Consumer Portfolio Services is what you call a SUB-PRIME LENDER.It is equivalent to getting a loan with a LOAN SHARK! Their UNPROFESSIONAL, UNRULY MANNER, LAW BREAKING TACTICS, are exactly what you will get with a Company like this... This company's SURVIVAL is by PREYING on those who have filed Bankruptcy and or having financial difficulty! This Company makes BANK by giving you a loan with a JACKED-UP INTEREST RATE! If you are 1 min late you can count on getting SEVERAL HARRASSING phone calls! If payment is not made, (they could care less about your situation) they turn around and repossess the car, they sell it and then you are responsible for the deficeit. HEY DOES THIS SOUND FAMILIAR TO ANY OF YOU THAT HAVE LOST YOUR HOME TO SUB-PRIME HOME LENDERS!?! These people operate the same way! ONLY FASTER! However, you the Consumer has rights! The DC (debt collector) cannot call you at WORK... They cannot call your EMPLOYER... and they cannot call your REFERENCES AND DISCUSS YOUR BUSINESS WITH THEM. They cannot THREATEN and VERBALLY ABUSE YOU, in any way. They cannot say things like " we are going to garnish your wages". Each State has similar but different laws regarding repossession and it would behoove anyone to contact a Consumer Attorney to learn about your State and Federal laws. In California, there is also THE ROSENTHAL FAIR DEBT COLLECTION ACT. It is in place to make sure DC's adhere to LAWFUL and FAIR Business tactics while trying to collect a debt...You may send a CERTIFIED letter to the company requesting they cease the harrassment... You may list any unlawful conduct etc etc... The point is to COMMUNICATE and DOCUMENT. It is a papertrail that validates what is happening between you and this company... (Notice how CPS never records their phone conversations? If they did, by law they would have to let you know) This is how they get away with their UNLAWFUL ACTS! Don't be surprised if they continue harrassing.. The Best advice is to contact an attorney and discuss your situation. Some attorneys are willing to give you 10-15min of their time for free...Good Luck to anyone who has a loan with this Company... your going to need it...

They are terrible. They break every sarbanes oxley rule in place. They call my neighbors, get their numbers from white pages, they call my work, they told me to sell my jewelry. They called my daughter names and called me names. They finally took the vehicle, and I feel releived and not afraid of them anymore. Terrible company to deal with during tough economic times.

I have a loan with company on a 05 chev impala and i am behind on payments.the company has a represenative calling my work place which is a police station for emergency.I have advise them time and time again not to phone my work place in which I am a dispatcher who dispatch emergency calls.the represenative from Consumer Portfolio ServicesAKA (CPS) will leave messages advising me to contact CPS which suggest there is something involving me with Childrens Protective Services known to most as CPS
I have also been threaten by represenative Ms. Harris she will have the police at my house. When I attempt to tell Ms. Harris I will call her Back she gets beligerant and try to keep me on the phone at my work place.Ms. Harris calls back to back on a daily basis. Even when arrangements are may she and other reps still call my work place as though none of them knows what the other one has arranged with me.I dispatch fire ambulance and police and have told Ms. Harris and other reps that do not call me at work because of the nature of my job.Ms. Harris has even given my work phone number to a person who reposess vehicles and he is calling back to back.
I have advised them on several occasions not to call my work place as much as they do on a continual basis.Ms. Harris has left word with a coworker she need me to contact her so they can pick up the vehicle.

I received numerous calls from CPS at work. I have told them not to call me at work, yet they are persistent and continue the harrassing phone calls. Yesterday, February 19, 2009, at 2:30 pm, a representative called my job, spoke with my co worker, and conveyed that his company needed to know my supervisor's name so he could send paperwork to garnish my wages.

I called this morning, Friday, February 20, 2009, at 8:25am, spoke with a guy called Ygnacio, he conveyed that he is the supervisor, stop whining, he can contact my job anytime, regardless if I tell him not to call at all, and that he requested paperwork to garnish my wages.

THIS COMPANY IS HORRIBLE I HAVE A ROUGH YEAR AND I HAVE GOTTEN BEHIND ON MY PAYMENTS YES BUT I HAVE CALLED AND TOLD THEM AND THEY MADE ME SET UP POST DATED CHECKS BUT TO WESTERN UNION THE PAYMENT THEN CALL GIVE THE MTCN # AND THEY WOULD CANCEL THE CHECK AND THEY DID NOT SEVERAL TIMES CAUSING BANK FEES AND EVERYTHING ELSE BUT MY MAIN PROBLEM WITH THIS COMPANY IS THAT THEY CALL FAMILY AND FRIENDS AND HARASS THEM THEY CALL YOUR JOB AND GIVE OUT YOUR PERSONAL INFORMATION. I AM IN THE HEALTHCARE FIELD AND WE HAVE SOMETHING CALLED HIPPA, WHEN I FILLED OUT MY APPLICATION THEY ASKED FOR CREDIT REFERENCES FAMILY AND FRIENDS THEY DO NOT TELL YOU THAT IF YOU ARE 5 MINUTES LATE ON A PAYMENT THAT THEY ARE GOING TO CALL THESE PEOPLE AND HARASS THE MESS OUT OF THEM EVEN THOUGH I PUT FAMILY AND FRIENDS NAMES ANDNUMBERS THAT DOES NOT MEAN THEY CAN CALL AND GIVE THEM MY PERSONAL INFORMATION. I BELIEVE THIS IS SOME FORM OF A HIPPA VIOLATION JUST BECAUSE WHEN A PATIENT COMES IN AND THEY HAVE FAMILY WITH THEM AND THEY HAVE PUT SOMEONE DOWN FOR EMERGENCY CONTACT WE STILL HAVE TO ASK THE PATIENT DO THEY CARE IF THE SURGEON CAN TALK TO THE FAMILY AFTER SURGERY AND TELL THEM WHAT IS GOING. THEY HAVE CALLED MY JOB AND EVERYBODY ANSWERS THE PHONE HERE AND THE CPS EMPLOYEE TOLD MY COWORKER I HAVE NOT MADE A PYMT IN 5 MONTHS( NOT TRUE) AND THAT THEY WERE COMING TO GET MY VEHICLE WELL YOU CAN GUESS EVERYBODY I WORK WITH AND ANYONE WHO WALKED BY THIS PERSON KNOWS WHAT IS GOING ON IN MY PERSONAL LIFE I HAVE BEEN HUMILATED AND EVERYTHING ELSE I BELIEVE IF A LAWYER OR SOMEONE FAMILIAR WITH THE LAW READS THIS COULD COME UP WITH A CLASS ACTION LAWSUIT AND TAKE THESE PEOPLE DOWN