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You received a call from 7816949000 (aka 781-694-9000) or a mailer and wonder why is contacting you. What company is contacting you? The answer is Credit Control Services (CCS).

 Credit Control Services is a debt collector, so it’s likely that the representative is calling you because they believe you have an unpaid debt that is past due. According to CCS’ covered services, the representative may be calling you for auto deficiency, telecom past due, education, healthcare or financial services accounts.

We will cover the following in this article.

Why is Credit Control Services calling me from 781-694-9000?

The main reason that Credit Control Services (CCS) is contacting you is most likely unpaid debt. CCS may have purchased that debt from a bank or could just be a collection agency working on behalf of the bank.

If you are in financial hardship and found yourself with some unpaid debt, that could be one reason that they are reaching out to you. However, if you feel as though they are nothing more than just a pestering caller, read on to see how you can stop Credit Control Services from contacting you.

Can I stop Credit Control Services from contacting me?

Yes, you have right as an individual under the Fair Credit and Reporting Act (FCRA). Under the FCRA, you are allowed to ask the debt collector to stop calling, texting, emailing or mailing things to you, and they are required by law to stop the communication. This is irrespective to the fact that you may owe them the debt.

If you are certain that Credit Control Services is contacting you on false information, and that they have no reason to be calling you, you may be able to file a complaint under the FCRA compliance.

Will Credit Control Services Sue Me?

It’s hard to say for certain if they will sue you due to your unpaid debt. Based on our review of 2141 lawsuits for unpaid debt, Credit Control was not the plaintiff on those lawsuits. That said, it is possible that Credit Control System may hire an attorney to sue you for the unpaid debt.

However, this is not for certain and cannot be the sole basis of information for your financial situation. We will make sure to help you get all of the information needed to help you make the most informed decision.

What Happens if Credit Control Services Sues Me?

A common question is, “How often do debt collectors take you to court?”, so we will spend a bit more time as we want you to be the most informed about your option. What often happens when a debt collector sues is that you will receive a summons at your place of residence. You will have a certain period of time to respond. If you do not respond, the plaintiff will most likely pursue a default judgment, which the creditor will often use to collect the funds via wage garnishment, levies, and liens. You should check out our article here to determine whether how your state treats these debt collection efforts.

What about Statute of Limitations?

You may check the statute of limitations for your state for unpaid debt to understand how to resolve the debt. Here’s our calculator that estimates the statute of limitations for your state. Often, the creditor will sue before the debt becomes time-barred because a debt collector should not sue when it’s past this time frame. That said, it’s important to understand your rights.

What are my options to resolve this debt with Credit Control Services?

There are a few options you can utilize for resolving your debt: 

  1. Calling them up and negotiating with them
  2. Debt Settlement 
  3. Debt Management
  4. Bankruptcy

Calling them up and negotiating with them. This tends to be a great option if you don’t have many creditors and do not have much debt. A debt settlement company could help with negotiations if you have a lot of creditors and a lot of debt outstanding because there’s a lot of logistics related to payment and negotiation operations, but if you only have 1-2 debts, it can be easy to just work with them.

Debt settlement is where the creditor will work with a debt settlement company to reduce your debt owed. For instance, if you have $10,000 of debt and you have not been able to pay it, creditors may work with a debt settlement firm to reduce it from $10,000 to $5,000. This is a popular option for individuals, because debt settlement generally ends up being quite a bit cheaper than other options. 

Debt management is very similar to debt settlement with regard to reducing the number on your debt owed. However, debt management is reducing the interest rate on the debt compared to the amount owed. For instance, just like debt settlement, a creditor may reach out to a debt management company and lower the interest rate from 22% to 8%. This is another good option, but can sometimes end up being more expensive than debt settlement.

Finally, bankruptcy is another option when dealing with debt that may be unpayable or better off filed for bankruptcy. There are two main options for bankruptcy, which include: Chapter 13 Bankruptcy and Chapter 7 Bankruptcy. Filing for bankruptcy can sometimes be the best option, with respect to a handful of factors. We created a debt relief option to help you make the most informed decision. If you are considering filing for bankruptcy or are trying to figure out the best debt relief option for yourself, utilize our debt relief calculator.

What Questions Can We Answer for you?

This can be a lot of information to take in, so we want to make sure you know that we are here if you have any additional questions. If you have any questions at all, please don’t hesitate to contact us through our chat support on tryascend.com, text or call us at (833) 272 – 3631, or email us at support@tryascend.com.

Post Author: Ben Tejes

Ben Tejes is a co-founder and CEO of Ascend Finance. Before Ascend, Ben held various executive roles at personal finance companies. Ben specializes in Chapter 13 Bankruptcy, Debt Settlement, Chapter 7 Bankruptcy and debt payoff methods. In his free time, Ben enjoys spending time going on adventures with his wife and three young daughters.

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