Who is The CCS Companies?
The CCS Companies, also known as Credit Collection Services, is a legitimate debt collection agency based in Norwood, Massachusetts.
If The CCS Companies appear on your credit report as a collections account, it indicates that you have a debt that went unpaid and has been forwarded to them for collection. This may occur if you fail to pay a bill.
Who does The CCS Companies collect for?
The CCS Companies is a diverse debt collection agency serving a variety of industries. This includes banking and insurance, cable and telecom, energy and utilities, government and politics, healthcare, non-profit, retail, sports and entertainment, and tollways.
As such, if you have outstanding debts in any of these sectors, you could potentially find yourself dealing with The CCS Companies as your debt collector.
Is The CCS Companies legit or a scam?
The CCS Companies is a legitimate company. However, their collection practices may seem intrusive, as they may often call, text, or email you in an attempt to recover the debt. This can feel like spam, but it’s a common practice in the debt collection industry.
How can I remove The CCS Companies from my credit report?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be 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 work with people who want to get their credit back on track.
In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include 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.
The CCS Companies Contact Information
The CCS Companies
725 Canton St.
Norwood, MA 02062
Phone number: (617) 965-2000
Should I contact or pay The CCS Companies?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with a debt collector is to work with a credit repair professional. They help remove millions of negative items every year from companies like The CCS Companies on behalf of their clients.
Will The CCS Companies sue me or garnish my wages?
The CCS Companies could theoretically sue you for unpaid debts. If they win a lawsuit against you, they could secure a court judgment. Depending on the laws in your state, they might then be able to garnish your wages or take other measures to collect the debt, such as levying your bank account or placing a lien on your property.
However, the decision to sue or garnish wages for a debt often depends on various factors. These include the size of the debt, the cost of litigation, and the likelihood of successfully collecting the debt.
The CCS Companies Complaints
Most collection agencies have numerous complaints filed against them 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 you find yourself facing any of these situations with The CCS Companies, you should also 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with The CCS Companies
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for The CCS Companies 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- The CCS Companies may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- The CCS Companies must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- The CCS Companies cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove The CCS Companies From Your Credit Report Today!
Credit Saint can assist you in disputing The CCS Companies collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
Here’s a list of some of the nation’s most popular debt collectors that cause damage to your credit.
- 11 Charter Communications
- Aargon Agency, Inc.
- Ad Astra Recovery Services
- Afni Collections
- Account Resolution Services
- CACH LLC
- Capio Partners
- Cavalry Portfolio Services
- Cavalry SPV I LLC
- CBE Group
- CCS Offices
- CMRE Financial Services
- Commonwealth Financial Systems
- Convergent Outsourcing
- Credence Resource Management
- Credit Collection Services
- Diversified Consultants
- Dynamic Recovery Solutions
- Enhanced Recovery Company
- EOS CCA
- GC Services
- Global Credit and Collection Corp
- Harris & Harris
- Healthcare Revenue Recovery Group
- Hunter Warfield
- IC System
- IQ Data International
- Jefferson Capital Systems
- LVNV Funding LLC
- McCarthy, Burgess & Wolff
- Midland Credit Management
- MiraMed Revenue Group
- MRS Associates
- MRS BPO LLC
- National Credit Systems
- Nationwide Recovery Service
- Northland Group
- Penn Credit
- Phoenix Financial Services
- PMAB LLC
- Portfolio Recovery Associates
- Reliant Capital Solutions
- Revenue Group
- Southwest Credit Systems
- Sprint Collections
- Transworld Systems
- USCB America
- Verizon Collections
- Wakefield and Associates