me I owe the 189% interest.

  • Britnei F

    I looked at my credit report and discovered someone had taken a loan out for Easy Pay with Midas.I called the number on the report. I asked for identifying information. They only thing they had was my name,ssn,and an old address. They stated they do not have a picture of the photo ID that should have been shown. When I called actual Midas location where the loan was processed interestingly enough they claim their records don’t go back that far. The call center is very unprofessional and janky. They hung up on me. This company lacks accountability. How are we allowing company’s like this to exist. That’s preys on the consumer with no room for accountability.

  • Shallan C

    I have a contract with Easypay I borrowed around 1200 and they locked me into a 12 month contract and even though I am about done paying off that loan they are still intending to charge me 203 a month for the next 7 months. This was not explained to me and I can’t afford to keep paying. I am thinking of just revoking the rest of the payments but I don’t want bad credit or to be sued or herassed

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