Receiving harassing calls from collection agencies because of unpaid debt can bring you discomfort. But ignoring the company will do you no good at all, especially if it’s CCS Offices who’s coming after your credit report. To cause no further damage to your credit score, it is best to deal with them as soon as possible.
Instead of the original creditor collecting the debt, CCS Offices does the job on their behalf. CCS Offices either purchase the debt or keep a portion for themselves after the collection. They serve several organizations and businesses, allowing them to collect anything from utility services to outstanding medical bills. Learn how to deal with them here properly:
CCS Offices: Who Are They and How They Operate
Based in Norwood, Massachusetts, CCS Offices began their operations in 1966. They go by the official name of “The CCS Companies,” which stands for Credit Collection Services. The company works as a third-party collection service for organizations of several capacities and industries that collects the following:
- Banking and insurance
- Cable and telecommunications
- Utility services
- Retail operations
- Government fees
- Sports and entertainment organizations.
Although the company is considered by Better Business Bureau a legitimate company, they have received several complaints of harassment and inaccurate reporting by consumers. Seeking assistance with credible websites such as Crediful may help you deal with CCS Offices.
Removing CCS Offices From Your Credit Report
Collection accounts reflected on your credit report do significant harm to your credit score. That is why you must prioritize removing CCS Offices from your credit report. Below are the essential steps to keep CCS Offices from coming after your back:
- Communicate In Writing
Your first contact with CCS Offices will more likely be through a phone call. Either the company calls to inform you about a collection account, or you call them after receiving a letter of notice under their name. The first phone call with CCS Offices should be the last. No matter what the situation is, consumers like you are always at a disadvantage during calls.
After the first contact, all communication between you and the company should always be done through writing. The letters sent to them must be mailed through certified mail. Make sure to keep all your correspondence direct and short. This will give you enough evidence of contact with CCS Offices.
- Validate Debt
It is essential to know that CCS Offices is not the original creditor, so they might not have enough information regarding your debt. What they have against you may be inaccurate or fraudulent. So it will be best if you validate the debt first before doing any actions.
You have rights, as a consumer, to request debt validation from CCS Offices under the FDCPA. This process has to be done within 30 days after your first contact with the company. If you fail to do so, things will get much harder in the long run.
If CCS Offices fail to issue a debt validation letter, you may then demand them to remove the collection account reflected on your credit report. And if they refuse your request, it is best to file a report against them to the major credit bureaus: Equifax, Experian, Transunion.
- Negotiate For a Settlement
If CCS Offices provide proof that the debt is yours, you need to start planning for a debt settlement. You have two options: pay the debt in full or negotiate to pay for a partial amount. You need to know each process to decide which way is better for you.
If CCS Offices agree to the settlement, don’t send them money yet. You need to have a written receipt of your agreement before sending the company your partial payment. CCS Offices must agree to lower the original amount owed and remove the collection account from your credit report.
And if they fail to do all these things despite coming to an agreement with you (which the company usually does), you should report them to the credit bureaus. You can use the receipt you have in your possession to remove CCS Offices from your credit report.
- Seeking For Legal Help
You may try to deal with CCS Offices all on your own. But when everything else fails, you may consider seeking a credible credit repair service to assist you. It must be difficult for you to see any progress while doing each process mentioned above. That is why it is ideal for you to get legal help instead. Consider this option if ever you find yourself in the following situations:
- Despite doing almost everything, CCS Offices still refuses to cooperate with you.
- You aren’t qualified enough to handle both the dispute and negotiation process alone.
- You have to deal with other collection companies. A credible credit repair agency will help solve any problems in your credit report.
Provided above is a roadmap to help you deal with CCS Offices. The process may be challenging to do on your own, but you don’t have to suffer alone. Seeking professional help may do too. Whatever decision you come up with, it is always best to act as quickly as possible. This urgency will most surely help you in the long run.