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Updated by Attorney Derek DePetrillo on 04/10/24

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 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?

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 proof in writing that validates the assumption that you actually owe the debt they claim you owe.

What is debt collection harassment?

You may have unknowingly been experiencing Sunrise Credit Services Debt collection harassment. The FDCPA prohibits debt collectors from doing certain things to you.

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

Is Sunrise Credit Services a Scam?

According to the Better Business Bureau website, Sunrise Credit Services has been in business for 43 years. 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.

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 877-700-5790 for immediate assistance.

The following is a sample list of complaints filed against Sunrise Credit Services in the past year and can be found on


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

About Us

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.

Call us at (877)700-5790 for immediate assistance.

Check out the links below for more information:

New York Attorney General

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