Credit Collection Services

Credit Collection Services
Credit Collection Services

Annoying and threatening calls and letters are their mode of operation. They are feared, at least for those that have no idea about their rights. They are the Credit Collection Services, better known as the CCS.
This far-reaching company employs the dirtiest business tricks in the book to haunt their customers into paying off debts. Some of which are false.

What/who is CCS?

Credit Collection Services is one of the biggest credit collection companies in U.S.A. They are based in Norwood, Massachusetts with a total revenue of over $53 million per year and a workforce of 700 employees.
This company collects debts in different areas, including cable, financial services, education, insurance, healthcare, utilities and banking, among others.
Credit Collection Services go by multiple aliases. In some instances, they may identify themselves as the CCS and some they may decide to use Credit Control Services or vary the name. whichever suits the situation.
What’s even more confusing is that there are other credit collection companies that use the same acronym, CCS. Sounds confusing, don’t you think. Well, it’s meant to be that way.

Complaints about CCS

Credit Collection Services has been in the spotlight for many years due to their ill-mannered business tactics. Many people have sent complaints to the Better Business Bureau (BBB).
The complaints cover areas such as false and inaccurate collections and failure to post “Notice of Dispute” on various credit reporting agencies. There are customers who claim to have their credit card charged double the agreed amount.
There are various ways you can confirm whether the CCS has a valid claim on you.

How to Confront the CSS

First off, do you get regular threatening calls or letters from the CCS? If you have, then that is the first indication that the CCS is hot on your heels. Most of these are not even meant for you. In fact, you’ll be surprised to find out how they come up with these names.

They dig deep in the internet, online databases and phone books to find contacts of everyone with an identical name as that of the creditor and then they start sending the letters to the entire list.

So, how do you go about this situation?
First, send the CCS a debt validation email. According to the Fair Debt Collection Practices Act, it is your right to request the CCS to validate their debt claims.

Emails are the best way to communicate with them because there is a paper trail that can be used as evidence if need be. Also, ensure that the email is sent certified so that you know they received your email.

After receipt of the mail, the CCS has 30 days to respond with valid documentation proving that indeed you owe them money. Without that, you don’t owe them a dime.

Summary

So, if you have been on the receiving end of the CCS’s dirty business tactics, the bottom line remains that you have rights and they should be respected.

If you think that they are too much to handle, you can always seek the services of a professional credit repair company to fix the situation.

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