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Are you being harassed by Client Services, Inc.

Contact Creditor Harassment Lawyer Ronald Wilcox

Where is Client Services, Inc. located:

Client Services, Inc.

221 Point West Blvd

St Charles, Missouri 63301

Phone: (800) 521-3236

Fax: (636) 947-1565

Other Offices:

John L. Kastner, President Sr & Jr

3451 Harry S. Truman Blvd.

St. Charles, MO 63301

What does Client Services, Inc. do?

Client Services, Inc. is a collection agency that operates out of St. Charles, Missouri, that has received numerous complaints about their debt collection practices. The complaints against them include repeatedly calling consumers at home and work, contacting their neighbors and family members, etc. One court ruled that Client Services, Inc. violated the FDCPA by making 54 telephone calls in 6 months (Sanchez v. Client Services, Inc., 520 F. Supp. 2d 1149 (N.D. Cal. 2007): “the parties agree that defendants Client Services and Karla Davis made approximately 54 telephone calls to plaintiff Irma Sanchez at work and left messages on the answering machine. Defendant Karla Davis stated that she repeatedly called plaintiff Irma Sanchez at work to have her call back, to verify her employment or alternatively, to obtain location information.

As discussed above, however, a number of calls were made on the same day within a limited scope of time. For example, in September, defendants made approximately 17 telephone calls to plaintiff at work, or to her family. On September 14, 2005, defendants made at least 6 telephone calls alone. Defendants admittedly made numerous other telephone calls to her husband and other family members. Irrespective of the substance of the telephone messages, the court finds that the volume of telephone calls made to plaintiff Irma Sanchez by defendants from June 9, 2005 until December 19, 2005 is undisputed. See, Kuhn v. Account Control Tech, Inc., 865 F.Supp. 1443, 1452 (D.Nev. 1994)(content or substance of the telephone calls may be irrelevant to issue of harassment). Defendants merely counter that the number of telephone calls were made in an effort to contact plaintiff or verify her employment and that the calls were made during regular working hours.

Other courts have considered the volume and the pattern of the calls received by the debtor. See, e.g., Kuhn v. Account Control Tech, Inc., 865 F.Supp. at 1453 (six telephone calls in 24 minutes constituted harassment in violation of §1692d(5)); Bingham v. Collection Bureau, Inc., 505 F.Supp. 864, 873 (N.N.D. 1981)(court held when a call was terminated and collection agency called back immediately, the subsequent call alone could constitute harassment under §1692d(5)). Cf., Joseph v. J.J. Mac Intyre Companies, LLC, 281 F.Supp.2d 1156, 1164-1166 (N.D. Cal. 2003) (court denied debt collector's motion for summary judgment on grounds that although parties agreed that 75 telephone calls were made within the statutory period, parties disputed whether defendants' automated calls constituted a pattern of harassment against plaintiff or to three other indebted inhabitants who shared the same telephone number): Akalwadi v. Risk Management Alternatives, Inc., 336 F.Supp.2d 492, (D.Md. 2004)(reasonableness of volume and pattern of calls was a question of fact for the jury).

Even viewing the record in the light most favorable to defendants, the frequency and volume of the telephone calls show that defendants intended to annoy, abuse and harass plaintiff Irma Sanchez. Accordingly, plaintiffs' motion for partial summary judgment as to this claim is granted. Making repeated and continuous telephone calls in an attempt to collect a debt violates the FCPA. Additionally, in most circumstances contacting a consumer’s co‐worker, neighbors, or family members violates the FDCPA.


If you are being harassed or abused by Client Services, Inc., or any other debt collector, you should contact Consumer Protection lawyer Ronald Wilcox, a California lawyer protecting consumers from collection harassment and abusive debt collectors. You don’t have to put up with unfair debt collection practices.

If you are the recipient of harassment or abuse from Client Services, Inc. in their attempts to collect a debt from you, then contact a San Jose Debt Collection Lawyertoday for protection of your consumer rights.

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