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Have you received a letter, telephone call, or other contact from the debt collection agency LTD Financial Services LP in connection with an old credit card, medical, or student loan debt? Are you concerned about the creditor bringing a lawsuit against you and potentially having your bank account frozen or wages garnished in connection to a judgment?

You have rights! Defenses to your debt may exist, and you may be able to fight, discharge, or even settle the debt at a reduced amount in a lump sum or in monthly payments.

At the Law Office of Simon Goldenberg PLLC, our lawyers help people resolve their debts. We defend consumers from debt collector lawsuits and protect them from unlawful collection activity. Even if your wages are being garnished, or your bank account is frozen, it may not be too late to get help. We are a debt relief law firm, and can advise you as to all legal options which may include debt defense, debt disputing, debt settlement, and bankruptcy.

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Background Information on LTD Financial Services LP

LTD Financial Services LP is a debt collection agency founded in 1993 that provides first and third party collection services to creditors. The company's corporate headquarters are located in Houston at 7322 Southwest Freeway Suite 1600, Houston, TX 77074. A satellite office was opened in San Antonio in 2005. They are operate in multiples states, including collecting debts from cosumers in New York.

LTD Financial Services LP has collected on accounts from financial institutions such as Citibank, Chase Bank, and Discover Bank, and has a track record for working with United Guaranty Corporation to collect on defaulted private student loans. Every year, LTD Financial Services collects on over a million consumer accounts.

According to the Better Business Bureau, LTD Financial Services LP was incorporated as a limited-partnership business in Texas in 1993. They have been a BBB accredited business since 1995. Their principal owner is listed as Mr. Leonard Pruzansky and their compliance manager is listed as Brooke Fredrich. In the past 3-years, the bureaus reports that 36 complaints have been closed in the past 3-years, of which, 7 complaints have been closed in the past 12-months as of the date of publishing this page. Most of the complaints against LTD Financial Services LP are listed as pertaining to issues relating to billing and collection issues, with a small minority of complaints pertaining to problems with the product or service.

In 2007 the Federal Trade Commission filed a complaint against LTD Financial Services LP, charging them with using misleading, threatening, and harassing debt collection practice. The allegations include violations of the FTC Act and the Fair Debt Collection Practices Act. Their collectors, speaking in either Spanish or English, would falsely threaten that a failure to pay will result in LTD Financial seizing their property, garnish thei wages, or even possibly file criminal actions - none of which LTD Financial was authorized to do with respect to the collection of these debts. They were also accused of third-party disclosure of the debt, calling a workplace after being given notice to cease, calling at inconvenient times, and sometimes using profany or racial slurs. LTD Financial entered into a consent decree with the FTC to pay a $1.375 million civil penalty to settle the allegations of unlawful debt collection activities.

Sample Cases Represented by the Law Office of Simon Goldenberg*

On behalf of our Client's, our lawyers have fought and resolved many cases with the debt collectors and agents at LTD Financial Services LP. An experienced debt settlement lawyer may be able to help resolve unsecured debt within the realm of a settlement at a reduced amount. Some client's matters result in quite a substantial savings compared to the actual balance. Each case and client is unique, and results vary, so it is important to have your matter evaluated by an attorney to understand your potential rights and remedies with respect to your particular debt.

In the Matter of N.R., the client received a collection letter from LTD Financial Services LP regarding a debt originally owed to Discover Bank in the amount of nearly $12,000.00. Through the assistance of our debt relief lawyers, our client was able to enter into a settlement on the debt with LTD Financial Services LP for $2,500.00, which amounts to a reduction of 80% of the outstanding debt and a savings of $9,330.70.

In the Matter of M.M., the client had an oustanding balance on a citibank private student loan in the amount of $3650. LTD Financial was assigned to collect on this debt. Our attorneys assisted the client in negotiating a settlement of $914, which is a savings of over $2700 and a debt reduction of 75%. This client also owed Citibank $22,500 on a separate student loan. Our law firm achieved a settlement of $7510 (in payments) to settle the full balance, which is a savings of about $15,000.

In the Matter of C.K., the client received a collection letter from LTD Financial Services LP regarding a debt originally owed to Citibank in the amount of $2,097.90. Our debt attorneys conducted due diligence on the validity of the debt and subsequently helped negotiate a settlement in the amount of $524.48, which is 25% of the original balance and a savings of $1,573.42.

In the Matter of N.R., the client received a collection letter from LTD Financial Services LP regarding a debt originally owed to Discover Bank in the amount of $14,022.15. Our office was able to help the client negotiate a settlement on the debt owed to LTD Financial Services LP for $2,500.00, which amounts to less than 18% of the outstanding balance and a savings of $11,522.15.

Are you interested in fighting, discharging or settling your debts?

If you're being faced with a debt collection matter with ­­­­­­­­­­­­­­LTD Financial Services LP, call the experienced new york debt relief attorneys at our office for a free phone evaluation. You have rights that protect you from wrongful debt collection practices under both state and federal law. Consumers in New York City have protections under the local new york regulations that go above and beyond the federal consumer laws.

Our New York Debt Settlement Lawyers are well versed in the multiple avenues of debt relief , and can help you find a resolution that fits best for your goals.

LTD Financial Services LP act as debt collectors on behalf of some or all of these creditors: Citi Bank, Chase Bank, Discover Bank, and United Guaranty Corporation. They collect on delinquent credit card debts and on defaulted private student loan debts.

*Each case is unique. Prior results do not guarantee future performance. The case summaries listed on this website are sample cases, they do not reflect the entirety of the cases our office may have addressed with that entity, they are not necessarily chosen to reflect our "average" results or most common results, and the listed results are not indicative of what might be achievable for another client. All listed figures are approximations, and despite our best efforts to maintain accuracy, may be subject to typographical error or other bona-fide human error, for which we make no warranties or guarantees. The federal cases that may be listed on this page against the creditor or collection entity are not purported to be brought by our law firm. Unless otherwise specified, these federal cases are unrelated to our law firm.

The information on this website is provided for general informational purposes only, it is not legal advice, and none of the information posted is intended as an accusation by our office of any wrongdoing by any entities.

Contact an attorney for an evaluation of your particular circumstances to help understand the options that may be available to you.

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