Sunrise Credit Services Phone Harassment?
Is Sunrise Credit Services (SCS) calling you? Are you getting constant calls from Sunrise Credit Services? Debt collectors like Sunrise Credit Services, a debt collection agency, are tasked with the responsibility of contacting debtors on behalf of creditors. If you are getting calls from Sunrise Credit Services, then it is most likely because you have defaulted on your debt payments.
Third-party debt collectors are agencies whose job is to assist creditors in recovering debts. Creditors hand over delinquent debt accounts to third-party debt collectors who in turn pursue the debtors and try to get them to pay. Debt collectors sometimes do the most in a bid to recover debts and this may lead to them harassing and pestering the debtor.
To put a limit on the extreme activities of debt collectors, the FDCPA laid down rules which every collection agency, including Sunrise Credit Services, must adhere to, in their debt collection practices. According to the FDCPA, any debt collection practice that is deceitful, unfair, and harassing is against the law and has penalties. Thus, if you are being pestered, harassed, or threatened by Sunrise Credit Services, your consumer rights under the FDCPA are being violated.
This means that Sunrise Credit Services’ phone harassment is a violation of your rights. Reporting this violation can get you up to $1,000 in statutory damages.
What should I ask a debt collector in a debt validation letter?
When you get a call from sunrise credit services, it is always wise to do more listening than speaking. Speaking too much may make you divulge information that shouldn’t be divulged. If you have been contacted by sunrise collection, then you need information, and one way to get those is by asking questions. The Fair Debt Collection Practices Act allows you to ask debt collectors questions and mandates them to answer you. It is necessary that you ask questions to avoid costly assumptions and to be sure of who you’re communicating with. Also, asking questions may scare debt collection scammers away.
Questions you should ask a debt collector include:
Their name: The FDCPA allows you to ask a debt collector for their name. If they fail to answer, you should politely communicate to them that you are aware of your rights and will only speak to them if they respect that.
Their address and agency name.
Details pertaining to the debt: You should further ask the debt collector questions about the debt. Seek to know the amount owed and the original creditor. If the debt is legit, the debt collector should not be afraid of answering these questions.
Debt Validation Request: This means that you should ask the debt collector to send you a debt validation letter, which is proof in writing that validates the assumption that you actually owe the debt they claim you owe. Remember, you have a limited 30-day period to request validation of the debt after being contacted, and it is crucial to send the letter via certified mail to ensure proper documentation and communication.
What is debt collection harassment under fair debt collection practices?
You may have unknowingly been experiencing Sunrise Credit Services Debt collection harassment. The FDCPA prohibits debt collectors from doing certain things to you.
The debt collection industry has been under scrutiny for such practices, and the FDCPA aims to regulate these activities. Although Sunrise Credit Services phone harassment is one major form of debt collection harassment, it is not all there is. Other activities like giving third parties details of your debts, calling you at work after you have asked them not to, and calling you at odd hours of the day (before 8 am or after 9 pm) are strongly frowned upon by the FDCPA.
If you have been putting up with Sunrise Credit Services phone harassment or other forms of Sunrise Credit Services debt collection harassment, we can help you get them to stop. Call us today.
Who is Sunrise Credit Services?
Sunrise Credit Services is a third-party debt collector located in Farmingdale, New York. They have been a party in federal court over 270 times for cases involving consumers.
Contact Information
Address: 260 Airport Plaza Blvd.
Farmingdale, NY 11735-3946
Phone: (800) 208-8565
For more information or assistance, you can contact Sunrise Credit Services directly using the provided contact details.
Is Sunrise Credit Services a Scam?
Sunrise Credit Services has been in business for 43 years. Sunrise Credit Services is part of a larger corporate structure that includes Sunrise Capital Management, which helps establish its credibility. There have been 129 complaints filed against SCS with the BBB. Read more about it here: Sunrise Credit Services Better Business Bureau
Do I owe a Zombie debt?
Debts are nothing new to many people who pay bills. When you owe a debt, it is wise to pay it up immediately because of the impact it has on your credit report. However, there are times when we completely and sincerely forget about a particular debt for years. The debt remains there unknown to us for many years until one day, it comes knocking like a zombie.
In your state, there is a limit to how long a creditor or debt collector can use the courts in their efforts to collect a debt from you. This is called a statute of limitations. As soon as this time passes, the debt collector can no longer hold you legally over the debt and the debt is called a Zombie debt if the debt collector tries to initiate collection actions on it. If you find a zombie debt on your credit report, you should take steps to remove Sunrise Credit Services from your credit report to prevent further negative impact on your credit score.
