Creditors Collection Service


Is Creditors Collection Service hurting your credit score?

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Who is Creditors Collection Service?

Creditors Collection Service, Inc. (CCS), also known as CCS Roanoke, is a debt collection agency based in Roanoke, Virginia. Its primary function is to collect overdue payments from individuals on behalf of various businesses or organizations.

If you see Creditors Collection Service listed on your credit report as a collections account, this indicates that CCS has taken over the task of collecting an unpaid debt that you owe.

Who does Creditors Collection Service collect for?

Creditors Collection Service provides debt collection services to a wide range of sectors, including the commercial, education, government, healthcare, and utilities industries.

Is Creditors Collection Service legit or a scam?

Creditors Collection Service, Inc. is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Creditors Collection Service from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

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Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Creditors Collection Service, Inc. (CCS) Contact Information


Creditors Collection Service
4530 Old Cave Spring Road, SW
Roanoke, VA 24018

Mailing address:

Creditors Collection Service
PO Box 21504
Roanoke, VA 24018

Phone number: (800) 313-2675 or (540) 772-6600

Should I contact or pay Creditors Collection Service?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Creditors Collection Service is to work with a credit repair professional. They help remove millions of negative items every year from companies like Creditors Collection Service, Inc. on behalf of their clients.

Will Creditors Collection Service sue me or garnish my wages?

Creditors Collection Service, Inc. (CCS), like other debt collection agencies, can potentially take legal action against you for non-payment of your debts. This might involve suing you in court to recover the debt. If they win the case, they could obtain a court judgment that allows them to garnish your wages or possibly levy your bank account to collect the amount owed.

However, it’s important to note that legal action is usually a last resort for debt collectors. The process of suing someone can be time-consuming and expensive, and debt collection agencies often attempt to resolve the situation through other means such as payment plans or settlements.

Creditors Collection Service, Inc. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If Creditors Collection Service is harassing you, you may want to consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Creditors Collection Service

Debt collectors must follow state and federal laws. For example, the FDCPA prohibits a debt collection agency from using abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Creditors Collection Service to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • Creditors Collection Service cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Creditors Collection Service must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Creditors Collection Service cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Creditors Collection Service From Your Credit Report Today!

Credit Saint can help you dispute Creditors Collection Service accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.