Who Is Credit Collection Services?
Credit Collection Services (CCS) is a debt collection agency based in Norwood, Massachusetts.
They’re one of the largest debt collection companies in the country with 700 employees and over $53 million in annual revenue.
You may see them listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
Who does Credit Collection Services collect for?
Credit Collection Services collects debt in the areas of banking, cable, education, financial services, healthcare, insurance, retail telecommunications, and utilities.
Is Credit Collection Services legit or a scam?
Credit Collection Services is a legitimate debt collection company. However, they may repeatedly spam call, text, or email you.
How can I remove Credit Collection Services from my credit report?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, Lexington Law can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Call Lexington Law now to learn more: (800) 220-0084
What You Need to Know About Credit Collection Services
Credit Collection Services has more than a few aliases. They may contact you as CCS Collections, Credit Control Services, or some other variation of that name.
Credit Collection Services may appear on your credit report as any of the following entries:
- ccs collections
- ccs notice
- ccs offices
- ccs usa
- credit collection svcs
- The CCS Companies
Regardless of what they call themselves if you have received a letter from them, they are attempting to collect a debt which they believe you owe.
You’re probably asking yourself, “have I ever made a purchase or borrowed money from Credit Collection Services?” The answer is no. Credit Collection Services purchases debt from the original creditor for pennies on the dollar and then attempts to collect the alleged debt.
Credit Collection Services (CCS) Contact Information
Credit Collection Services
725 Canton Street
Norwood, MA 02062-2679
Phone number: (617) 965-2000 or (877) 870-1000
Should I contact or pay Credit Collection Services?
It’s best to avoid speaking to a debt collector on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Credit Collection Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Credit Collection Services on behalf of their clients.
And they may be able to help you too.
Will Credit Collection Services sue me or garnish my wages?
Credit Collection Services has onsite legal counsel and may choose to sue you to collect on the debt. If they no longer feel you will negotiate with them, they will select this route, even though it is the more costly option for them.
However, if you work with a law firm like Lexington Law, you have nothing to worry about. They aid you in disputing the collection account with credit bureaus, with the possibility of having it removed from your credit history. It’s also quite possible that you may never hear from or have to deal with Credit Collection Services again.
Call Lexington Law to learn how they can help you.
Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.
It is also illegal for Credit Collection Services to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.
Is Credit Collection Services hurting my credit score?
Any derogatory item on your credit report, including a collections account, may harm your credit score.
Collection agencies often buy and sell debt from one another, which can lead to multiple collections on your credit reports for the same account.
If you don’t dispute each account with the credit bureaus and get them removed, they can damage your credit score.
Credit Collection Services Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Credit Collection Services has had 390 complaints to the BBB alone.
These complaints range from inaccurate and false collections to failing to post a “Notice of Dispute” on a collection account. They’ve even been accused of charging a customer’s credit card nearly twice that of the agreed amount.
On the employer review site Glassdoor, a former employee said, “The company maximizes profits while engaging in unsavory business practices that lack ethics and moral fiber.” Another called them “a cut-throat collection agency.”
Your Rights When Dealing with Credit Collection Services (CCS)
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that debt collectors don’t take advantage of you. In particular:
- It is a violation of federal law for Credit Collection Services to report inaccurate or incomplete information on your credit report.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Credit Collection Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Credit Collection Services must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Credit Collection Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Avoid the phone. Never talk to a debt collector on the phone. The less they know about you, the better.
Politely tell Credit Collection Services it’s your policy to deal with everything in writing. Ask for a letter with details about the original debt, then hang up. If they keep calling, send them a cease and desist letter.
Record their phone calls. If you must deal with a debt collector on the phone, record them. Thirty-five states and the District of Columbia allow you to record your phone conversations secretly.
In the other 15 states, you can record with the other party’s permission. If you tell the debt collector you intend to record, and they keep talking, consider it permission. They will usually hang up.
Don’t believe what they say. Debt collectors are known to make false threats, lie, and tell you whatever they need to tell you to get you to pay the debt.
Don’t attempt to hide money. Hiding money or assets from a legitimate debt collector is illegal if you owe them. However, bank account and credit card information should be kept private.
Don’t ignore them. You can do things on your terms, but ignoring the situation will not make Credit Collection Services go away. Ignoring them sets you up for a possible lawsuit.
Know Your State’s Statute of Limitations. Each state has a statute of limitations on debt. Once your debt reaches a certain age, it is considered “zombie debt,” and you are no longer legally obligated to pay it. The age limit varies from state to state, but it’s typically around 4-6 years.
A debt collection company is still allowed to contact you about these debts, but they can no longer sue you for them, and you are not required to pay them.
Remove Credit Collection Services From Your Credit Report Today!
Lexington Law can assist you in disputing Credit Collection Services accounts. They have over 18 years of experience and their clients saw over 6 million removals on their clients in 2021 alone.
If you’re looking for a reputable credit repair company to assist you with inaccurate collection accounts and repair your credit, consider working with Lexington Law.
They have helped many people in your situation. Give them a call at (800) 220-0084 for a free credit consultation to see what they can do for you.
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