Absolute Financial Services Debt Collection Harassment – Know Your Rights

Are You Being Harassed by Absolute Financial Services?

If Absolute Financial Services, LLC has been calling you repeatedly—making threats, using automated calls, or pressuring you to pay debts you don’t believe you owe—you may be facing unlawful debt collection harassment. Under both federal law and consumer protection statutes, there are limits on what collection agencies can do. You have rights, and you don’t have to endure abusive conduct.

At Consumer Rights Law Firm PLLC, we represent consumers who have been harassed by collection agencies like Absolute Financial Services. We help stop the abuse, hold them accountable, and help you recover damages for violations of the law.

What the Law Says About Absolute Financial Services

In recent enforcement actions, the U.S. Federal Trade Commission (FTC) found that Absolute Financial Services, LLC engaged in widespread abusive collection practices. Some of the reported behaviors include:

• Using robocalls with deceptive messages claiming legal action, arrest, or other urgent consequences if a person did not respond. F

• Threatening consumers with lawsuits or arrest even when such threats were not legitimate. Presenting false claims that they were attorneys or worked with or as a law firm, to pressure consumers into paying. 

• Attempting to collect debts that consumers did not actually owe, or that had already been paid or were invalid. 

As a result of these violations, Absolute Financial and associated entities were permanently banned from certain collection activities.

What Kinds of Harassment Might You Be Experiencing?

If Absolute Financial Services is contacting you in any of these ways, your rights may have been violated:

• Automated or robocalls that do not clearly identify the caller

• Threats of arrest or legal action without basis

• Misrepresenting the caller’s status (claiming to be a law firm when they’re not)

• High-pressure tactics, repeated calls multiple times per day

• Calling inconveniently early or late

• Trying to collect debts you do not owe, or debts already paid off

• Refusing to provide proof or validation of the alleged debt

If you’ve experienced one or more of these, it could form the basis of a claim under the FDCPA or related laws.

What the FDCPA & Other Laws Protect You From

You are protected under several laws if you are being harassed by a collector like Absolute Financial Services:

• Fair Debt Collection Practices Act (FDCPA) — prohibits harassment, false or misleading statements, unfair practices, and requires that debt collectors validate debts upon request.

• Collectors must not threaten legal action they do not intend to take.

• They must not claim to be attorneys or law firms if they are not.

• They must allow you to dispute the debt and provide proof.

Because of the enforcement action, Absolute Financial Services is already under legal restrictions. For more details about the FTC’s actions and your possible rights, see our resource page: Absolute Financial Services Phone Harassment.

Your Rights and Possible Compensation

If Absolute Financial Services violated the law, you may be entitled to:

• Statutory damages (for FDCPA violations — up to $1,000 in many cases)

• Compensation for emotional distress, anxiety, or harm caused by threats or false statements

• Attorney’s fees and costs (in many cases, the collector may be required to pay your legal fees)

You will not necessarily have to pay anything up front for legal help; many consumer protection law firms (including ours) work on a contingency basis—meaning we only get paid if we succeed.

What You Should Do Now

1. Document Everything
   Keep records of all calls, voicemails, texts, letters: times, dates, what was said, who called, and whether they claim a law firm or threaten legal action.

2. Request Validation of the Debt
   Write to Absolute Financial Services asking them to provide documentation proving you owe the debt, who the original creditor was, and how to dispute.

3. Send a Cease & Desist Notice
   Under the FDCPA, you can demand that they stop contacting you. After receiving a valid written request, they must cease collection calls (except to inform you about certain legal rights).

4. Contact an Attorney Experienced in Consumer Rights
   A lawyer can help enforce your rights, file necessary claims, stop harassment, and recover damages.

Why Choose Consumer Rights Law Firm PLLC?

• Specialized Consumer Protection Expertise — we focus on debt collection harassment, so we know how to spot violations and enforce your rights.

• No Upfront Costs — you pay nothing unless we win your case.

• Strong Track Record — we’ve helped many clients sue abusive collectors and obtain relief.

• Compassion and Respect — our clients get personal attention, confidentiality, and support throughout the process.

Take Action Now — Don’t Let Absolute Financial Services Harass You

If Absolute Financial Services, LLC is sending deceptive or threatening calls, misrepresenting its authority, or demanding payment of debts you don’t owe, you don’t have to suffer in silence. You have legal recourse, and we’re ready to help you enforce it.

📞 Call Consumer Rights Law Firm PLLC today: (978) 212-3300
📩 Or submit your case online for a free evaluation — no cost unless we win.

You deserve peace, respect, and justice. Let us help you get them.