A zombie debt may also be a debt that has been resolved, settled, or discharged in bankruptcy. It is called a zombie debt because the debt is already dead, but some debt collectors still attempt to “revive” it by initiating collection actions on the amount.
So, you may still be getting calls from a debt collector, asking you to pay up a debt that has been settled or discharged, or one that has exceeded the statute of limitations. Some debt collectors may even go as far as asking you to pay a little amount to get them to stop calling you. If you get such a call, don’t do it!
Paying any money on a debt that has exceeded the statute of limitations automatically revives the amount and makes it legally enforceable again. So, the collector can legally come after you for the whole debt from that point on. So be careful if a debt collector calls and tries to trick you into making payments on an expired debt, don’t fall for it.
Another tactic a collector may use is sending you a mail saying that they will settle your debts for pennies on the dollar if you would just send as little as $10. This is almost the same as the first tactic. The only difference is that this time, the request comes through the mail. If you fall for this, you will be reviving the whole debt amount, just the same as in the first tactic.
The third tactic is the collector sending you a credit card and saying that they’re giving you a new credit card to help you get a better credit rating in the future. They will ask you to pay for this credit card when really the payment you will be making will simply revive your old debts. This tactic has been curbed by the government, but it is important for you to be aware of it.
Debt collectors will try all the tricks in the book to get you to pay a debt even if it has exceeded the statute of limitations. Some of these tactics are legal while some are not.
It is important for you to be aware of this to be able to overcome zombie debt. If you get a call from a debt collector about a debt that you believe should have exceeded the statute of limitations, it is better to keep it that way by not falling for a sunrise credit services scam used by the collector to get you to pay up.
Sunrise Credit Services Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
786-708-9235, 256-384-1473, 256-384-1493, 256-384-1483, 619-632-4364, 951-335-4342, 951-846-7401, 951-846-7424, (786) 708-9235, (256) 384-1473, (256) 384-1493, (256) 384-1483, (619) 632-4364, (951) 335-4342, (951) 846-7401, (951) 846-7424, 7867089235, 2563841473, 2563841493, 2563841483, 6196324364, 9513354342, 9518467401, 9518467424, 917-398-5637, 917-398-5636, 888-267-3590, 716-770-0271, 760-979-5862, 706-887-6058, 877-867-3249, 866-891-3260, 631-501-8500, 508-521-9942, 214-233-8094, 201-839-0091, 303-552-0442, 888-866-9170, 866-302-4224, 818-665-7438, 866-640-9253, 646-205-7740, 631-272-9800, 866-275-6020, 800-645-9824, 610-590-1847, 727-213-0100, 866-274-2246, 919-899-9133, 541-508-4000, 617-272-1567, 800-684-3595, 941-404-4072, 256-513-4653, 559-588-0324, 800-684-5540, 866-257-3632, 512-551-0499, 631-270-3516, 866-640-9251, 631-501-1515, 619-268-6256, 888-866-9174, 619-377-4427,866-640-9243, 602-639-4947, 570-433-5003, 866-257-3628, 877-867-3305, 203-433-5311, 404-920-8852,
If the answer is yes, then you are receiving calls from a known SCS number. You may be a victim of SCS phone harassment. Call us now on for immediate assistance. Sunrise Credit Services collects various types of debts, including unpaid medical bills and insurance claims.
The following is a sample list of complaints filed against Sunrise Credit Services in the past year and can be found on Pacer.org.
3:18-cv-17363-BRM-TJB VEDERNIKOV v. SUNRISE CREDIT SERVICES INC et al
1:18-cv-01677-WCG Switz v. Sunrise Credit Services Inc et al
2:18-cv-02186-DGC Blakley v. Sunrise Credit Services Incorporated
2:18-cv-12507-DML-SDD Hallaman v. Sunrise Credit Services, Inc.
6:18-cv-06796-MAT Collazo v. Sunrise Credit Services, Inc. et al
Understanding Your Rights Under the Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers from unfair, abusive, and deceptive debt collection practices. When dealing with debt collectors like Sunrise Credit Services, it’s crucial to understand your rights under the FDCPA. Here are some key rights you should be aware of:
The Right to Be Treated with Respect and Dignity: Debt collectors are prohibited from using abusive or harassing language, making false statements, or threatening actions they do not intend to take. This means that any form of intimidation or verbal abuse from Sunrise Credit Services is against the law.
