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Summary: You can resolve your debt and remove Credit Collection Services from your credit report.

If Credit Collection Services is calling you, you may be wondering who they are and why they want money.

Credit Collection Services is a debt collector. If they are calling you, it’s likely that you’ve defaulted on a loan. The lender has either sold the account over to Credit Collection Services or retained them to collect from you.

That can be stressful in several ways. You’re likely to hear from them often, they may be aggressive, and they will place a collection account on your credit report, which will do serious damage to your credit. They could even sue you.

Here’s what you need to know about the company: who they are, what they do, and how to resolve your debt and get their name removed from your credit report.

What is Credit Collection Services?

Credit Collection Services or CCS Collections is one of the largest debt collection agencies in the country.

Based in Norwood, Massachusetts, CCS employs over 700 people and earns $53 million in annual revenue. 

The company collects debt in a variety of industries including banking, financial services, healthcare, utilities, and insurance.

They go by multiple names, including Credit Collection Services, CCS Offices, CCS Collection, CCS Payment, and CCS Commercial, CCS Companies, and CCS Credit Collection Services. 

CCS Collections buys debt from creditors. Then they work to collect all or a portion of that debt from consumers like you.

Here’s What You Can Do

📰 New Federal debt collection regulations will take effect on Nov. 29, 2021. The new rules will have a far-reaching impact on the debt collection industry. If you have delinquent debts or accounts in collection these rules will affect you.
Learn more about Regulation F and what will it mean for consumers with debts.

If you’re hearing from Credit Collection Services – or any collection agency – there are things that you can (and should) do. There are also two things that you should not do:

  • Don’t panic. It won’t help.
  • Don’t ignore the situation. That won’t help either. They won’t go away.

That’s what you shouldn’t do, but what should you do?

Here’s where to start.

1. Know Your Rights

The Fair Debt Collection Practices Act (FDCPA) spells out the rights of debtors and the obligations of debt collectors. Here are some key points.

  • A debt collector cannot call you before 8AM or after 9PM.
  • A debt collector cannot call your place of employment.
  • If you have a lawyer, the collector must communicate with your lawyer.
  • A debt collector may not communicate with your friends or family members or tell them about your debts.
  • Debt collectors cannot threaten to harm you, your reputation, or your property, or use profane language.
  • Debt collectors must identify themselves and the company they represent. They cannot claim to be law enforcement or other officials.
  • A debt collector cannot threaten you with imprisonment or seizure of assets.

For a full review of your rights under the FDCPA see this summary from the Consumer Financial Protection Bureau (CFPB).

If you believe that a debt collector is violating the rules, you can report them to the FTC, the CFPB, and your state’s attorney general.

2. Validate and Verify the Debt

A debt collector must supply the following information to you within five days of the first time they contact you.

  • The amount you owe.
  • The name of the creditor.
  • A notice that you have 30 days to dispute the debt.

This is called debt validation. The information is usually contained in a debt validation letter.

If you do not dispute the debt within 30 days, it is presumed valid. Always dispute debts. To dispute the account you will send a debt verification letter. Send the debt collector a certified letter asking for the following.

  • How much you owe.
  • The name and address of the original creditor.
  • Proof that you owe the debt.
  • The date of the original debt.
  • Proof that the collector has legal standing to pursue collection efforts in your state.

Send the letter by certified mail to Credit Collection Services.

Remember the difference between a debt validation letter, which the collection agency sends to you, and a debt verification letter, which you send to them.

Once you receive the debt validation letter you have 30 days to send your debt verification letter.

Remember that even if you know the debt is yours, the more important issue is whether they know it’s yours.

Because guess what?

If they can’t prove it’s yours, they can’t report it to the credit bureaus.

They might not be able to come up with that proof.  Remember, Credit Collection Services probably purchased your debt, in bulk with a bunch of other debt, from the original creditor.

Who knows what was lost in the shuffle?

The onus is on them to provide proof. If they can’t, they’re required by law to remove it from your credit report.

Remember the Statute of Limitations

Always check the date of the debt against the statute of limitations in your state. If the statute of limitations has expired, the collector cannot pursue legal action against you.

The statute of limitations clock begins on the date when the debt was first reported as delinquent.

Remember that making a payment or acknowledging that the debt is yours can restart the statute of limitations.

The expiry of the statute of limitations will not remove an account from your credit record. If the statute of limitations has expired or will expire soon there’s a good chance that the seven-year period of appearance on your credit record is also nearly up.

