State Collection Services Debt Collection Harassment
Tired of State Collection Services Debt Collection Harassment? Wish there was a way to make the calls stop? Is State Collection Services constantly calling and harassing you? Does your phone ring every day, several times per day, because State Collection Services is calling you to demand payment? Threatening you with legal action? Has State Collection Services ever used abusive or profane language when speaking with you on the phone? If so, State Collection Services may be violating your legal rights. Stop the harassment.
The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs. You also have the ability to dispute or negotiate the debt with State Collection Services, which can help you protect your rights and potentially resolve the issue.
If you want to stop harassment, remember that you have legal rights and options. It is important to respond promptly to any legal notices or lawsuits from debt collectors to avoid default judgments and ensure your side is heard.
If you feel overwhelmed by debt collection harassment, consulting a lawyer can help you understand your rights and provide guidance on the best course of action.
Is State Collection Services a scam?
According to the Better Business Bureau website, State Collection Services has been in business since 1949. There have been 72 customer complaints filed.
The company focuses on medical debt collection, providing services primarily to healthcare providers and related industries.
State Collection Services Better Business Bureau
Who is State Collection Services?
State Collection Services is a third party debt collector located in Madison, Wisconsin. They collect debts on behalf of other companies, such as healthcare providers. State Collection Service collect medical bills and other delinquent accounts, often focusing on bad debt that has been written off by the original creditor. When contacted by State Collection Services, it is important to verify all debt information, such as the date of the last payment and supporting documentation. They have been a party to several federal cases based on their issuance of credit and collection of debts incurred on their credit cards. Furthermore, a recent Federal Court case alleges that State Collection Services used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
Address: 2509 S Stoughton Rd Madison, WI 53716-3314 Phone: (800) 477-7474 Fax: (608) 661-3001
State Collection Services is often referred to or searched for by other names. These include:
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State Collection Services Debt Collection Harassment Tactics
Consumers may be called or contacted through various communications, including phone calls, letters, emails, texts, and social media messages, when dealing with debt collection. Harassment from debt collectors can have a serious financial impact and affect a person’s well-being. If State Collection Services engages in any of the following tactics, you may have a case:
- Calls before 8:00 a.m. or after 9:00 p.m. or at any time or that they are given notice that it is inconvenient to call (FDCPA 15 U.S.C. 1692c)
- Talking to others about your debt, including contacting your family members regarding your debt (FDCPA 15 U.S.C. 1692b)
- Call the consumer’s place of employment if they have been advised that calls cannot be accepted at work. (FDCPA 15 U.S.C. 1692c)
- Use any profane language or any language that is harassing and abusive (FDCPA 15 U.S.C. 1692d)
- Engage in any conduct, the natural consequence of which is to harass, abuse or oppress a person. (FDCPA 15 U.S.C. 1692d)
- Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment( FDCPA 15 U.S.C. 1692e)
- Threaten arrest or criminal prosecution ( FDCPA 15 U.S.C. 1692e)
- Send false information to the credit bureaus ( FDCPA 15 U.S.C. 1692e)
- Cause a telephone to ring an unreasonable amount of times ( FDCPA 15 U.S.C. 1692d)
- Failing to honor a written letter requesting that all communications stop, such as a cease and desist letter sent by certified mail.
- Not properly handling disputed debts or failing to acknowledge when a debt has been disputed by the consumer.
- Demanding payment or threatening negative financial consequences if you do not pay, which can impact your financial health.
- Not allowing the consumer a reasonable opportunity for responding to collection efforts or ignoring responses.
- Sending multiple letters or communications after being asked to stop in writing.
- For example, repeated calls or letters after a debt has been disputed or after a letter has been sent requesting all communications stop.
These actions can be especially harmful to your financial situation and peace of mind, and it is important to know your rights when responding to such tactics or paying a debt.