The Right to Dispute the Debt: If you believe there is an error or you do not owe the debt, you have the right to dispute it. You can request validation of the debt from the debt collector, and they must provide proof that you owe the amount in question.
The Right to Request Communication in Writing: You can ask the debt collector to communicate with you in writing rather than by phone or email. This can help you keep a clear record of all interactions and avoid the stress of constant phone calls.
The Right to Stop Collection Calls: If you want to stop the collection calls, you can send a certified letter to the debt collector requesting that they cease all communication. This is known as a cease and desist letter, and it legally obligates the collector to stop contacting you.
Understanding these rights can empower you to handle interactions with Sunrise Credit Services more effectively and protect yourself from unfair practices.
How to Stop Harassing Collection Calls
Receiving harassing collection calls from Sunrise Credit Services can be incredibly stressful. Fortunately, there are steps you can take to put an end to these calls:
Send a Certified Letter: One of the most effective ways to stop the calls is to send a certified letter to the debt collector, requesting that they cease all communication. Make sure to keep a copy of the letter and the receipt for your records.
Use a Cease and Desist Letter: A cease and desist letter is a formal request for the debt collector to stop all communication with you. You can find templates online or consult with a credit repair company to draft one. Sending this letter via certified mail ensures you have proof of your request.
Block Their Number: If the calls persist, you can block the debt collector’s number on your phone. This can provide immediate relief from the constant interruptions.
Report Them to the FTC: If Sunrise Credit Services is violating the FDCPA, you can report them to the Federal Trade Commission (FTC). The FTC can take action against companies that engage in illegal debt collection practices.
Taking these steps can help you regain control and reduce the stress caused by harassing collection calls.
Impact on Credit Report and Fair Credit Reporting Act
Sunrise Credit Services can significantly impact your credit report, which in turn affects your credit score and your ability to obtain credit in the future. Here’s what you need to know:
Credit Reporting: Sunrise Credit Services can report your debt to the three major credit bureaus—Equifax, Experian, and TransUnion. This can negatively affect your credit score, making it harder for you to get loans, credit cards, or even rent an apartment.
Fair Credit Reporting Act: The Fair Credit Reporting Act (FCRA) regulates how credit information is collected, used, and shared. Under the FCRA, you have the right to dispute errors on your credit report. If you find inaccuracies, you can request that the credit bureaus investigate and correct them.
Understanding the impact of debt collection on your credit report and knowing your rights under the FCRA can help you take proactive steps to protect your credit score.
Negotiating with Debt Collectors
Negotiating with debt collectors like Sunrise Credit Services can be challenging, but it’s possible to reach a settlement or payment plan that works for you. Here are some tips to help you navigate the process:
Know Your Rights: Before you start negotiating, make sure you understand your rights under the FDCPA and FCRA. Being informed will give you confidence and help you avoid agreeing to unfavorable terms.
Be Respectful: Treat the debt collector with respect and professionalism, even if you’re disputing the debt. A respectful tone can facilitate a more productive conversation.
Be Prepared: Gather all relevant documents and information, including proof of income, expenses, and any previous payments. Having this information at hand will help you make a strong case for your proposed settlement or payment plan.
Make a Proposal: Offer a settlement or payment plan that you can afford. Be willing to negotiate, but don’t agree to terms that you cannot realistically meet. It’s better to propose a lower amount that you can consistently pay than to overcommit and risk defaulting again.
By following these tips, you can increase your chances of reaching a favorable agreement with Sunrise Credit Services.
Protecting Your Rights
Protecting your rights when dealing with debt collectors like Sunrise Credit Services is crucial. Here are some tips to help you safeguard your interests:
Keep Records: Maintain a detailed record of all communication with the debt collector, including dates, times, and details of conversations. This documentation can be invaluable if you need to dispute the debt or report harassment.
Seek Professional Help: Consider hiring a credit repair company or seeking the advice of a consumer law attorney. Professionals can provide guidance and support, helping you navigate complex situations and protect your rights.
Know Your State Laws: Familiarize yourself with state-specific laws that may provide additional protections for consumers. Some states have stricter regulations than the federal FDCPA, offering you more avenues for recourse.
Report Violations: If you believe the debt collector is violating the FDCPA or FCRA, report them to the FTC or your state’s Attorney General’s office. These authorities can take action against companies that engage in illegal practices.
By taking these steps, you can protect yourself from unfair debt collection practices and ensure that your rights are upheld.
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Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Sunrise Credit Services. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
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