The Law Office of Paul Mankin

Is the collection agency Advanced Financial Company harassing You?

There are plenty of scammers and fraudulent companies looking to try to make a quick dollar through preying off of innocent victims. These people target indiscriminately, and hound the target until they get their way. Whether it be through an abuse of misinformation, or harassing phone calls and robocalls, these kinds of companies are not unique, and have been around for quite some time.

In such cases, there is one company known as Advanced Financial Company. Are they a proper service, or are they a scam? If you have been contacted by Advanced Financial Company, you maay want to keep reading.

What is Advanced Financial Company?

Advanced Financial Company is seen as a loan service and property owner’s association servicing, that deals specifically with billing, payment processing, customer service, and delinquency collections. They are listed to have been in business since 1990, and work to serve the Pacific Southwest, as listed by the Better Business Bureau.

Is Advanced Financial Company a legit Debt Collection Agency?

Yes, Advanced Financial Company are a legitimate debt collection agency. Currently, they have been in business for 29 years, and have been accredited for 11 of those years. They currently hold an A+ BBB rating, and operate out of California. They hold multiple offices and locations, allowing them to serve a wider spread of people throughout the California area.

Advanced Financial Company Contact Information

Primary Address: 5900 Pasteur Ct Ste 200 Carlsbad, CA 92008-7336

Fax Number: 1-(760)-828-4230

Other Fax: 1-(760)-828-4521

Phone Number: 1-(800)-234-6222

Other Phone: 1-(888)-477-6967

Other Phone: 1-(760)-828-4520

Other Phone: 1-(760)-431-4545

Other Phone: 1-(760)-828-4230


Other Website:

Other Location: 5500 Grand Pacific Dr Carlsbad, CA 92008-4724

Does Advanced Financial Company have Complaints against them?

Currently, there are no registered complaints against Advanced Financial Company. The BBB has zero complaints listed against them, and the Consumer Financial Protection Bureau has no records of complaints against the company either.

Are the Practices of Advanced Financial Company Legal?

For the most part, the practices of Advanced Financial Company are seen as legal and safe. They do not have any complaints listed against them through either the BBB or CFPB Consumer Complaint Database.

However, there are some dangers as to how their business is set up. Due to the nature of the business, Advanced Financial Company being both a loan operation, as well as a debt collection agency, can lead to dangerous scenarios with debt collection harassment and misinformation. Since they are able to monitor your information as soon as you collect on the loan, they may also attempt to fraudulently collect by giving improper information, which goes against the FDCPA laws and guidelines. If they do attempt such a tactic and practice to try to collect on a debt, it would fall under debt collector harassment, meaning it would be illegal and inappropriate by Advanced FInancial Company.

How can I protect myself and fight back against Advanced Financial Company?

Fighting back and protecting yourself against Advanced Financial company can be somewhat difficult to tackle. First, we need to talk about how a loan shark operates, and how to protect yourself against them.

Loan offices will look to always catch you unawares. This means that they know that you may be desperate to get a loan, and will look to coerce you through sweet words and shallow promises. If you are about to procure the assistance of a loan office, make sure to always read the fine print, and know what you are signing up for.

If you are already into deep trouble with Advanced Financial Company, however, then there are some steps you can take to try to get back on a good path. If you have been getting harassing phone calls from debt collectors, and even been getting called for a debt you do not owe on a wrong number, then you may be entitled to a no fees lawsuit against Advanced Financial Company. This is because this type of harassment breaks the FDCPA laws set in place to keep debt collectors from getting abusive with their powers.

If you are needing help, the best first step to take is to look and hire a reliable and experienced debt collect harassment lawyer or attorney. We here at the Law Office of Paul Mankin, APC employ a team of well-trained and experienced collection harassment attorneys and lawyers that can assist and shield you throughout the entire process. We can help you stop the debt collector harassment, as well as show you how to report the debt collector harassment to the proper authorities, and assist in identifying what is considered harassment by a debt collector.

Not only can we help you to defend against harassment, we can also help to build a case, and assist you in understanding where the illegal collection patterns are for debt collectors. We are also able to help facilitate any communications or discussions between the parties, ensuring that nothing you say can be used against you.

The most important bit of information in your fight is to always remain vigilant. No matter who you have at your side, it can seem like a daunting battle against such a large company and agency. If you have ever been the subject of:

  • Multiple calls per week from a third party collection agency
  • Multiple calls in the early morning or late night from debt collectors.
  • Violent and belligerent language and harassment from debt collectors.
  • Threats of arrests or poor credit due to outstanding debts.
  • Having your friends, family, and coworkers harassed from debt collectors.
  • Automated robocalls from third party collection agencies.

Then you may have a case available. So do not wait, make sure to give us a call, and get started fighting back against the debt collection harassment.