If you’ve seen Statewide Collection Service on your credit report, you’re likely dealing with a collection account. A collection can lower your credit score for up to seven years, but there are ways to handle it—and possibly get it removed.
Who Is Statewide Collection Service?
Statewide Collection Service, Inc. (SCS) is a debt collection agency based in Salisbury, North Carolina. They work with businesses to recover unpaid debts and often report those accounts to the credit bureaus.
If their name appears on your credit report, it means an unpaid debt was turned over to them for collection.
Who Does Statewide Collection Service Collect For?
Statewide Collection Service focuses primarily on medical debt, including:
- Physician groups
- Healthcare providers
- Medical offices and private practices
If you’ve fallen behind on medical bills, your healthcare provider may have hired Statewide Collection Service to collect the amount owed.
Is Statewide Collection Service Legitimate?
Yes, Statewide Collection Service is a real debt collection company. They are legally authorized to collect debts for healthcare providers. However, you should always confirm that any debt they claim you owe is valid before making a payment.
How to Remove Statewide Collection Service From Your Credit Report
A collection account can significantly hurt your credit score, so addressing it quickly is important. Here are common ways to get it removed:
- Dispute inaccuracies: If there are errors with the account details—such as the balance, dates, or ownership—you can file a dispute with the credit bureaus. They must investigate and correct any inaccuracies.
- Request debt validation: You have the right to ask Statewide Collection Service to prove the debt is yours and that the amount is correct. If they can’t validate the debt, they must stop collecting and remove the account from your credit report.
- Negotiate a pay-for-delete: In some situations, you can offer payment in exchange for having the account removed from your credit report. Always get the agreement in writing before sending money.
- Work with a credit repair company: Credit repair professionals help consumers challenge inaccurate collections and may improve your chances of removal.
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Should You Contact or Pay Statewide Collection Service?
Before contacting or paying any collection agency, confirm the debt is valid and accurately reported. Credit reports can contain outdated or incorrect information. Making a payment can also restart the statute of limitations, which might give the collector more time to take legal action.
If you’re unsure how to handle the situation, working with a trusted credit repair company can help protect your credit and handle the process more effectively.
Can Statewide Collection Service Sue You or Garnish Your Wages?
Debt collectors like Statewide Collection Service can sue you to recover unpaid debts. If they win in court, they may be able to:
- Garnish your wages
- Withdraw funds from your bank account
- Place a lien on your property (depending on your state’s laws)
That said, lawsuits are typically a last resort for most collection agencies. They often try to resolve debts through phone calls, letters, or payment plans before taking legal action.
Statewide Collection Service Complaints
Many debt collectors have complaints filed with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common complaints include:
- Inaccurate reporting to credit bureaus
- Harassment or repeated phone calls
- Failure to properly validate debts
If you believe your rights are being violated, you can file a complaint with the CFPB or your state attorney general.
Your Rights When Dealing With Statewide Collection Service
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect your rights when dealing with debt collectors like Statewide Collection Service.
They are not allowed to:
- Report false or incomplete information about you
- Harass, threaten, or use abusive language
- Call excessively or outside of reasonable hours
- Misrepresent who they are or their intentions
- Threaten arrest or jail for unpaid debts
You have the right to:
- Request written debt validation within 30 days of their first contact
- Dispute inaccurate information on your credit report
- Be treated fairly and respectfully
Understanding your rights helps you manage the situation with more confidence.
Statewide Collection Service Contact Information
Here’s how to reach them if you choose to communicate:
Statewide Collection Service, Inc.
906 Shaver St
Salisbury, NC 28146
Phone: (800) 280-1232
Always keep written records of any communication with debt collectors, and avoid making verbal agreements without written confirmation.
Remove Statewide Collection Service From Your Credit Report Today
If dealing with collections feels overwhelming, a credit repair service can help. Credit Saint has over 15 years of experience helping clients challenge inaccurate collections, errors, and other negative marks on their credit reports. They even offer a 90-day money-back guarantee for peace of mind.
Getting expert help can make the process easier and help you work toward a better credit score.
Visit their website or call (855) 281-1510 to get started.
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.
