Who is Statewide Collection Service?
Statewide Collection Service, Inc. (SCS) is a debt collection agency based in Salisbury, North Carolina. Their role is to collect debts on behalf of creditors to ensure that they receive the money they are owed.
SCS handles a variety of debt types, but if you see them listed on your credit report, it is likely due to an unpaid bill that has been transferred to them for collection.
Who does Statewide Collection Service collect for?
Statewide Collection Service specializes in the collection of medical debts, with a particular emphasis on serving physician groups. They assist healthcare professionals in collecting payments from patients who have not paid for their medical services.
Is Statewide Collection Service legit or a scam?
Statewide 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 Statewide Collection Service from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Statewide Collection Service Contact Information
Address:
Statewide Collection Service
906 Shaver St
Salisbury, NC 28146
Phone number: (800) 280-1232
Should I contact or pay Statewide 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 Credit reports can contain errors or list debts that are no longer valid.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 Statewide Collection Service is to work with a credit repair professional. They help remove millions of negative items every year from companies like Statewide Collection Service on behalf of their clients.
Will Statewide Collection Service sue me or garnish my wages?
While Statewide Collection Service, like any debt collection agency, could potentially take legal action to recover a debt, such a step is generally viewed as a last resort. Lawsuits are expensive, time-consuming, and do not always guarantee the recovery of the owed funds.
Before resorting to court action, the agency will typically exhaust other avenues, such as phone calls, letters, and attempts to negotiate repayment plans. If these measures don’t yield results, and the agency decides to sue, and if they secure a court judgment in their favor, wage garnishment or a lien on your property could be possible.
Statewide Collection Service 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 a collection agency is harassing you, you should 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 Statewide Collection Service
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 Statewide 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.
- Statewide Collection Service cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Statewide 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.
- Statewide Collection Service cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Statewide Collection Service From Your Credit Report Today!
Credit Saint offers assistance with disputing Statewide Collection Service collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit. They even offer a 90-day money-back guarantee for added peace of mind.
Visit their website or call (855) 281-1510 for more details.
