Free Help to Stop LTD Financial Services Collections Harassment

We help consumers who have complaints about collection harassment.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

LTD Financial Services
LTD Financial Services is a debt collection firm 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 LTD Financial Services?

LTD Financial Services is a debt collector located in Houston, TX. It appears as though there are a variety of different complaints against this collections company alleging violations of the Fair Debt Collection Practices Act (FDCPA). If a debt collector has contacted you, make sure you understand your rights before taking action.

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

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is LTD Financial Services a Scam?

They’re legit. LTD Financial Services should be considered a legitimate business due to the company’s 27 years of experience. However, this collections company has not been accredited nor rated by the Better Business Bureau. Though this may be the case, the alleged debt that you may have contacted about should be taken seriously. If you choose not to contact the collections company regarding the account you risk harm to your credit and financial stability. Be wise, do not write off LTD Financial Services as a scam.

Additionally, this collections company claims that alongside the company’s 20+ years of experience within collections exists a culture of “Quality customer service” which is supposedly, “the key” to their success. On top of this guarantee of quality customer service, the collections company claims to treat people with dignity and respect, “Just like [they] want to be treated.Though this loan company promises to be a professional and reputable business, it is still possible that LTD Financial Services may still have violated the collectors’ law. Lastly, according to dnb.com, this collections company has, “500 total employees across all of its locations and generates $20.79 million in sales (USD). ” This collections company additionally has 3 different companies within their corporate family.

Who does LTD Financial Services collect for?

LTD Financial Services does not cite who they specifically collect for or what area of collections they specialize in. Therefore, because no information is provided on who this company works with, it is incredibly important that as a consumer, you clarify with the company about who you allegedly owe. This step in the collections process is crucial because due to the outsourcing of debt, one collection account can turn into many reporting on your credit file if the debt is not properly dealt with.

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 LTD Financial Services?

LTD Financial Services has received a few complaints over its time in business. On the Better Business Bureau the company has received 19 complaints in the last 3 years with 5 customer reviews amounting to 1.6 stars overall. This collections company has also received 21 Google Reviews, in total awarding the company a measly 1.8  star review. If you believe that this collections company may have violated the FDCPA do not hesitate to contact an attorney and file a complaint or take action by reviewing the company on the BBB or Google Reviews.

It is also possible that this collections company could have 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. Take a look at the link above to find out whether LTD Financial Services falls within this category.

Contact Information

  • Mailing Address: 3200 Wilcrest Dr Ste 600 Houston, TX 77042-6030
  • Website: http://www.ltdfin.com
  • Phone Number: (800) 414-2101

Can LTD Financial Services Sue Me or Garnish My Wages?

It is illegal to a debt collector to use empty threats to sue you or garnish your wages. The Fair Debt Collection Practices Act prohibits this action. While this act is illegal, debt collectors may choose to garnish wages for consumers whose debt is verified and legitimate. Debt collection agencies can garnish wages through legitimate legal action if a judgement rules in their favor. Therefore, the wisest move to make is to preemptively contact an attorney BEFORE this judgment may occur. Lemberg Law specializes in debt collection cases, and as a company we have advocated for tens of thousands of victims of debt collector harassment. Call us today to find out how we may be able to assist you with your case.

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 LTD Financial Services?

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

A complainant explains that they were given a collections letter in March of 2021, from an old apartment complex. According to the complainant, they previously signed a roommate release form and were told that they were removed from the collections process for the apartment. Now, the complainant has received a credit collections on their credit report from LTD Financial Services. The complainant claims that this is fraudulent as they owe no money to the apartment complex, and they want this account removed immediately.

LTD Financial Services Calling You?

Those who have fallen victim to excessive, threatening, misleading or otherwise untimely calls from a third party debt collector are entitled to compensation under The Fair Debt Collections Practices Act (FDCPA). More specifically, this law prohibits collection agencies from pursuing debts via over-the-phone harassment. If you feel as though this law should be applied in your collection discrepancy, contact an attorney to sue the offending collection agency. Likewise, the FCRA regulates the circumstances under and means by which collectors and creditors can report delinquent debts to credit reporting agencies.

Can I sue LTD Financial Services for Harassment?

Yes. You can absolutely sue. Oftentimes suing is the best course of action considering your case is legitimate and your grievances are serious. Ultimately, Federal Law allows you to protect your FDCPA rights in court via lawsuit. Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. You can recover damages of up to $1,000, plus attorney fees, court costs, and personal damages.

Want to Stop LTD Financial Services 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

What Our Clients are Saying

“They settled my case so fast. No more harassing calls from them bothersome credit card companies. it was a everyday thing 2 to 4 calls a day. I can have peace now. Thank you for all your help.”

“INCREDIBLE EXPERIENCE! We contacted Lemberg about being harassed by a rude debt collector, and within weeks we got a settlement check. 10/10 recommend this law firm— So happy with our settlement!”

“Fantastic experience! They not only corrected faulty background information that a certain company would not change, I also received a very nice settlement. Given how slow the legal system is, they were lightening fast! They kept me up to speed the whole way. Thanks so much to the lawyers and staff at Lemberg Law!”

“Lemberg Law firm, did a great job representing me against a big and powerful company, they got me a fair but very good deal for me and the company, felling grateful with them.”

Can You Help Me Delete LTD Financial Services from My Credit Report?

Yes, 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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