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LTD Financial Services

With Texas offices in Houston and San Antonio, LTD Financial Services was founded in 1993 and employs over 800 people. It boasts that it is among the top 25 debt collection agencies in the U.S. LTD Financial Services offers both first- and third-party collection services, and says that it uses state of the art collection and skip-tracing tools in an “attempt to bring a sense of urgency to the consumer to raise the dollars necessary to satisfy the account.” The sense of urgency is likely triggered by LTD Financial Services debt collectors, who are offered bonuses and contests as incentives to collect every last dollar.

LTD Financial Services Complaints

As of March 2013, the Better Business Bureau gave LTD Financial Services an A rating, and had logged 86 closed LTD Financial Services complaints within the previous three years, including 19 closed LTD Financial Services complaints within the previous 12 months. In the last half of 2012, LTD Financial Services had been sued over a dozen times in federal court over allegations that the debt collection agency had violated the Fair Debt Collection Practices Act or Fair Credit Reporting Act.

Stop LTD Financial Services Harassment

If LTD Financial Services – or any other debt collection agency – contacts your family members, friends, or coworkers and shares information about a debt that you owe, it is a violation of the Fair Debt Collection Practices Act. No one has the right to know about your personal financial situation, and that includes your family and friends, and sometimes your spouse. If your family has been given information via letter or telephone about your specific debt, you should contact a fair debt attorney. You should also send a cease and desist letter to the debt collection agency. While it is legal for a debt collection agency to contact people you know in an attempt to find you, it is not legal for them to disclose any information about your debt.

Debt collection agencies often get away with violating the FDCPA because consumers are afraid to take action. Do not be afraid to fight back, especially when the company is breaking the law. Your personal information is just that – personal – and if you’ve been the victim of illegal debt collection tactics, you deserve justice.

LTD Financial Services Contact Information

LTD Financial Services, LP
7322 Southwest Freeway Suite 1600
Houston, TX 77074


One thought on “LTD Financial Services
  1. Have a Tractor Supply credit card that I fell behind on payments. Made arraingements with LTD to take 6 by-weekly payments for $60 then re-evaluate They keep takeing the payments anyway although they are not authorized. I have now lost my job and they have cost me OD charges on my checking account. I also am having issues with One Main Financial, made a deferred payment which wa to add an additional payment at the end of term yet it took 6 months to show my balance to change…so it looks like it will add 6 more payments not 1!!!

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