Who is Creditors Collection Service?
Creditors Collection Service, Inc. (CCS), also known as CCS Roanoke, is a debt collection agency based in Roanoke, Virginia. Its primary function is to collect overdue payments from individuals on behalf of various businesses or organizations.
If you see Creditors Collection Service listed on your credit report as a collections account, this indicates that CCS has taken over the task of collecting an unpaid debt that you owe.
Who does Creditors Collection Service collect for?
Creditors Collection Service provides debt collection services to a wide range of sectors, including the commercial, education, government, healthcare, and utilities industries.
Is Creditors Collection Service legit or a scam?
Creditors Collection Service, Inc. 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 Creditors 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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Creditors Collection Service, Inc. (CCS) Contact Information
Address:
Creditors Collection Service
4530 Old Cave Spring Road, SW
Roanoke, VA 24018
Mailing address:
Creditors Collection Service
PO Box 21504
Roanoke, VA 24018
Phone number: (800) 313-2675 or (540) 772-6600
Should I contact or pay Creditors 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 Credit reports can contain errors or list debts that are no longer valid.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 Creditors Collection Service is to work with a credit repair professional. They help remove millions of negative items every year from companies like Creditors Collection Service, Inc. on behalf of their clients.
Will Creditors Collection Service sue me or garnish my wages?
Creditors Collection Service has the legal right to sue for unpaid debts, but this is often a last resort due to the costs involved. If they win a court judgment, they may seek wage garnishment or other legal means to collect the debt.
To avoid this, address the debt as soon as possible. Start by verifying the accuracy of the claim and exploring options like negotiating a settlement or creating a payment plan. Acting quickly can help you avoid further complications.
Creditors Collection Service, Inc. 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 Creditors Collection Service is harassing you, you may want to 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 Creditors Collection Service
Debt collectors must follow state and federal laws. For example, the FDCPA prohibits a debt collection agency from using abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Creditors 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.
- Creditors Collection Service cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Creditors 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.
- Creditors Collection Service cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Creditors Collection Service From Your Credit Report Today!
Credit Saint offers assistance with disputing Creditors Collection Service 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.
Visit their website or call (855) 281-1510 for more details.
