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Creditors Specialty Service Inc

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Creditors Specialty Service Inc is a company that works with various businesses to provide collection services and recover debt. Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.

  • 4 Comments

    1. Chris on February 10, 2015 at 8:12 pm

      The first call started with a young man informing me that he is calling from the “Courts.” Later he would inform me that he was a debt collector trying to save me attorney fees. I informed him I was recording our conversation. He informed me later in the conversation that he would file with the Courts before 7 years for the rest of my life so that this debt would never leave my credit even if I’m 66 years old. Can he go after my bank accounts?

    2. Paul Brody on April 3, 2015 at 12:53 pm

      I was contacted by Creditor Specialty Service approximately April 2011. I entered an agreement to pay $150 a month. No statements ever provided. After 4 years and closing in on paying the debt off. I was called and asked if I’d like to settle the debt for more than I originally owed 4 years ago. The trick was to ask if I had it in writing. I’m fortunate to have worked myself out of a bad financial spot and able to settle the original agreed amount but others might not be so fortunate. It’s a bait and switch tactic. Creditor Specialty Service then calls. Accept an agreement. Have a statement about the call being recorded. Then have no recollection of an agreement. This isn’t so much for me in a case as for your info. By the way I’m retired military which I believe is a protected group.

    3. Phoenix on March 8, 2016 at 2:43 pm

      Calling to collect on a vehicle towed from a spot that a friend gave permission to park in. Apt complex towed it. They agreed to settle for 125 and now refused and want 262. They advised you need to be an adult and this is how life works.

    4. Patricia Baptiste on October 2, 2016 at 10:53 am

      I had a voluntary repo back in 2008. They tried to ganish my wages but I filed a hardship, so it stopped the garnishment. Now CCS has contacted my job and myself threatening to garnish my wages and that I owe 40,000.00 I sent a letter disputing and asking for proof of debt. They sent me court papers with a case # 08CR1231 out of L.A. County but I cant find the case. They also threaten to put a lien on my bank accounts.

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.