Constar Financial Services is a collection agency that contact-center company Empereon Marketing launched in 2007. At launch, it said it was targeting auto lenders and other consumer finance companies, with a focus on early-stage delinquent accounts.
- Type
- Collection agency
- Also known as
- Constar Financial Services, LLC
- Collects
- auto loans, consumer finance accounts
39 debt collection complaints were sent to the Consumer Financial Protection Bureau about Constar Financial Services, LLC from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Constar Financial Services?
Constar Financial Services is a collection agency affiliated with Empereon Marketing, LLC, a contact-center company that served newspaper, cable and broadband clients. According to an October 2007 report in insideARM, an accounts receivable industry publication, Empereon "expanded this week into the collections market with the launch of Constar Financial Services." The report said Constar would use Empereon's call-center technology and operate from regional call centers. The CFPB complaint database lists the company as Constar Financial Services, LLC. We were not able to confirm its current headquarters or official website from a primary source, so check the address and phone number on any letter you receive before you respond.
Why Constar Financial Services May Be Contacting You
When it launched, Constar said it was "targeting automotive lenders and other consumer finance firms," and its marketing chief described early-stage delinquencies as an area it specializes in. An early-stage account is one that is behind but has not yet been charged off. If Constar calls about a car loan or another installment loan, it may be working for the lender while the account is still open. That matters: on a current account, the lender may still accept a payment arrangement or a deferral directly, and missed payments may also put a vehicle at risk of repossession. The lender named in Constar's contact is the company to confirm the account with.
How to Check a Debt Constar Financial Services Says You Owe
- Confirm the lender and account directly. Log in to your lender's site or call the number on your own statement to confirm the past-due amount and that Constar is authorized to collect it.
- Get validation information. A third-party collector must send a notice naming the creditor, itemizing the amount and giving a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within that period if the amount or account is wrong.
- Check late fees. Compare any late charges with what your loan contract allows.
- For older accounts, remember that Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states have their own rules.
What Constar Financial Services Can and Can't Do
A third-party agency collecting consumer accounts for lenders is a debt collector under 15 U.S.C. § 1692a(6). That status comes from collecting debts owed to someone else; a lender collecting its own loans in its own name generally falls outside that definition. For Constar:
- It must identify itself as a debt collector when it calls or writes (15 U.S.C. § 1692e(11)).
- It cannot threaten repossession unless the lender actually has the right to repossess and intends to (15 U.S.C. § 1692f(6)).
- High-volume call centers are still bound by Regulation F's seven-calls-in-seven-days presumption (12 C.F.R. § 1006.14(b)(2)).
- It must stop calling at inconvenient times or at work once you tell it to (15 U.S.C. § 1692c(a)).
We did not find a CFPB enforcement action against Constar Financial Services. See our Texas FDCPA attorneys page for how we evaluate collector conduct.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Constar Financial Services or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- insideARM: Empereon launches Constar collections group (Oct. 18, 2007)
- CFPB enforcement actions list
- CFPB Consumer Complaint Database: Constar Financial Services, LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Constar Financial Services has violated any law. Company details change; tell us if something here is out of date.