Sued by Client Services Inc.? We'll Negotiate to Reduce What You Owe
Client Services Inc. is a debt collection agency that collects on behalf of various creditors, including banks, credit card companies, and utilities. They have been the subject of CFPB complaints for their communication practices and have been involved in FDCPA litigation. Client Services is known for aggressive phone-based collection campaigns.
Type
Collection Agency
Common Debt Types
credit card, utility, medical, telecom
Common FDCPA Violations by Client Services Inc.
Calling consumers repeatedly to the point of harassment
Leaving voicemail messages that disclose debt information to third parties
Failing to send a written validation notice after initial contact
Making false or misleading statements about the consequences of non-payment
Contacting consumers known to be represented by an attorney
Your Situation With Client Services Inc.
If Client Services Inc. Has Not Sued You Yet
You have more leverage. Act now — this is the best time to negotiate.
- Pre-suit negotiations typically get better settlements
- If you are within 30 days of first contact, we send a debt validation letter
- Statute of limitations may bar the debt entirely
If Client Services Inc. Has Already Filed a Lawsuit
Do not wait. The collector expects 70-80%, but we still push for less.
- You typically have a 30-day response deadline
- Missing the deadline can result in a default judgment
- Attorney negotiation still reduces the amount significantly
How We Handle Client Services Inc. Cases
- Free case review. Tell us about the debt and whether you have been sued. We check the statute of limitations, screen for FDCPA violations, and determine if debt validation applies — at no cost.
- Debt validation (if applicable). If you are within 30 days of Client Services Inc.'s first contact, we send a debt validation letter via certified mail. This forces them to pause collection and prove the debt is valid.
- We evaluate your defenses. Common defenses against Client Services Inc. include statute of limitations, lack of standing, incorrect amount, and FDCPA violations.
- Our attorney negotiates directly with Client Services Inc.. We contact the collector, present your financial hardship, and negotiate a reduced settlement. We start at 40-50% and push for the lowest amount possible.
- Written settlement agreement. We get everything in writing before you pay — exact amount, payment deadline, dismissal with prejudice (if sued), and full release of claims.
- FDCPA counterclaim if applicable. If Client Services Inc. broke the law, our attorney can countersue at no cost to you — the collector pays.
Your Rights When Sued by Client Services Inc.
Right to demand proof they own the debt
Right to dispute the amount claimed
Right to raise statute of limitations defense
Right to countersue for FDCPA violations
Sued by Client Services Inc. in Your State?
Frequently Asked Questions About Client Services Inc.
Who is Client Services Inc.?
Client Services Inc. is a third-party debt collection agency. They collect debts on behalf of other companies and must follow the FDCPA in all their collection activities.
How do I stop Client Services from calling?
Send a written cease-and-desist letter via certified mail. Under the FDCPA, they must stop calling after receiving your request.
Can I sue Client Services for harassment?
Yes. If they are calling excessively, at prohibited times, or making false statements, these are FDCPA violations. You can recover up to $1,000 in statutory damages plus actual damages and attorney fees.
What if Client Services is collecting the wrong amount?
Dispute the amount in writing and demand an itemized accounting. If the amount is incorrect, this is a violation of the FDCPA.
Reviewed by Ariella, Esq. This information is for educational purposes and does not constitute legal advice.
Get Your Free Client Services Inc. Case Review
Our attorney negotiates directly with Client Services Inc. to reduce what you owe. Free consultation — no obligation.
Free case review. No obligation. No upfront cost.