With most Americans struggling with debt, especially in the current economic crisis spurred on by COVID, it’s not outside the realm of possibility to hear from a debt collection agency.
If you have a debt that you haven’t paid yet, you may be receiving harassing collection calls from a debt collector called CCS Offices. CCS Offices is a company that collects debts on behalf of the original creditor.
They do this by either purchasing the debt or collecting the payments and taking a portion for themselves. To do this, they must first open an account on your credit report that shows that they are authorized to collect on the debt.
Collection entries on your credit report are extraordinarily harmful to your credit score. They can affect your score for up to seven years after you pay the balance of the debt, and they can be viewed by future lenders who can make loan decisions based on your history of nonpayment.
All of these factors can inhibit you from making big financial decisions.
The best way to repair and prevent future damage to your credit score is to remove CCS Offices’ entry from your credit report as soon as possible.
This isn’t an easy process, but you can do it by following a few necessary steps. Here is our how-to guide on how to remove CCS Offices from your credit report and stop the incessant phone calls.
What is CCS Offices?
Credit Collection Services aka CCS Offices is a legitimate, medium-sized debt collection agency headquartered in Norwood, MA, and not a scam.
This United States-based company was founded in 1969 in Delaware and makes its money by collecting debts on behalf of creditors or by purchasing debts from creditors.
They collect on behalf of a variety of industries including health care, financial services, utilities, and insurance.
Unfortunately, CCS Offices (or CCS Companies) are not popular among their customers.
They have had 2,377 complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and 443 complaints filed against them with the Better Business Bureau (BBB.org).
These complaints are in regard to things such as harassment, failure to respond to debt validation requests, and inaccurate reporting, all in direct violation of consumer rights laws like the FDCPA and FCRA.
Steps to Remove CCS Offices From Your Credit Report
One of the most frequent questions asked is, “Can debt collection agencies sue me to gain payment?”
Here are the essential steps to take to get CCS Offices off your credit report for good:
Request a Goodwill Deletion
If you have already paid off the debt, don’t worry. There is still a chance that you can get the collection account removed from your credit report. You can do this by asking CCS Offices for a goodwill deletion.
This typically works if you have already paid off the debt and have made timely payments since then.
You can request a goodwill deletion in a letter that explains the reason for your late payments and why you would like the entry deleted.
Some common reasons for wanting the entry deleted are if you are trying to qualify for a mortgage or if you are trying to purchase a safe vehicle for children.
Remember to always be honest and polite in the letter. CCS Offices is more likely to grant you a goodwill deletion if you are sincere and friendly rather than if you demand that they delete the entry.
Validate the Debt
If you haven’t paid the debt or believe the debt doesn’t belong to you, the next step is to request that CCS Offices validate the debt.
This must be completed within 30 days of CCS Offices’ first contact with you. If you don’t, it will make things a lot harder for you in the long run.
Requesting debt validation places the burden of proof on CCS Offices. We’re essentially asking them to provide tangible proof that the debt belongs to you and that they are the ones authorized to collect it.
Under the Fair Debt Collection Practices Act (FDCPA), you have a right to ask CCS Offices to do this.
To ask for debt validation, you must send CCS Offices a debt validation letter. This is a letter that asks CCS Offices to provide certain pieces of information about the debt, such as the name, total amount, and date of debt acquisition.
After you send your debt validation letter, CCS Offices should return with information that validates your debt. Look over this information and note anything that seems off.
Because CCS Offices is not the original creditor, they may not have this information to begin with. It is also possible that the information that they do have is inaccurate or fraudulent.
It is not uncommon for companies to get debt information mixed up. If any of the information is incorrect, CCS Offices is required to delete the entry from your report and stop the collection process.
This means you may not have to pay the debt at all.
Make a Pay-For-Delete Agreement
If it turns out that the debt belongs to you, your next step is to negotiate a settlement with CCS Offices. The most common type of settlement that customers make with debt collectors is a pay-for-delete agreement.
A pay-for-delete agreement is exactly what it sounds like: CCS Offices agrees to delete the collections entry from your credit report in exchange for payment on the debt.
They are sometimes willing to accept less than the full amount, but it will require some negotiation on your part.
Start by offering to pay CCS Offices half of the total amount of the debt. They will almost certainly push back on this, so come up with a reasonable solution that works for both of you.
Once you get the terms of the agreement in writing, write a check for the first payment to CCS Offices. Never allow them direct access to your bank account.
After 30 days, check your credit report to see if CCS Offices still appears as an entry. If they do not, continue to make payments until you have paid the full agreed-upon amount.
If CCS Offices is still on your credit report, reach out to them, and remind them about your agreement.
Work with a Professional
Dealing with collection agencies is difficult, and we are sometimes unable to get anywhere with them on our own. That is where credit repair companies can be extraordinarily useful.
Credit repair companies are industry professionals that challenge negative items on your credit report and have them removed entirely.
They handle all of the communication, negotiation, and settlement so that you don’t have to stress about it. It is important to work with a reputable credit repair company to ensure that you are getting what you pay for.
They have helped thousands of people remove dings from their credit reports and improve their scores along the way.
They understand the industry inside and out, and they can help you clean up your credit report and get your financial goals back on track.
CCS Offices Contact Information
Here is some of their contact information:
- Mailing Address: 725 Canton Street, Norwood, MA 02062
- Phone Number: (617) 965-2000
- Website: https://www.ccsusa.com/
Dealing With CCS Offices
No one enjoys dealing with debt collectors, but it’s better to handle them promptly than have extensive damage to your credit score.
Removing CCS is the best way to get your credit score back on track and move one step closer to achieving your financial goals.
Improving your credit score is a process and is an achievable goal for everyone.
For more tips and guides on how to improve your credit score and financial habits, check out some of our most popular articles to learn more.
As a general disclaimer, the information in this article should not be a substitute as legal advice. Please seek legal counsel with a law firm should your situation warrant it.