Who Called From 720-208-2200?
Short answer: 720-208-2200 is a number used by LCS Financial Services Corporation (LCS Financial Services Corporation), a third-party collection agency based in Englewood, CO — nyc department of consumer affairs (predecessor to dcwp) debt-collection license 1232415-dca on file, address of record in englewood, co. They are almost certainly trying to collect a debt, most often mortgage debt. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 720-208-2200?
The number 720-208-2200 is used by LCS Financial Services Corporation (nyc department of consumer affairs (predecessor to dcwp) debt-collection license 1232415-dca on file, address of record in englewood, co), a third-party collection agency in Englewood, CO. For the full company profile — ownership, history, and known aliases — see our complete LCS Financial Services Corporation guide. This page focuses on the calls coming from 720-208-2200 specifically.
About this specific number
- 📞 Number: 720-208-2200 (area code 720, ending in 2200)
- 📍 Line type: Direct-dial — resolves to the 720 area code.
- 🏢 Operator: LCS Financial Services Corporation, a third-party collection agency in Englewood, CO.
- 🔢 Related lines: LCS Financial Services Corporation is documented using 1 number in our directory, so calls may also come from other digits.
720-208-2200 is a direct-dial number tied to the 720 area code, which is why the call may have appeared "local" on your caller ID even though LCS Financial Services Corporation operates out of Englewood, CO.
Some carriers display 720-208-2200 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from LCS Financial Services Corporation.
On your caller ID, in voicemails, or in letters, this company can also appear as: LCS Financial Services Corporation.
Why Is LCS Financial Services Corporation Calling Me From 720-208-2200?
In our directory, 720-208-2200 is tracked as a nyc department of consumer affairs (predecessor to dcwp) debt-collection license 1232415-dca on file, address of record in englewood, co for LCS Financial Services Corporation, which typically collects mortgage debt, charged-off consumer accounts. A call from 720-208-2200 usually happens because:
- ✅ An original account (a mortgage debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with LCS Financial Services Corporation to collect on behalf of the original creditor.
- ✅ LCS Financial Services Corporation is now dialing you from 720-208-2200 and possibly other lines to reach a resolution.
Calls from 720-208-2200 often come right after a billing cycle closes. Some people report that 720-208-2200 calls once and hangs up, then tries again from a different LCS Financial Services Corporation line hours later. A single missed call is not proof of a valid debt. When 720-208-2200 shows up on your caller ID, it is worth checking whether the LCS Financial Services Corporation account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make LCS Financial Services Corporation prove the mortgage debt in writing first.
Important: a phone call — even from a real number like 720-208-2200 — does not prove you owe the debt, that the amount is correct, or that LCS Financial Services Corporation can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 720-208-2200
Anything you say to LCS Financial Services Corporation can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 720-208-2200 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from LCS Financial Services Corporation.
Don't agree to a payment on the spot
A single payment to LCS Financial Services Corporation — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 720-208-2200.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 720-208-2200. Any legitimate LCS Financial Services Corporation resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 720-208-2200 caller. If it truly is your LCS Financial Services Corporation account, they should already have what they need and must prove it.
What To Do If 720-208-2200 Keeps Calling
Here are concrete next steps for this specific LCS Financial Services Corporation line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 720-208-2200 as a contact labeled "LCS Financial Services Corporation — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 720-208-2200 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that LCS Financial Services Corporation identify the original creditor behind the 720-208-2200 calls and the date the debt was opened.
Your Rights When LCS Financial Services Corporation Calls From 720-208-2200
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send LCS Financial Services Corporation a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If LCS Financial Services Corporation reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 720-208-2200: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that LCS Financial Services Corporation stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, LCS Financial Services Corporation generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars LCS Financial Services Corporation from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 720-208-2200
We investigate the specific LCS Financial Services Corporation account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the LCS Financial Services Corporation account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to LCS Financial Services Corporation. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
720-208-2200 — Frequently Asked Questions
Who is calling me from 720-208-2200?
720-208-2200 is a direct-dial line associated with LCS Financial Services Corporation (also seen as LCS Financial Services Corporation), a third-party collection agency headquartered in Englewood, CO. The number resolves to the 720 area code. If you received a call from 720-208-2200 — often showing the last four digits 2200 on your screen — it is very likely LCS Financial Services Corporation attempting to reach you about a debt they say you owe, most often mortgage debt, charged-off consumer accounts.
Is 720-208-2200 a scam number?
LCS Financial Services Corporation is a real, registered company, and 720-208-2200 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like LCS Financial Services Corporation, so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 720-208-2200?
You are not legally required to answer 720-208-2200 or call LCS Financial Services Corporation back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, LCS Financial Services Corporation must pause collection until it mails you proof of the debt.
Why is LCS Financial Services Corporation calling me about mortgage debt?
A call from 720-208-2200 usually means an original mortgage debt went unpaid and was placed with LCS Financial Services Corporation, which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop LCS Financial Services Corporation from calling 720-208-2200?
Yes. The FDCPA lets you send a written cease-and-desist demand telling LCS Financial Services Corporation to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 720-208-2200 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt LCS Financial Services Corporation is calling about?
Do not pay anything based on a call from 720-208-2200 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
More About LCS Financial Services Corporation
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