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Security Credit Systems Inc

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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.

  • 5 Comments

    1. Melissa S. on March 31, 2015 at 11:18 pm

      I have been getting harassing calls from Security Credit Systems. Security Credit Systems claims I owe my college over $3000.00. I explained to Security Credit Systems that I had paid off all my student loans. I have asked Security Credit Systems to validate this alleged debt and they have yet to do so. Security Credit Systems actually wrote on a collection letter that they would “use all lawful means necessary” to collect from me, and that they “would prefer it if I paid voluntarily.”

    2. Kevin S. on May 16, 2015 at 8:33 pm

      Security Credit Systems has not only been contacting me when they shouldn’t be, but they have done so in an unprofessional and threatening manner. Security Credit Systems also displayed the same type of behavior to my mother.

    3. Jenn R. on August 14, 2015 at 6:38 pm

      Security Credit Systems Inc is sending me mail only so far. Security Credit Systems Inc is collecting for Indiana University.

    4. Deborah Ryan on June 20, 2016 at 10:34 pm

      I owed a dental school money which I eventually paid off. I called to schedule an appointment to have another crown as mine fell off. I was informed that I had to to settle with this company first. I explained that I had no dealings with them as all my payments were sent directly to the dental school. I was informed this company had a “block” on & until I paid them I could not be seen. I also found out they put this on my credit report. I sent this company a letter certified return receipt informing them since I had never spoken with anyone there nor received any kind of bill, statement , correspondence I would not pay them & I expected this “block” lifted & this removed from my credit report. They have done nothing so I reported it to the attorney general office as well as consumer fraud bureau.

    5. Jonathan Englert on November 28, 2016 at 4:54 pm

      My son apparently put me down as a reference. Security Credit of Buffalo calls me sometimes three times a day. I answered the call and told him my son is 27 years old and doesn’t live with me and hasn’t for years. He wanted me to give him his phone number, I told him no and to take my number off his list. He said he couldn’t do that. True?

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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.