State Collection Service


Is State Collection Service hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is State Collection Service?

State Collection Service, Inc. is a debt collection agency located in Madison, Wisconsin. They handle unpaid debts that original creditors have been unsuccessful in collecting.

If State Collection Service appears on your credit report, it is due to an outstanding debt they are trying to collect. This can occur when a bill or invoice you were responsible for went unpaid.

Who does State Collection Service collect for?

State Collection Service primarily focuses on providing debt collection services to the healthcare industry. Their clientele includes hospitals, clinics, physicians, and other medical service providers.

Is State Collection Service legit or a scam?

State Collection Service 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 State 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?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

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.

State Collection Service, Inc. Contact Information


State Collection Service, Inc.
2509 S Stoughton Rd
Madison, WI 53716

Phone number: (800) 477-7474 or (877) 677-4862

Should I contact or pay State Collection Service?

Before contacting a collection agency, 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 Credit reports can contain errors or list debts that are no longer valid.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 State Collection Service is to work with a credit repair professional. They help remove millions of negative items every year from companies like State Collection Service, Inc. on behalf of their clients.

Will State Collection Service sue me or garnish my wages?

State Collection Service is entitled to sue for unpaid debts. If they win the lawsuit, they might obtain a court order that allows them to garnish your wages or bank accounts, or place liens on your property until the debt is paid off.

However, initiating legal proceedings against a debtor is often a last resort for most collection agencies. It’s time-consuming, costly, and doesn’t guarantee that the debt will be paid. Before it reaches this point, they will likely contact you multiple times to negotiate payment arrangements.

State 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 complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 State Collection Service, Inc.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for State Collection Service, Inc. 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.
  • State Collection Service cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • State 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.
  • State Collection Service cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove State Collection Service From Your Credit Report Today!

Credit Saint can help you dispute State Collection Service collection 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.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.

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.