What Are CCS Offices? How To Remove Them From Your Credit Report?

If you have a debt that is unpaid, there are high chances for you to receive harassing phone calls from CCS Offices, or as people popularly call them, Credit Collection Services Offices.

CCS Offices is a third-party collection company that is in charge of collecting debts on behalf of the original creditor by either burying the debt or gathering debt and keeping away a portion of the payment.

To get this done, you first need to open a collection account on the credit report and reveal that it has the authorization to collect the debt.

A collection entry on your credit report may turn out to be quite hazardous for your credit score. The best way to fix it is by removing the entry of CCS Offices from your credit report as soon as possible.

What Is CCS Offices?

CCS Offices is a legit, medium-sized agency that collects debt whose headquarters are located in Norwood, Massachusetts.

Originally, it first opened in Delaware in 1969. It generates profit by collecting debts on behalf of creditors or by buying out debts from creditors in a number of industries. This includes health care, utilities, insurance, financial services, etc.

However, the CCS Offices, or CCS Companies in general, are not so popular among customers. CCS Offices have had more than 2,000 complaints filed against it with the Consumer Financial Protection Bureau. More than 1,000 complaints with Better Business within the last three years.

Most of these complaints are related to violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. These violations include:

• Harassment
• Inaccurate reporting
• Failure to respond to debt validation requests

Why Are CCS Offices Contacting Me?

Having an interaction with a debt collector or the CCS Offices may be overwhelming and intimidating. However, there are steps that you may take to protect yourself from being attacked by such unfair practices and harassment.

You may send a certified letter to cease the contact; however, that will not be discrediting the debt if it is genuine.

Additionally, you may also ask for evidence of the said debt and proof of your responsibility.

The Fair Debt Collection Practices Act has a set of regulations that debt collection companies are bound to follow when they engage with customers. If there is a case where the CCS Offices have violated this act, customers have the right to file a complaint against such violations to the Consumer Financial Protection Bureau.

Ways To Remove CCS Offices From Your Credit Report

If there is a situation where you have gotten the CCS Office’s record in the credit report, here are some of the steps that you may follow to get them off the credit report.

• Validate the debts
• Request for the deletion of goodwill
• Negotiate a pay-for-delete agreement
• Work out with a professional

Let us now get into the details of the above-mentioned steps.

Validate The Debts

The very first thing that you must do is verify all the details of the debt. As per FDCPA, you have every right to question the CCS offices to produce tangible evidence that the debt, in fact, is yours and that the CCS Offices have authorization to collect it.

This will require you to send through a letter of debt validation. It must happen within 30 days after the CCS Offices first make a visit.

Request A Goodwill Deletion

If you have paid the debt, there is nothing that you should be worried about. It is still possible for you to remove the account of collection from your credit report by asking the CCS Offices to provide you deletion of goodwill, which is the case where you ask CCS Offices to not treat the debt to the big credit bureaus out of kindness.

This may only be successful if you have paid the debt and maintain a record of paying the debt on time.

Negotiate For A Pay-For-Delete Agreement

If the CCS Offices validate your debt, the next step that you will take is to negotiate for a settlement, which is a pay-for-delete agreement.

This is where the CCS Offices will agree to delete the entry of collection from your credit report in exchange for the debt payment.

Agencies will usually pay less than the total amount, but that will definitely require negotiation.

You need to check your credit report after 30 days of making the payment to make sure that the CCS Office record is not there anymore. If it is not there, you must continue to make the payments till you have paid in full. If you see the record still there, you must call the CCS Offices and give them a reminder of the agreement.

Work With A Professional

Dealing with debt collection agencies can be stressful and difficult and may sometimes get next to impossible to deal with those all on your own.

This is where a credit repair company comes to the rescue.

A credit repair company is a professional within the industry that can help in disputing the negative entries on the credit report and eliminate them. They will look after all the communication processes, negotiations, and settlements as they follow and save you all the stress.

However, it is important that you work with a reputed credit card company to make sure that you are getting the absolute services that you are paying for.

CCS Offices Is Not A Scam

While debt collection companies have a stained reputation, not all of them are bad. Some debt-collecting agencies may engage in ill practices. The rest of them that are legitimate, and abide by laws of debt collection and consumer protection.

In the United States, the federal and state legislation closely monitors all the debt collection activities. These legal measures offer citizens a shield from any harm or mistreatment from creditors.

What Are The Most General Credit Report Inaccuracies? 

The credit score is extremely vital as it is a representation of the financial health of an individual. Therefore, it is important to protect against any lame errors that might have been lurking in the shadows. Checking and addressing the inaccuracies regularly on your credit report may help you maintain its accuracy in the years to come.

Some of the most common types of inaccuracies may include:

• Incorrect personal information like incorrect address, misspelling, or wrong social security numbers.
• Duplicate accounts may make it appear like there is more debt present than the actual numbers.
• Accounts that may appear to be in collections or past due while they are not/
• Account balances that have a report of higher amounts than what you are actually owning.
• Unauthorized accounts that have been opened without the approval of the account holder.

You need to give the credit all the attention it deserves. Disputing the errors with the credit bureaus immediately can help safeguard against all of the negative effects. But, if the reviewing and disputing of the inaccuracies appears to be too much of a hassle, you may reach out to the credit card assistance services. These are the kind of experts who may present to you a report that is as clean as water.

Potential Legal Actions And Wage Garnishment 

Debt collecting agencies such as the CCS Office are quite capable of taking legal action against those debtors who do not fulfill their financial obligations. However, the law has imposed stern limitations and guidelines on those creditors before they may even begin garnishing the wages or initiating a lawsuit.

For example, if a creditor wishes to take the debtor to court, they need to first provide all the evidence that the person actually owes money to them. If the courts give the verdict in the creditor?s favor, they will be issuing a formal judgment that would allow them to take up special actions like wage garnishment.

If you want to avoid any issues that may be related to wage garnishment, it is best for you as a debtor to be as proactive as possible with the CCS Offices. For instance, first discussing the plans for payment or deciding to settle any existing balance for less in comparison to what was initially owed is a pretty effective approach. In an alternative way, if you think that a certain debt is not a debt after all, you may seek professional help that would identify these errors and assure you that all the incorrect debts are removed from your records as a whole.

The Bottom Line

It is not enjoyable for anyone to deal with a debt collecting or a debt collecting agency in general. But it is always better to handle it punctually to avoid any heavy damage to your credit score.

Removing the account of CCS Offices collection is the ultimate way to get your credit score back on track and move a few steps closer to reaching your financial benchmarks.

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