Understanding Westlake Financial Services
Westlake Financial Services is a financial and auto loan company that also engages in debt collection when customers fall behind on payments. While they have the right to recover owed debts, their collection practices must comply with federal consumer protection laws. Some consumers report frequent or aggressive calls, misleading information, or attempts to collect after debt disputes. If you are experiencing such behavior from Westlake Financial Services, it’s important to know your legal rights and how to stop the harassment.
Common Complaints From Consumers
Many borrowers have complained about continuous phone calls, threats of repossession, and rude or intimidating representatives. Some have received calls at work or late at night, which may violate collection rules. Under the Fair Debt Collection Practices Act (FDCPA), debt collectors cannot engage in harassment, deception, or unfair treatment. Even if Westlake Financial Services owns your loan directly, you still have the right to fair and respectful communication.
Your FDCPA and Consumer Rights
The FDCPA protects you from harassment and unfair collection practices. Westlake Financial Services or any third-party collector working on their behalf cannot:
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Call you before 8 a.m. or after 9 p.m.
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Use abusive or threatening language.
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Contact you after a written request to stop communication.
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Mislead you about the amount owed or threaten actions they cannot legally take.
You also have the right to debt validation, which means you can request proof of the debt before making any payment or agreement.
How to Stop Harassment From Westlake Financial Services
If calls or messages from Westlake Financial Services continue to disturb you, start documenting every communication. Keep records of dates, times, and what was said during each call. Send a cease-and-desist letter to demand that they stop contacting you. If the harassment continues, file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state’s attorney general. You may be eligible for compensation for any violations of the FDCPA.
Take Legal Action to Protect Yourself
An experienced consumer protection attorney can help you assert your rights and take action against Westlake Financial Services if they have violated federal law. Legal representation ensures your peace of mind and may result in financial recovery for any damages caused by unlawful collection behavior.
