Absolute Financial Services: What to Know About Phone Harassment & Illegal Practices

If Absolute Financial Services has been calling you repeatedly, using threats, or pressuring you without providing proof of the debt, you should know: the law offers protections. This article explains what actions by debt collectors cross the line, what rights you have, and how to respond if Absolute Financial Services has crossed legal boundaries.

Who Is Absolute Financial Services?

Absolute Financial Services (AFS) is a debt collection company that has been involved in significant legal scrutiny. According to an FTC enforcement action, AFS was accused of using deceptive robocalls, falsely claiming legal consequences, and misrepresenting their identity to collect debts—even those not legitimately owed. 

In fact, the FTC permanently banned AFS and some of its affiliated entities from participating in debt collection due to violations

What Behavior is Considered Harassment

Harassment in this context includes actions that go beyond normal collection attempts and instead include:

  • Repeated phone calls, especially if many occur in a short time

  • Calls at unreasonable hours (before 8 a.m. or after 9 p.m.)

  • Using threatening language or claiming you’ll face arrest or lawsuits when not legally valid

  • Misrepresenting the nature of the debt or themselves (e.g., claiming they’re a law firm or government entity)

  • Failing to validate the debt when asked to provide proof

  • Disclosing your debt to others who are not legally entitled to know

If Absolute Financial Services is doing any of the above, these practices may violate the Fair Debt Collection Practices Act (FDCPA) and other consumer protection statutes. 

Your Legal Rights

Under the FDCPA

The FDCPA gives you rights such as:

  • The right to validation: you can request proof of the debt (who the original creditor is, the amount, etc.). Collectors must provide this after your request.

  • The right to be free from harassment: collectors cannot use abusive or threatening language, cannot call at odd hours, and cannot mislead you about their legal power.

  • The right to cease communications: you can send a cease & desist request, and after receipt, the collector must limit further communication per the law.

If AFS violates these FDCPA protections, you may be entitled to statutory damages (up to $1,000), actual damages, and attorney’s fees and costs. 

Official Enforcement Actions

  • In 2021, the FTC filed a lawsuit against AFS for collecting more than $5.2 million using illegal and deceptive debt collection practices.The company and its affiliates were permanently banned from engaging in debt collection under false pretenses and misrepresentation.

What You Should Do If You’re Being Harassed

1. Document Every Interaction

Keep detailed records of calls: note the date, time, what was said, who called, and any threats made. Save messages, texts, letters, and any vodafone numbers or blocked calls. Evidence is crucial if you take legal action.

2. Request Debt Validation

Send a written request asking Absolute Financial Services to validate the claimed debt. Include your name, account number (if provided), and ask for documentation proving the debt’s legitimacy.

3. Send a Cease & Desist Letter

You can formally request that they stop calling you (except for legally required communications). Once they receive the cease & desist request, further calls (outside what the law allows) may be illegal.

4. Report Their Actions

  • File a complaint with the Federal Trade Commission (FTC)

  • File complaints with your state Attorney General’s office

  • This FTC case is a strong precedent showing that regulatory bodies take such violations seriously. 

5. Consult a Consumer Rights Attorney

If harassment persists, an attorney who specializes in debt collection law can help you enforce your rights. You may be eligible for damages and attorney’s fees—especially given that AFS is already under permanent ban for deceptive practices. 

Natural Anchor with Your Link

If you're dealing with persistent, unlawful calls from Absolute Financial Services, know that you are not alone and that legal relief exists. Understand your rights and learn how to proceed with Absolute Financial Services Phone Harassment.