Stop Cedar Financial Harassment
Debt collectors like Cedar Financial cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.
THE BEST PART IS…
If Cedar Financial violated the law, you will get money damages and they will pay your attorney’s fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.
Who is Cedar Financial?
Cedar Financial is a debt collection agency based in Calabasas, California. Founded in 1991, it has been accredited by the Better Business Bureau (BBB) since 2006.
Cedar Financial operates both within the U.S. and internationally.
Cedar Financial’s Address, Phone Number, and Contact Information
Cedar Financial’s Google-listed address is 5230 Las Virgenes Road, Suite 210, Calabasas, CA 91302. The main telephone number is 800-804-3353 and the main website is www.cedarfinancial.com/.
Phone Numbers Used by Cedar Financial
Like many debt collection agencies, Cedar Financial may use many different phone numbers to contact debtors. Here are some phone numbers Cedar Financial may be calling you from:
Cedar Financial Lawsuits
If you want to know just how unhappy consumers are with Cedar Financial, take a look at the lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER is the U.S.’s federal docket that lists federal complaints filed against a wide range of companies. A search for the agency will display over 20 lawsuits filed in the U.S., and these typically involve violations of consumer rights and/or the Fair Debt Collection Practices Act (FDCPA).
Cedar Financial Complaints
The Fair Debt Collection Practices Act (FDCPA) is a federal law that applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If Cedar Financial is harassing you over a debt, you have rights under the FDCPA.
The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if Cedar Financial violates the TCPA. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.
The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If Cedar Financial took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Cedar Financial, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 - $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did Cedar Financial continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to? If so, we can discuss your rights and a potential case under the EFTA.
The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If Cedar Financial is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.
Several states also have laws to provide their citizens with an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 - $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have the leverage to obtain a great settlement.
How do we Use the Law to Help You?
We will use state and federal laws to immediately stop Cedar Financial’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Cedar Financial violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorney’s fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.
THAT’S NOT ALL…
We have helped thousands of consumers stop phone calls. We know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorney’s fees and costs.
What if Cedar Financial is on my Credit Report?
Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.
THE GOOD NEWS IS…
If Cedar Financial is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.
If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorney’s fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.
Complaints against Cedar Financial
Here are some of the Better Business Bureau (BBB) reviews and complaints against Cedar Financial:
- “I was sent a notice of collection for a traffic citation from Italy. I was in Italy almost two years ago and never received a traffic citation. I never encountered any police in Italy, nor did I receive any traffic citations. This company sent me a notice of collection for $754.79. When I called the number on the notice, I asked for the business I was calling and the man said he couldn't tell me and I would have to give him my information. This appears to be fraud.”
- “I went to Italy over 18 months ago and received this random notice from Cedars Business Services that I owe money for a traffic violation - SCAM! What a scam company! You should be ashamed of yourself. I went to Italy over 18 months ago and received this random notice from Cedars Business Services that I owe money for a traffic violation in Pisa - I was never there!”
- “This business is trying to collect for an alleged driving ticket issued in Italy and unknown to me. Therefore, never properly notified. Cedars contacted me the first time approximately four months ago and claimed I owed money for a speeding ticket issued by a speeding camera in Italy back in 2015. I have no knowledge of this ticket and I have asked Cedars by phone and by certified - return receipt dispute letter to provide me with a copy of the alleged citation and all other related documents - including all papers, photos, and correspondence, and ultimately a certified mail notification signed by me or person authorized by me within 300 days from the date of the alleged violation, as required by the Italian laws. As of today, I have not received any supporting documentation. However, yesterday, at almost 9 pm, I have received another harassing call from a Cedar's agent trying to collect a ridiculous amount of money from me. They are obviously violating the Fair Debt Collection Practices Act by not providing enough valid supporting documentation.”
What Our Clients Say About Us
“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”
“Agruss Law Firm was very helpful, they helped me solve my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”
“Agruss Law Firm was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling altogether!! Even settled it so I was paid back for the problems they caused!”
Can Cedar Financial Sue Me?
Although anyone can sue anyone for any reason, we have not seen Cedar Financial sue consumers, and it’s likely that the agency does not sue because they don’t always own the debt they are attempting to collect, and would also need to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If Cedar Financial has threatened to sue you, contact Agruss Law Firm, LLC as soon as possible.
