Dena Standley | January 16, 2023
Summary: Is EOS CCA suing you for a debt? SoloSuit can help you take a stand and win in court.
A debt collector's call can instantly disrupt your thought process and ruin your day. Texts and letters are not fun either. Whether the debt is yours or misplaced, you can act to stop the calls and outsmart debt collectors.
Most debt collectors are overly aggressive, making consumers like you feel like they have no way out. EOS CCA, for example, has earned a reputation for harassment and less than stellar customer service.
It's important to know your rights and all the options at your disposal before responding to EOS CCA. How you handle a collector's calls and letters can make a substantial difference in the health of your credit.
The way EOS Collection Company of America (EOS CCA) collects debt has left many consumers concerned that it could be a scam. On the contrary, it is a legitimate debt collection company that has been operating since 1991. It is headquartered in Norwell, Massachusetts, United States. They are a third-party debt collector for a variety of creditors.
If you are wondering who they are, you may want to visit the company's website. However, you will get a second opinion by checking their Better Business Bureau profile. Your fellow consumers are not happy.
EOS CCA is not BBB accredited. Consumers cite harassment, empty threats, and persistent calls.
Let's take a closer look.
If you feel like you are being harassed by EOS CCA, you're not alone. As of 2022, EOS CCA has received 222 complaints through its Better Business Bureau profile. These complaints involve a variety of unfair debt collection practices. Some of these practices include:
Let's consider a real example:
Example: One consumer, we'll call him Jack, received a notification from EOS CCA about a debt of $63.12 that was originally due to Sirius XM Radio. Jack canceled his subscription with Sirius XM in 2021 with no outstanding balances due. When he heard about the supposed debt from EOS CCA, Jack called Sirius XM to verify that he closed his account in good standing. Sirius XM confirmed that no debt was due when Jack's account was closed, but when Jack reached out to EOS CCA about the debt, they could not verify any information without his Social Security Number. Months later, he is still receiving collection letters from EOS CCA. When he tried to reach out again, he was placed on hold for more than an hour on several occasions.
If you have a complaint against EOS CCA, you can file it with BBB. You may also consider filing a report with the FTC, CFDP, or your state's attorney general if you feel your rights have been violated.
Is EOS CCA calling you? You can protect your rights with these simple steps:
Now, let's break down each of these steps in detail.
Debt collectors make mistakes, especially those that purchase debts from a third party. During the transition from one creditor to another, information is lost, or EOS CCA finds inaccurate information in its attempt to collect the debt.
You may be tempted to pay a debt that's not yours just to get EOS CCA off your back, especially if it's a small amount. That's never a good idea. Accounts in collections stay on your report for years and negatively affect your credit score even after payment. Instead of paying a debt before you're sure it's accurate, ask for validation.
EOS CCA should verify each debt within just five days of reaching out to you. Send EOS CCA a Debt Validation Letter. This letter not only requests that the EOS CCA investigates and confirms the debt, but it also reports the debt as disputed. EOS CCA has thirty days from the day you receive the letter to prove that the debt belongs to you.
You can contact the company through their website. Remember that they can't get back to you via email about the debt if they stick to debt collection regulations. Someone will have to call you back. It would be best to reach out to them in writing so that you can keep a record of all communications. If you prefer to call first, EOS CCA's number is (877) 395-5997.
The debt collection industry is highly regulated. To prevent debt collectors from infringing on your rights, you need to understand those rights.
According to the new FDCPA regulations, EOS must adhere to a strict code of conduct. Anyone contacting you about debt may not:
Your state's statutes of limitations may also come to your defense. Every state limits the period within which a debt collector must collect the money. After that time lapses, the account is considered expired. You don't have to pay debts that are past your state's statutes of limitations.
Never give anyone contacting you about debt your personal information on the phone. Debt collection employees should identify you when they call. Don't feel obligated to give details about your credit accounts.
Fraudsters also pretend to be debt collectors. If you give them your information, they may steal your identity.
To protect yourself, always communicate with debtors in writing. Keep the originals of any attached documents for yourself. The mailing address for EOS CCA is:
PO Box 329,
Norwell, MA 02061
EOS CCA intends to collect money. They would prefer that you pay debt instead of taking you to court. They also cannot sue you for an unvalidated debt.
However, if you don't pay a validated debt, the company may sue you. When you receive a court Summons, you may feel defeated. Court hearings are daunting. You don't have to go through all that. Even if you can't hire an attorney, you can still win against EOS CCA when you represent yourself by filing anY Answer with SoloSuit's help.
When you draft your Answer to a debt lawsuit, follow these six steps:
To learn more about these steps, check out this video:
A debt collector's entry on your report is not good for your credit. There are easy ways to get them out.
Pay for delete is one such option. Ultimately, EOS CCA is concerned about debt collection. Although it may seem like they want to ruin your credit, they would prefer to make their money in the easiest way possible. Contact the company and inquire if they are willing to remove the account from your report when you pay. If they accept your proposal, you will stop their calls and repair your credit simultaneously.
If the EOS CCA account is on your report by mistake, you can dispute with the major credit bureaus to have it removed. Contact each bureau separately as they work independently. When you send a written dispute, the bureaus have a limited time to investigate and delete any inaccurate entries. Don't worry if you can't prove that the entry is a mistake. Your job is to point out the error. It's the bureaus' job to provide evidence.
Here are the addresses for each credit bureau:
Credit Bureau Agency Address
P.O. Box 740256
P.O. Box 4500
P.O. Box 2000
It's stressful just dealing with debt collectors. If you have a delinquent account, you're scratching your head for ways to close the account. You have a way out. Always validate every debt, use the law to your advantage, answer lawsuits promptly, and get EOS CCA off your credit report.
SoloSuit helps you face debt collectors like EOS CCA with confidence without needing to hire an attorney. If you are struggling with debt collectors and tired of the harassment, you can find help by reading SoloSuit's blog.
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.
"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
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.
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
Is your credit card company suing you? Learn how you can beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.