State Collection Services Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
800-477-7474, 877-677-7862, 800-387-1357
If so, you may be a victim of State Collection Services debt collection harassment. The list above is not all the numbers that State Collection Services uses. Also, calls can be from a different numbers and it still be State Collection Services calling you. Contact our office right away so we can start the process to stop State Collection Services from calling you illegally. Above all, no one should live with harassment.
Credit Report and Debt Collection
When it comes to debt collection, understanding how your credit report is affected is essential for every consumer. If State Collection Service or another debt collector is trying to collect debts from you, they may report your account to a credit reporting company. This action can have a significant impact on your credit report and overall credit score, making it harder to obtain loans, credit cards, or even rent an apartment in the future.
Under fair debt collection practices and federal laws like the Fair Debt Collection Practices Act (FDCPA), debt collectors—including State Collection Service—must follow strict guidelines when reporting debts to credit reporting companies. They are prohibited from using harassing tactics, such as making repeated phone calls, using obscene or profane language, or threatening legal action that they cannot take. If a debt collector violated these rules, you have the right to file a complaint and may be entitled to damages.
If you notice a collection account from State Collection Service on your credit report, it’s important to verify that the information is accurate. You have the right to request validation of the debt, including details like the original contract, account number, and the amount owed. If you find inaccurate information or believe the debt is not yours, you can dispute the entry with the credit reporting company. They are required by law to investigate your dispute and correct any errors.
State Collection Service, like many collection agencies, may focus on specific types of debts such as medical debt or unpaid bills. Regardless of the type of debt, they must comply with both federal and state laws when attempting to collect. If you are being contacted by phone, mail, or electronic communication, keep detailed records of every interaction. This documentation can be crucial if you need to prove harassment or dispute a debt.
If you want State Collection Service to stop contacting you, you can send a written request by mail. Once they receive your request, they are legally required to stop most forms of communication, except to notify you of specific actions like filing a debt collection lawsuit. If you’re struggling financially and unable to pay, consider negotiating a payment plan or settlement. However, be cautious—debt collectors sometimes attempt to collect debts that are past the statute of limitations, so always check the age of the debt before making any payments.
In summary, being proactive and informed is your best defense against unfair debt collection practices. Regularly review your credit reports for inaccurate information, know your rights under the FDCPA, and don’t hesitate to dispute errors or request that debt collectors stop contacting you. If you feel overwhelmed or believe your rights have been violated, seek legal advice to protect yourself from debt collection harassment and ensure your credit report remains accurate.
Common Questions:
Is State Collection Services a scam? No, State Collection Services has been in business since 1949.
Can State Collection Services seize my property? State Collection Services can’t seize your property, but there are some exceptions. If the debt was tied to the property the collector may be able to repossess it. Or, if the collector has sued and obtain a judgment against you, the debt collector may be able to take certain property as permitted by the court.
Can State Collection Services sue me? Yes, State Collection Services can sue you so long as the debt is within the statute of limitations.
Can State Collection Services report my debt to the collections bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report
Can State Collection Services arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
The following is a sample list of complaints filed against State Collection Services and can be found on Pacer.org.
2:19-cv-00447-NBF KOHLER v. STATE COLLECTION SERVICES, INC.
3:18-cv-01064-jdp Davidson, Vickey v. State Collection Services Inc.
2:18-cv-00106-PP Wallis v. State Collection Services Inc
1:17-cv-00348 Emmer v. State Collection Services, Inc.
1:14-cv-05518 Busiel v. State Collection Services, Inc.
CONSUMER RIGHTS LAW FIRM, PLLC
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Contact a legal professional to stop State Collection Services debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Consumer Rights Law Firm, PLLC Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent State Collection Services debt collection harassment, call us at for immediate assistance or visit our website at www.consumerlawfirmcenter.com.
Success Stories
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
Check out a links below for more information:
https://consumer.ftc.gov/articles/debt-collection-faqs
https://consumerlawfirmcenter.com/advanced-collection-services-debt-collection-harassment/
https://consumerlawfirmcenter.com/usi-solutions-debt-collection-harassment/
