Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.
Co-Founder of SoloSuit George Simons, JD/MBA
George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.
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:
CCS Offices may call about unpaid debts for industries like banking, healthcare, or telecom. To settle,
validate the debt, negotiate a payment plan, and get everything in writing. Solo can help with
all this and more.
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.
If Credit Collection Services (CCS) has reached out to you, there are several steps you can take to stand up for
your rights and settle the debt legally.
Settle debt with CCS Offices
You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.
Credit Collection Services is a legitimate debt collection company that has been in business for over 58 years. CCS
Offices is one of multiple companies that operate under the umbrella “CCS Companies,” which is based in
Massachusetts.
You can contact the company at the CCS Offices phone number:
Credit Collection Services (CCS) is one of the largest and most respected collection agencies in the United States.
The company leverages advanced system technology, skilled customer service agents, and robust compliance programs to
efficiently manage large volumes of accounts.
As a trusted partner in debt recovery, CCS employs strategies such as skip tracing, payment plan administration, and
multilingual support to ensure comprehensive and effective collection efforts.
Is CCS Offices Legit?
Yes, CCS Offices is legit. It’s a debt collection agency that will call you with the intention of collecting an
alleged unpaid bill. Even though the company isn't BBB accredited, they have an excellent-looking B rating on their
profile.
Who does CCS Offices collect for?
CCS Offices pursues all types of consumer-related debts. Specifically, CCS Offices collects for companies in the
following industries:
Banking
Cable
Credit card
Government
Healthcare
Insurance
Medical
Personal loans
Retail
Telecom
Tolls
Utility bills
CCS Offices also collects debts on behalf of original creditors.
Why is CCS Offices calling me?
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 discuss your options, the CCS Offices phone number is (617) 965-2000.
How to negotiate with CCS Offices to settle debt
You can negotiate for debt settlement at any stage of the collection process—even after being sued and filing an
Answer to the lawsuit. A debt settlement offer effectively asks CCS Offices to consider taking a lower amount than
what is owed for the original debt. Many debt collectors are willing to settle for less, especially if you offer a
reasonable lump sum payment.
Here are some steps you can take to negotiate a debt settlement:
Calculate what you can actually pay towards the balance of the debt. For example, could you reasonably pay half
of the amount owed and still have money left over to cover your living expenses? Doing this calculus is
important because it can give you a guidepost for settlement negotiations.
Make a reasonable settlement via a debt
settlement letter requesting that the firm consider your offer. The settlement offer should be lower
than the number you calculated in Step 1. This will leave room for you to negotiate upward if they reject your
first offer. Make sure to engage in written settlement communications with CCS Offices and continue to use
written communication throughout the process.
If you are able to reach an agreement on a settlement amount after negotiations, draft a Debt Settlement
Agreement for both parties to sign.
Be sure to pay the agreed amount in time.
Learn more about how to settle your debt with CCS Offices by watching this informative video:
Read CCS Offices reviews online before you negotiate
If you are curious to know what people have said about their interactions with CCS Offices on different debt
collection matters, then take a moment to read these reviews:
Despite the online reviews of CCS Offices being pretty mixed, this should not deter you from taking steps to engage
with them in an effort to resolve the debt collection matter. Many debt collectors, including CCS Offices, are open
to working with individuals to resolve their concerns and get their debt paid in a manner that works for them, based
on their current financial situation. Proactive communication is the key.
If calling a debt collector to negotiate doesn’t sound like your idea of fun, try using SoloSettle to negotiate online and resolve your debt through the
digital settlement platform.
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 the 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:
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:
Answer each allegation listed in the Complaint document.
Include a section where you assert your affirmative defenses.
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:
How to Answer a Summons for debt collection in all 50 states
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.
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Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.
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