If the statute of limitations is nearly up your best bet might be to just wait it out.

3. Stop the Calls

You could get as many as 15 calls per day, according to a Consumer Credit Card Market Report.

That’s way too many.

But you can’t just call them and ask them to stop.

Follow these simple steps to stop the calls.

  1. Write a “stop contact” or “cease” letter telling them to stop contacting you.
  2. Make a copy for yourself and mail the original to Credit Collection Services.
  3. To prove you sent the letter, send it by certified mail with “return receipt requested.”

Make sure you follow these exact steps. 

If you do, the National Consumer Law Center states, “the collector can only acknowledge the letter and notify you about legal steps the collector may take.”

When you stop the phone calls, you get some breathing room. Remember that you still owe the debt, and the collector can take legal action.

Then you can tackle the next step.

4. Contest the Debt With the Credit Bureaus

If you believe that you do not owe the debt or that the collection agency has failed to validate the debt, you can file a dispute with the credit bureaus. You will need to dispute the account separately with each credit bureau.

Credit Reporting Bureau Mailing Addresses

EQUIFAXEXPERIANTRANSUNION
P.O. Box 740256 Atlanta, GA 30374-0256P.O. Box 9701 Allen, TX 75013P.O. Box 2000 Chester, PA 19016-2000

You can also dispute it online:

The credit bureau must investigate and verify your debt. If they cannot, they must remove it from your credit record.

Remember that even if the debt is removed from your credit record, the collection agency can still pursue collection efforts.

Get Your FREE Credit Dispute Letter Template

Get our winning dispute letter, plus free tips to help you boost your credit

Download Now!

5. Settle With A Pay For Delete Agreement

While occasionally the collection debt isn’t yours, most of the time, it is. If that’s the case, a settlement is one way to resolve the situation. 

Remember that debt collectors pay, on average, 4 cents for every dollar of debt that they buy. That gives you room to negotiate. A collector can accept less than you owe and still make a profit.

An article from U.S. News & World Report found that collection agencies will settle for between 40-60% of the balance – which could mean thousands of dollars saved.

You might offer 10% of your balance to see what they say. 

They’ll probably ask for more, but don’t let them push you around. With a little negotiation, you can reach an agreement you’re comfortable with. 

Pay for Delete

A collection agency may agree to remove your account from your credit record if you settle your debt. This is a “pay for delete” arrangement.

When you discuss a settlement, ask the collection agency representative if they will delete your record if you pay. Send a formal “pay for delete letter” to confirm the arrangement and ask for a written commitment.

Remember that you cannot compel a credit bureau to remove a legitimate account from your record. It will be recorded as paid, but it may remain on your credit report for seven years from the date when the account first became delinquent.

A pay-for-delete arrangement is a gamble. It may not work, but it’s worth trying. If they accept the settlemet you will no longer have to deal with the collection agency, and that’s a big plus.

Get Your FREE Pay for Delete Letter Template

After much testing, we have put written a great pay to delete letter you can use to get started.

Download Now!

Hire A Credit Repair Company

If you don’t want to go through all the trouble of writing letters and negotiating with CCS on the phone, consider hiring a credit repair company to help.

A credit repair company is equipped to deal with aggressive debt collectors to help you get the best possible outcome. 

The credit repair industry has earned a terrible reputation, and you’ll have to look out for disreputable companies and credit repair scams. There are still some companies that are legitimate and helpful.

Choosing to work with an expert sooner rather than later can save you a lot of time and money in the long run.

Get Professional Help

We analyzed 21 credit repair companies based on price, service, and results, and picked our top three choices.

Best Credit Repair Companies

Then you can sit back and relax while the credit pros do all the work.

If you’d rather do it yourself, that’s okay, too.

What If They Sue?

Collection agencies will take you to court, sometimes over quite small amounts. If a debt collector sues you, don’t ignore the case.

If you don’t respond, the judge will probably issue a summary judgment against you. You will be ordered to repay the debt. If you don’t, your wages could be garnished. In some states, your assets could be seized.

Not all companies will exercise their right to file a lawsuit against you, but a lawsuit is always a possibility when dealing with an aggressive debt collector. 

Important! Read up on what to do if you get sued by a debt collector to make sure you take all the right steps.

Get Rid of Credit Collection Services for Good

Hopefully, you found these suggestions for getting CCS out of your life and off of your credit report helpful.

If a collection agency is contacting you about debt, keep one thing in mind: Don’t bury your head in the sand. You have options.