The Best Service Company: Who They Are and Your Rights

Type

Collection agency

Also known as

The Best Service Co., Inc.; The Best Service Co.,Inc

Headquarters

Culver City, CA

Collects

bank loans and credit accounts, credit union loans and credit accounts

Phone numbers it lists

(877) 237-8500

Website

thebestservicecompany.com

134 debt collection complaints were sent to the Consumer Financial Protection Bureau about The Best Service Co.,Inc 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 The Best Service Company?

The Best Service Company, whose legal name appears on its website as The Best Service Co., Inc., is a collection agency in Culver City, California. The company says it was originally founded in 1931 and is family-owned. It lists its office at 6700 S. Centinela Avenue, Floor 3, Culver City, CA 90230, and says it is licensed to handle accounts throughout the United States. It is a member of ACA International and the California Association of Collectors.

The company's published phone number is (877) 237-8500 (TTY users can dial 1-800-833-7833). Its stated hours are Monday through Thursday 8 a.m. to 7 p.m., Friday 8 a.m. to 5 p.m., and Saturday 8 a.m. to noon. We did not find a CFPB enforcement action against The Best Service Company.

Why The Best Service Company May Be Contacting You

According to its website, the company provides debt collection "with litigation included," primarily for national, regional and local banks and credit unions. So a call or letter is most likely about a loan, credit card, overdrawn account or line of credit from a bank or credit union you've done business with. If you've had a vehicle repossessed, an account overdrawn, or a loan charged off at a bank or credit union, that account is a likely candidate. Because the company advertises litigation as part of its service, a letter may also come from or mention attorneys working with it.

How to Check a Debt The Best Service Company Says You Owe

Bank and credit-union accounts usually come with good records, so get them and compare.

• Read the validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). It should name the bank or credit union and give the balance on the itemization date (often the charge-off date) and every interest charge, fee, payment and credit since.
• For a repossessed vehicle, ask for the sale notice and the accounting showing what the car sold for and how the deficiency was calculated. Those documents often reveal errors.
• For an overdrawn checking or share account, ask for the statements showing how the negative balance built up.
• Send a written dispute within the validation period if anything is off, and ask whether the bank still owns the account or has sold it.
• Check the date of default. Texas generally allows four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and if the account was sold, debt buyers can't sue on time-barred consumer debt in Texas (Tex. Fin. Code § 392.307). California and other states have their own periods.

What The Best Service Company Can and Can't Do

As an agency collecting for banks and credit unions, it is a "debt collector" under 15 U.S.C. § 1692a(6). In California it is also subject to the Rosenthal Fair Debt Collection Practices Act. Points to remember:

• A lawsuit threat must be real. A collector may not threaten suit unless its client actually intends to sue (15 U.S.C. § 1692e(5)).
• If the account goes to court, a judgment is needed before the creditor can use most collection remedies. In Texas, ordinary consumer debts can't be collected by wage garnishment (Tex. Const. art. XVI, § 28), though bank accounts can be at risk after a judgment.
• Calling you at work after you've said your employer doesn't allow it is prohibited (15 U.S.C. § 1692c(a)(3)).
• More than seven calls in seven days about one debt is presumed to be harassment (12 C.F.R. § 1006.14(b)(2)).

If you've been sued over a bank or credit-union debt, read our debt lawsuit questions. For collector misconduct, contact our FDCPA attorneys.

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 The Best Service Company 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

• The Best Service Company: Home, About and Contact
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: The Best Service Co.,Inc, debt collection

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