October 14, 2025 11:54 AM PDT
Amerifinancial Solutions Phone Harassment: Know Your Righ
ts
If Amerifinancial Solutions has been calling you persistently—sending repeated messages, threatening lawsuits, or refusing to validate a debt—you’re not without legal protection. Debt collectors must obey the Fair Debt Collection Practices Act (FDCPA), which prohibits harassment, abuse, or misleading behavior in collection efforts. If Amerifinancial Solutions crosses those lines, you have rights and remedies.
Common Harassing Behaviors by Amerifinancial Solutions
Watch for these red flags, which may indicate unlawful collection practices:
Multiple calls per day or frequent calls over weeks
Calls early in the morning or late at night
Threats of legal action, wage garnishment, or credit reporting without basis
Contacting your family, employer, or neighbors about your debt
Using profane, abusive, or intimidating language
Refusing to provide written validation when you request it
Continuing contact after a written cease-and-desist notice
These tactics can create stress, intrude on your privacy, and violate federal law.
Steps to Protect Yourself from Harassment
Document Everything
Record date, time, caller number, and conversation details for each contact. Save voicemails and texts.
Request Debt Validation
Send a written notice to Amerifinancial Solutions demanding they prove the debt’s authenticity, original creditor, and current balance.
Send a Cease-and-Desist Letter
Under the FDCPA, once they receive your written request to stop communication, they must limit or cease contact.
File Complaints
Submit complaints to the Consumer Financial Protection Bureau (CFPB) or your state Attorney General’s consumer protection division.
Consult a Consumer Rights Attorney
If Amerifinancial Solutions violated your rights, you may file a lawsuit to recover damages, including legal fees.
For more detailed guidance on how to handle collection harassment from this agency, see our full resource on Amerifinancial Solutions phone harassment
.
You deserve respect, fair treatment, and peace of mind. Don’t let illegal debt collection calls go unanswered—take action now.