Can Cedar Financial Garnish my Wages?
No, unless they have a judgment. If Cedar Financial has not sued you, then the agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen this agency file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If Cedar Financial has threatened to garnish your wages, contact our office right away.
Cedar Financial Settlement
If you want to settle a debt with Cedar Financial, ask yourself these questions first:
- Do I really owe this debt?
- Is this debt within the statute of limitations?
- Is this debt on my credit report?
- If I pay this debt, will Cedar Financial remove it from my credit report?
- If I pay this debt, will the original creditor remove it from my credit report?
- If I pay this debt, will I receive confirmation in writing from Cedar Financial for the payment and settlement terms?
These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with Cedar Financial, we at Agruss Law Firm are here to help you.
Top Debt Collection Violations
Debt collection laws provide a laundry list of what collectors can and cannot do while collecting a debt. Based on our years of experience handling thousands of debt collection harassment cases, here’s what collection agencies most often do to violate the law:
- Called you about a debt you do not owe.
- Called you at work after you told them you cannot receive calls at work.
- Left you a message without identifying the company’s name.
- Left you a message without disclosing that the call is from a debt collector.
- Called third parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.
- Disclosed to a third party (family, friends, coworkers, or neighbors) that you owe a debt.
- Contacted you after you said to stop calling.
- Threatened you with legal action (such as a lawsuit or wage garnishment).
- Called you before 8:00 AM or after 9:00 PM.
- Continued to call you after you have told the collector you cannot pay the debt.
- Communicated (phone or letter) with you after you filed for bankruptcy.
- Failed to mark the debt on your credit report as disputed after you disputed the debt.
Frequently Asked Questions
Do I have to pay your fees and costs for helping me with my consumer rights case? No. We handle consumer rights cases based on a fee-shift provision and/or a contingency fee. That means either the other side pays your fees and costs, or we take a percentage of your recovery. Whether it’s a fee-shift case or a contingency-fee case, we don’t get paid unless you get paid, and you’ll never owe us a penny for our time.
What are the damages I can get under the Fair Debt Collection Practices Act? If a collection agency violates any section of the FDCPA, you are entitled to damages up to $1,000.00. You may also be entitled to actual damages if the violation caused you out-of-pocket expenses. For example, if a collection agency threatens you with legal action to induce you to pay the debt, you may be able to get your payment back as actual damages.
What are the damages under the Telephone Consumer Protection Act? You can get $500 per robocall, or $1,500 per robocall if the robocalls were willful. In any type of settlement, Defendants often pay much less than $500 per call. However, if there are 50 calls at issue, even at $250 per call, your case could settle for $12,500.00.
What type of debt is covered under the Fair Debt Collection Practices Act? Only consumer debt, such as personal, family, and household debts. For example, the money you owe on a personal credit card, an auto loan, a medical bill, or a utility bill. The FDCPA does not cover debts you incurred to run a business, or debts regarding unpaid taxes, or traffic tickets.
Does the Fair Debt Collection Practices Act apply to banks or credit card companies? No. Only third-party debt collectors are bound by the FDCPA. Original creditors, such as banks and credit card companies, are not bound by the FDCPA.
Are there state laws that protect me from original creditors? Yes! Several states also have laws that provide their citizens with an additional layer of protection. If you live in California, Connecticut, Florida, Kansas, Massachusetts, Michigan, Missouri, Montana, North Carolina, Nevada, Oklahoma, Pennsylvania, Texas, or Wisconsin, you have additional state-law rights.
Are mistakes on credit reports common? Yes! Are you one of the 40 million Americans who have a mistake on their credit report? Mistakes on your credit report can be very costly. Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft.
- What do I do if I have a mistake on my credit report? If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information. If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. To speed up the process, please get a free copy of your credit report at www.annualcreditreport.com. You can also learn more about the FCRA and your rights at http://www.agrussconsumerlaw.com/practices/common-credit-report-errors/.
Share your Complaints against Cedar Financial Below
We encourage you to post your complaints about Cedar Financial. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!
HERE’S THE DEAL!
If you are being harassed by Cedar Financial over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 - $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt collector pays your attorney’s fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all.
