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Southern Tier Credit Center Inc


112 Main St Fl 2
PO Box 118
Hornell, NY 14843-1525

Contact Them:

Phone: (607) 324-2600
Fax: (607) 324-3918


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.


    1. Mike F. on April 5, 2015 at 9:21 pm

      Southern Tier Credit Center calls me early in the morning and asks me if I’m some Spanish named person. They told me they were Southern Tier Credit Center but would not tell me what they do. I told them they have the wrong number but Southern Tier Credit Center keeps calling asking for the same person.

    2. Shawn I. on May 20, 2015 at 10:12 pm

      I was told that that Southern Tier Credit Center cannot call me as I am in chapter 7. Then I got a call from Patrick at Southern Tier Credit Center. My attorney is getting the papers ready now to sue Southern Tier Credit Center. It is a home run.

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