If State Collection Service is listed on your credit report, it means they’re trying to collect an unpaid debt. Here’s how they operate, how they can affect your credit score, and the steps to take if you want them removed from your credit report.
Who Is State Collection Service?
State Collection Service, Inc. is a debt collection agency based in Madison, Wisconsin. They work on behalf of healthcare providers to collect unpaid medical bills from patients.
If your account has been turned over to State Collection Service, their name may appear on your credit report as a collections account, which can damage your credit.
Who Does State Collection Service Collect For?
State Collection Service focuses on the healthcare industry. Their clients include:
- Hospitals
- Medical clinics
- Physicians and specialists
- Other healthcare providers
If you’ve received medical care and didn’t pay the bill, your account may have been sent to them for collection.
Is State Collection Service Legitimate?
Yes, State Collection Service is a legitimate debt collection agency. They are authorized to collect debts on behalf of their healthcare clients.
Even though they’re a real company, always verify the details before sending payments. Credit reporting errors are common, so don’t assume the debt is accurate without confirmation.
How to Remove State Collection Service From Your Credit Report
Collections accounts can stay on your credit report for up to seven years, but you have options:
- Dispute Inaccuracies: Check your credit report for incorrect information and file disputes with the credit bureaus if needed.
- Request Debt Validation: You can ask State Collection Service to validate the debt. They must provide proof that the debt is yours and the amount is accurate.
- Negotiate a Pay-for-Delete: In some cases, you may be able to settle the debt and request that the account be removed from your credit report. Get any agreement in writing.
- Work With Credit Repair Professionals: Many people choose to work with credit repair services to challenge questionable accounts and clean up their credit.
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Should You Contact or Pay State Collection Service?
Before reaching out or making payments:
- Verify that the debt is accurate and legally collectible
- Request debt validation in writing
- Understand that making a payment may restart the statute of limitations
Many people prefer working with a credit repair company to avoid mistakes and improve their chances of removing negative marks.
Can State Collection Service Sue You or Garnish Wages?
Yes, State Collection Service has the legal right to sue for unpaid debts. If they take legal action and win, they could:
- Garnish your wages
- Freeze your bank account
- Place liens on property
Lawsuits are typically a last resort, but ignoring collection notices increases your risk. Most agencies try to negotiate payment before pursuing legal action.
State Collection Service Complaints
Like many collection agencies, State Collection Service has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Inaccurate credit reporting
- Harassment or aggressive collection tactics
- Failure to properly validate debts
If your rights are being violated, you can file a complaint and document all communication with the agency.
Your Rights When Dealing With State Collection Service
Debt collectors must follow federal laws under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws protect you from unfair practices:
- State Collection Service cannot report false or incomplete information
- You have the right to request debt validation within 30 days of their first contact
- They cannot harass, threaten, or use abusive language
- They must clearly identify themselves as a debt collector
- They cannot make false legal claims or threaten arrest
Knowing your rights helps you deal with collections confidently.
State Collection Service Contact Information
Office Address:
State Collection Service, Inc.
2509 S Stoughton Road
Madison, WI 53716
Phone Numbers:
(800) 477-7474
(877) 677-4862
Ready to Get State Collection Service Off Your Credit Report?
If State Collection Service is hurting your credit, you don’t have to handle it alone. Credit Saint has helped thousands of people dispute inaccurate accounts and improve their credit history.
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Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.