Who Called From 925-676-7038?
Short answer: 925-676-7038 is a number used by Land Home Financial Services, Inc. (Land Home Financial Services, Inc.), a third-party collection agency based in Concord, CA — nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2085093-dca on file, address of record in concord, ca. They are almost certainly trying to collect a debt, most often consumer accounts. 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 925-676-7038?
The number 925-676-7038 is used by Land Home Financial Services, Inc. (nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2085093-dca on file, address of record in concord, ca), a third-party collection agency in Concord, CA. For the full company profile — ownership, history, and known aliases — see our complete Land Home Financial Services, Inc. guide. This page focuses on the calls coming from 925-676-7038 specifically.
About this specific number
- 📞 Number: 925-676-7038 (area code 925, ending in 7038)
- 📍 Line type: Direct-dial — resolves to the 925 area code.
- 🏢 Operator: Land Home Financial Services, Inc., a third-party collection agency in Concord, CA.
- 🔢 Related lines: Land Home Financial Services, Inc. is documented using 1 number in our directory, so calls may also come from other digits.
925-676-7038 is a direct-dial number tied to the 925 area code, which is why the call may have appeared "local" on your caller ID even though Land Home Financial Services, Inc. operates out of Concord, CA.
Some carriers display 925-676-7038 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from Land Home Financial Services, Inc..
On your caller ID, in voicemails, or in letters, this company can also appear as: Land Home Financial Services, Inc..
Why Is Land Home Financial Services, Inc. Calling Me From 925-676-7038?
In our directory, 925-676-7038 is tracked as a nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2085093-dca on file, address of record in concord, ca for Land Home Financial Services, Inc., which typically collects consumer accounts, retail debt. A call from 925-676-7038 usually happens because:
- ✅ An original account (a consumer accounts, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with Land Home Financial Services, Inc. to collect on behalf of the original creditor.
- ✅ Land Home Financial Services, Inc. is now dialing you from 925-676-7038 and possibly other lines to reach a resolution.
Calls from 925-676-7038 often come right after a billing cycle closes. Some people report that 925-676-7038 calls once and hangs up, then tries again from a different Land Home Financial Services, Inc. line hours later. A single missed call is not proof of a valid debt. When 925-676-7038 shows up on your caller ID, it is worth checking whether the Land Home Financial Services, Inc. account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make Land Home Financial Services, Inc. prove the consumer accounts in writing first.
Important: a phone call — even from a real number like 925-676-7038 — does not prove you owe the debt, that the amount is correct, or that Land Home Financial Services, Inc. can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 925-676-7038
Anything you say to Land Home Financial Services, Inc. can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 925-676-7038 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 Land Home Financial Services, Inc..
Don't agree to a payment on the spot
A single payment to Land Home Financial Services, Inc. — 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 925-676-7038.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 925-676-7038. Any legitimate Land Home Financial Services, Inc. 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 925-676-7038 caller. If it truly is your Land Home Financial Services, Inc. account, they should already have what they need and must prove it.
What To Do If 925-676-7038 Keeps Calling
Here are concrete next steps for this specific Land Home Financial Services, Inc. line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 925-676-7038 as a contact labeled "Land Home Financial Services, Inc. — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 925-676-7038 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that Land Home Financial Services, Inc. identify the original creditor behind the 925-676-7038 calls and the date the debt was opened.
Your Rights When Land Home Financial Services, Inc. Calls From 925-676-7038
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 Land Home Financial Services, Inc. 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 Land Home Financial Services, Inc. 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 925-676-7038: 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 Land Home Financial Services, Inc. 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, Land Home Financial Services, Inc. generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars Land Home Financial Services, Inc. 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 925-676-7038
We investigate the specific Land Home Financial Services, Inc. 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 Land Home Financial Services, Inc. account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Land Home Financial Services, Inc.. 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.
925-676-7038 — Frequently Asked Questions
Who is calling me from 925-676-7038?
925-676-7038 is a direct-dial line associated with Land Home Financial Services, Inc. (also seen as Land Home Financial Services, Inc.), a third-party collection agency headquartered in Concord, CA. The number resolves to the 925 area code. If you received a call from 925-676-7038 — often showing the last four digits 7038 on your screen — it is very likely Land Home Financial Services, Inc. attempting to reach you about a debt they say you owe, most often consumer accounts, retail debt.
Is 925-676-7038 a scam number?
Land Home Financial Services, Inc. is a real, registered company, and 925-676-7038 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like Land Home Financial Services, Inc., 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 925-676-7038?
You are not legally required to answer 925-676-7038 or call Land Home Financial Services, Inc. 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, Land Home Financial Services, Inc. must pause collection until it mails you proof of the debt.
Why is Land Home Financial Services, Inc. calling me about consumer accounts?
A call from 925-676-7038 usually means an original consumer accounts went unpaid and was placed with Land Home Financial Services, Inc., 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 Land Home Financial Services, Inc. from calling 925-676-7038?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Land Home Financial Services, Inc. to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 925-676-7038 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Land Home Financial Services, Inc. is calling about?
Do not pay anything based on a call from 925-676-7038 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 Land Home Financial Services, Inc.
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