Start My Answer

How to Beat CCS Offices

Dena Standley | October 27, 2023

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Is CCS Offices suing you for a debt? SoloSuit can help you take a stand and win in court.

When you fall behind in debt, the one thing you hope for is that the debt collector treats you with dignity and respect whenever they contact you. You wish to keep your peace of mind so you can work out a strategy to help you get back on track.

That's rarely the case, though. Most debt collectors are no concerned about you as a person. All they care about is how to get their money back. They are so enthusiastic about debt collection that sometimes they mix up details and ask for money from the wrong people. Other times the debt may be yours but the wrong amount.

If Credit Collection Services (CCS) has reached out to you, there are several steps you can take to stand up for yourself and win in court..

How CCS Offices contacts you

Legally, debt collectors can contact you via phone calls, mail, emails, texts, and even social media.a

No matter what method the debt collector uses to contact you, they must adhere to the regulations that protect consumers. For example, if CCS reaches you via social media, they have to:

  • Identify themselves as debt collectors.
  • Message you privately.
  • Provide you with a way to opt-out of receiving messages from them.

It's in your interest to keep track of every communication with debt collectors. For this reason, let CCS Offices know that you prefer written communication. Avoid giving your information to alleged debt collectors on the phone, as this may result in fraudsters stealing your identity.

If you would like to reach out to CCS, their phone number is (617) 965-2000.

CCS Offices is problematic—here's why

The truth is that no one likes to deal with debt collection agencies. CCS Offices is no exception. It's one thing to know you are behind in debt payment, but it's a whole other issue being constantly reminded and harassed by debt collectors.

Credit Collection Services is legitimate. It's been in business for over fifty years and claims to offer only high-quality services. Even though the company isn't BBB accredited, they have an excellent-looking B rating on their profile.

So why does CCS Offices have such lousy customer reviews? The BBB customer reviews average a miserable 1/5 stars, with some consumers wishing they could leave a zero-star review. The company has received more than 900 consumer complaints in the past three years on its BBB profile.. CCS Offices also has more than 200 complaints submitted to the Consumer Financial Protection Burea. Consumers are complaining about:

  • CCS opening a collection account without first communicating with consumers.
  • Being put on hold for up to two hours when contacting CCS.
  • CCS offices website not being user friendly.
  • Unprofessional employees.
  • Unvalidated collection stains on consumers' reports; ruining their credit scores.

How to get CCS Offices off your credit report

Whether the CCS account is on your report rightfully or due to an error, its presence ruins your credit score. There are ways to get CCS Offices off your credit.

The most straightforward CCS account to remove from your credit report is if it's an error. You need to contact the concerned credit bureaus, either by phone or mail, and ask them to delete the account. The bureau has up to thirty days to resolve the matter. Contact each bureau separately if you notice the error in more than one Credit Reporting Agencies (CRAs) report.

It's best to pay off a legitimate CCS account, especially if it's new. Although paying the account may affect your credit score, it's better to have it as a paid account than an account in collections. It will eventually fall off your report.

You can also remove old, past-due credit accounts from your report if they are past the statutes of limitations. Instead of paying off such an account and resetting the clock until it can fall off, dispute it with the furnishing company to have it removed.

Make it a habit to request your credit report often and scan thoroughly for mistakes. You're entitled to a free annual report from each leading credit reporting bureau.

Report misconduct by CCS Offices to CFPB

Both the federal and individual state laws protect you against misconduct by debt collectors. A while ago, debt collectors played by their own rules, leaving consumers helpless and confused. However, the Consumer Finance Protection Bureau (CFPB) demands that debt collectors stick to a particular code of ethics.

The FTC enacts the Fair Debt Collection Practices Act (FDCPA), which requires debt collectors to:

  • Identify themselves as debt collectors
  • Follow up the first contact with a written debt validation notice within five days
  • Contact you only between 8:00 am and 9:00 pm your time
  • Provide company address, phone number, license number

CCS Offices may not:

  • Threaten you with wage garnishment or arrest if they are not authorized to do so
  • Use misleading information to collect a debt
  • Embarrass you by making your credit account public
  • Lie to you
  • Ask you to pay more money than you owe
  • Spam call you

If CCS violates your rights, report them to CFPB online or call 855-411-2372.

The Better Business Bureau (BBB) is also an excellent place to air your views and reviews. The company gets an opportunity to respond to your complaints.

Take charge of your credit

Buying on credit is the American way. And the health of your credit affects your daily life. Renting an apartment, financing a car, getting a personal loan; all depend on how good your credit score is. That's why many companies have come up to help consumers deal with the inevitable credit issues such as errors in your report, accounts in collections, etc.

The good news is that you don't need credit repair companies or lawyers to keep your credit in good health. You can handle everything all by yourself. To do so, develop these habits:

  • Check your credit report regularly.
  • Dispute any incorrect information on your report.
  • Always send a Debt Validation Letter for every debt.
  • Pay validated accounts as soon as possible.
  • In case of a lawsuit, Answer immediately.

CCS Offices are notorious for rubbing consumers the wrong way. The situation is not hopeless, though. You can beat them if you have the necessary information.

Respond to a debt lawsuit against CCS Offices

If CCS Offices is taking you to court over a debt you owe, don't give up. The first step to winning your case is to respond. Most consumers ignore debt lawsuits like this, usually because they simply don't know how to respond. SoloSuit can help you respond to a debt lawsuit in minutes.

When responding to a debt lawsuit, follow these three steps:

  1. Answer each allegation listed in the Complaint document.
  2. Include a section where you assert your affirmative defenses.
  3. File the Answer with the court, and send a copy to CCS Offices.

Following these three steps has proven to help consumers like you beat debt collectors like CCS Offices. Let's take a look at an example.

Example: In California, Hannah was sued by CCS Offices for a medical debt she didn't know about. The debt was from a doctor's visit from more than seven years prior. Hannah used SoloSuit's Answer form to draft her response and file it with the court. As one of her affirmative defenses, Hannah declared that the statute of limitations on medical debt in California was only 4 years and had passed for this debt. When CCS Offices couldn't prove that the debt was still within the statute of limitations, they dismissed the case.

To learn more about these three steps, check out this video:

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

Get Started

We have answers.
Join our community of over 40,000 people.

You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.

Ask a Question

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources