Sarah Edwards | January 16, 2023
Summary: EOSCCA is a legitimate debt collection agency based in Massachusetts. EOSCCA collects for all sorts of creditors and lenders, including banks, student loan providers, and telecommunications companies. So, if you see EOSCCA on your credit report, you probably owe someone money, and there is a chance EOSCCA will take you to court to recover the debt.
Receiving a notification in the mail that you owe money to a debt collector can be exasperating. You may be going along with your regular day — working, taking care of your family, or just handling normal activities.
That notice can be enough to change a sunny day into a stormy one. This reality is especially true if you don’t know who the debt collector is or what the debt is for.
If you receive a debt collection notice from EOSCCA, you likely won’t recognize them. Included in their letter should be information related to the debt that you may owe.
This information should include the original lender, the account number, and the amount of the debt. However, before succumbing to the debt collection letter and simply paying it off, make sure that this is a legitimate debt that you do, in fact, owe.
You can do this by checking your personal records. In many cases, debt collection agencies purchase thousands of aged accounts from creditors for small amounts.
In some cases, the accounts receivable team at the original lender may not have applied your payment to your account, or they may have provided the incorrect contact information to the debt collection agency. There are also instances of identity theft where someone else opened an account in your name and didn’t pay it off.
In this guide, we’ll explain who EOSCCA is and how they practice debt collection.
EOSCCA is a debt collection agency that is based in Massachusetts. They work with numerous lenders and businesses, including banks, education lenders, and telecommunications companies. If you receive a debt collection notice from EOSCCA, it could potentially pertain to just about any type of debt.
Originally founded in 1991 as Collection Company of America, EOSCCA was renamed in 2001 to become the U.S. arm of the EOS Group, a worldwide accounts receivables collection and financial services provider.
If you receive a notice that you owe a debt from EOSCCA and you don’t recognize it, it’s important to dispute the notification as soon as possible. Typically you have 30 days to do so.
If you feel that the debt collection practices that are being implemented by EOSCCA are unfair, you have rights. The Fair Debt Collection Practices Act (FDCPA) prevents collection agencies from engaging in harassing or abusive collection activities. These behaviors include:
If you experience any of these behaviors or other actions that seem to be abusive, you can put a stop to it by filing a complaint with the Consumer Financial Protection Bureau. In some cases, you may be able to file a lawsuit against the company.
When you receive a complaint from EOSCCA intended to notify you of a lawsuit, you need to respond as soon as possible. If you don’t believe that you owe the debt, you should provide an answer that requires EOSCCA to validate that you do, in fact, owe the debt.
You should require that EOSCCA provide the appropriate documentation that they have the right to sue you and that you are the person responsible for paying back the debt.
If you allow the lawsuit to progress without either repaying the debt before the court date or providing an answer to the complaint, a default judgment may be entered against you.
A judgment can impact your credit report, leaving you unable to obtain future loans or enter into a lease. In addition, EOSCCA will be given the right to pursue further legal action against you. This action may include garnishing your wages, placing a lien on your property, or freezing your bank account.
Let’s take a look at an example.
Example: Katie is being sued by EOCCCA in New Jersey for an old credit card debt. She uses SoloSuit to respond to the lawsuit with an Answer before the New Jersey deadline, which is 35 days. In her Answer document, Katie denies most of the claims and lists several strong defenses with SoloSuit’s help. A few weeks later, Katie is relieved to hear that the lawsuit has been dismissed because EOSCCA didn’t have enough evidence to prove all their claims.
If you’re being sued by a debt collector such as EOSCCA, you will need to file an answer with the courts to defend yourself. SoloSuit provides you with the legal answer you need that can be filed with your local courts.
Simply by answering a few questions, you’ll be provided with a free PDF that contains all of the information you need to respond to the lawsuit. If you’d like an attorney to look over your answer prior to filing, we offer a paid option that includes a lawyer review.
Check out our guide on How to Beat EOS CCA to learn more about how you can fight off EOS debt collectors before and during a lawsuit.
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.
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.
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now are are just look for support, we're here for you.
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.
Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.
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