Starmark Financial: Who They Are and Your Rights

Type

Debt buyer and servicer

Also known as

Starmark Financial LLC; Starmark

Headquarters

Deerfield Beach, FL

Collects

credit card debt, consumer loans, auto loans, fintech loans

Phone numbers it lists

(888) 447-0002, (833) 697-6700

Website

starmarkfin.com

297 debt collection complaints were sent to the Consumer Financial Protection Bureau about Starmark Financial 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 Starmark Financial?

Starmark Financial LLC calls itself a national technology company that services current and non-performing receivables and also buys them. Its website says it was founded in 2021 by CEO Brett Silver, and that it is headquartered at 800 Fairway Drive, Suite 190, in Deerfield Beach, Florida, with a second office in Trevose, Pennsylvania.

The company publishes NMLS number 2147720 and a Receivables Management Association International certification, and posts copies of a South Carolina supervised lender license and an Illinois sales finance company license. It describes itself as "a national debt buyer."

Why Starmark Financial May Be Contacting You

Starmark says it buys current and certain non-performing credit card, consumer, auto and fintech loans. If Starmark contacts you, the likeliest explanation is that it purchased an account you once had with a card issuer, an online or app-based lender, or an auto lender, and it is now collecting the balance for itself. It also says it services accounts for others, so in some cases it may be working an account that another company owns.

Starmark's consumer toll-free number is (888) 447-0002. It lists a separate line, (833) 697-6700, for its department that works with debt settlement companies. Its payment portal is at paystarmark.com.

How to Check a Debt Starmark Financial Says You Owe

When a debt has been sold, the paper trail between you and the new owner is what matters. Use the validation process to see it.

• Read the validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). For a purchased debt it should name the original creditor, the current owner and an itemization date, and show interest, fees, payments and credits since then.
• Dispute in writing within the validation period and ask for the chain of title: the bill of sale and the account-level record showing your account was part of the portfolio Starmark bought.
• Compare the balance with your last statement from the original lender. If interest was added after the sale, ask what contract term allows it.
• For an auto loan, ask for the repossession notices and the sale accounting that produced any deficiency balance.
• Check the date of default. In Texas, the general limit to sue on a debt is four years (Tex. Civ. Prac. & Rem. Code § 16.004), and as a debt buyer, Starmark can't sue or start arbitration on a time-barred consumer debt (Tex. Fin. Code § 392.307); a payment doesn't revive it. See our note on the Texas time-barred debt law. Other states have their own deadlines.

What Starmark Financial Can and Can't Do

A debt buyer that collects its own accounts isn't covered by the FDCPA's "owed to another" definition after Henson v. Santander Consumer USA Inc., 582 U.S. 79 (2017), but it is a "debt collector" if collecting debts is its principal purpose (15 U.S.C. § 1692a(6)). Courts decide that question by looking at how central collecting debts is to the company's business; when it services accounts owned by others, it is collecting debts "owed to another." The Texas Debt Collection Act also applies to debt buyers. In practice:

• It can't threaten or file suit on a time-barred debt (12 C.F.R. § 1006.26(b)).
• It can't misstate the amount owed or add charges your original agreement didn't allow (15 U.S.C. §§ 1692e(2), 1692f(1)).
• Calls are capped at seven in seven days on a debt (12 C.F.R. § 1006.14(b)(2)).
• If it sues and wins in Texas, it still can't garnish wages for a credit card or consumer loan debt.

If you've been sued by a debt buyer, see our debt lawsuit questions. If Starmark's conduct crossed a line, our FDCPA attorneys can review it.

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 Starmark Financial 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

• Starmark Financial: home page and licenses
• Starmark Financial: Company & leadership
• Starmark Financial: We buy consumer debt
• CFPB Consumer Complaint Database: Starmark Financial LLC, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Starmark Financial has violated any law. Company details change; tell us if something here is out of date.