Phone Numbers Used By Cedar Financial
Submit a Complaint filed by: Quynhover 3 years ago
Traffic violation for $447.26 for an infraction in 2013 where I rented the car but was not the driver. Cedar is demanding $817.27!
Submit a Complaint filed by: Miaover 3 years ago
I traveled italy 2014. And I’m US citizen but since Jan/1/ 2015 , i have been staying in Germany with my boyfriend. I did not even know that I got caught from camera in itlay. Cedar financial said they sent the emails to my US address whole 2018 but I never received any letters because I was not in USA. Recently they found my daughter who live in San diego and tell her that I owed $2,700 for 6tickets which is unbelievable. So she told me to contact them so I emailed them and explained that I received any letters from you and I would pay immediately if you charge me only $500. And he emailed me back and said that he would get a reduction but few days later, he did not want to get a reduction... i don’t know why. He keep asking me that whether you pay in full or just simply refuse it. So I keep saying tjat I’m willing to pay but give me a reduction because he offered me first. And I studied my tickets and camera took picture almost same spot few times . It was orignally $132.46*6 but after incrased fine which was $213.96*6= 1,283.76 and now cedar financial ask me to pay$2,700... I can’t believe this amount. Is it legal that cedar financial charge it double? I’m MD residence. Thanks, Mia!
Submit a Complaint filed by: Sergeyalmost 4 years ago
Hello, I've got call from Cedar Financial time ago. They have two tickets from Rome, Italy happened in 2016. They want $380 for each ticket. I tried negotiate with them but they do not want reduce cost and ask only credit card to pay tickets. What can I do with this problem!
Submit a Complaint filed by: ALIalmost 4 years ago
Cedar is harassing me about a debt I owe in Italy.
Submit a Complaint filed by: Visitorabout 5 years ago
I received letters from Cedar Financial. I received 2 letters claiming that I've received tickets in Italy and that Cedar Financial were hired to collect their money. I never gave my SSN to anyone, would they be able to still hurt my credit!
Submit a Complaint filed by: Danielalmost 6 years ago
Took a two year teaching contract at an International School in Kuwait. My wife taught math, I was the principal of the Middle School. We took a car loan from Gulf Bank. It was only possible if the school guaranteed their contractor with us (30,000). We paid on it for one year. The school administrators (business manager and superintendent were both fired at the end of the first year; but not before they tried to discredit me, creating a hostile work environment and making a false allegation against me: talking gibberish about Mohammad; published the charge by putting out fliers at the school. My second year contract was cancelled making it impossible for us to stay. I had to finance my return ticket. The loan was in Arabic. We agreed based on the school assurance of employment. The loan was sent to Cedar Finacial and they reported it to the credit bureaus. Recently they have enlisted Transnational to step up the harassment (tseveral calls daily). The 6 year statue must be running out so they are increasing the calls. I sent the word to Cedar as I laid out above. The harassment stopped briefly then started up again. I probably needed to file wrongful discharge of employment. I was disabled before going to Kuwait and could not get employment in my field of teaching. I taughtv for three years in Kuwait at other schools. I am currently on disability and have had surgeries trying to get back to work. We went two years without any income after returning to the US early. The original loan contract was not in English but in Arabic. I read on Cedar Financial web site that their services are non legal. Can you help and how?
Submit a Complaint filed by: AELabout 6 years ago
Cedar is calling me about a debt I owe to an online university. They continue to call my wife even though she asked them to stop calling. I called them and made an offer for payoff. The gentleman told me he was not going to bother taking that offer to his client because it was too low. When I asked him to please make the offer to his client anyways he told me no he was NOT going to. Is this legal?
Submit a Complaint filed by: Sethabout 6 years ago
Received notice from Cedar Financial about some unpaid ticket I was unaware of, 2 years since visiting Italy. I asked for some verification, and they sent some images of the auto camera picture and my rental agreement, which they must have gotten from Hertz or the Italian authorities. I don't know if the claim is legit, and have no recourse to appeal in Italy from here in the U.S. In addition, the original ticket, according to them, was for about 135 eu, and now they want around 275, for late fees/penalties, whatever. I have zero intention of paying, but if you folks can get rid of them and make a few bucks, without cost to me, I am all for it. Thanks.
Submit a Complaint filed by: Mohamad Nagyover 8 years ago
Hi I keep on receiving calls from them everyday
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