Did you just receive another unwelcomed call today from Collection Agencies? It’s stressful to be called almost every day, right? You may also notice in your credit report that CCS is listed as a collections account. With that said, you should remove it from your account since it would definitely hurt your credit score rating and could stay in your credit report for 7 years.

Credit Collection Service is a service provided by a collection agency for the creditors. The nature and goal of the service are to successfully collect bad debts from borrowers which money owed is long overdue. You know in yourself that you will pay, but you just need more time, right? So if you don’t want to be bothered by CCS, here are the ways to deal with them.

1. Ask Help from Professionals

The best way to deal with CCS is to hire a professional credit repair company and be done with it. A credit repair company will help you remove collections from your credit report. They also provide services like negotiating your debts with the collection agencies and answer calls for you so you won’t be receiving unwanted calls again. Here are more services they provide:

  • Remove inaccurate transactions
  • Settle late payments
  • Helps you file for bankruptcy
  • Saves you from repossessions
  • Saves you from foreclosures of properties

Also, did you know that there’s a possibility that CCS can sue you? With that said, if you hire a credit repair company, you don’t have to worry because they would help you file a dispute about the debt (which is a possible fraud) and help you remove it from your account. If you want to  Learn More about dealing with CCS visit Crediful.

2. Determine your Rights

It would be best to determine your rights in these kinds of situations because it is not just the money and credit rating that are put in line, but your reputation as well, which someone can never take from you. In knowing your rights, ensure that they will be set to proper purpose. Your rights actually include that they can only call you between 8 am to 9 pm.

Another right you should know is that collection agencies can’t harass you or pose a threat that you will be arrested if you don’t pay them. Remember, owing money is never a crime, so don’t believe their threats. To learn more about your rights as a consumer, you may also want to check the Consumer Credit Protection Act (CCPA).

3. Talk to Them

CCS will have huge incentives or commissions for every bad debt collected. With that said, this can also be the reason why they are so aggressive in collecting debts and calling you regularly. One of the best ways to deal with this is to talk to them in person, not over the phone. Why? To avoid a debt collection scam, and no good result will it bear if on the phone.

When you talk to them, you can ask how much you owe; be honest when you pay your debt or set a payment plan. If you take the time to talk to them about your debt, they won’t bother calling you every day. But it would be best if you honored what you promised them in how you will pay, or else they will call you again, and they’ll be more aggressive than ever.

4. Tell Them to Stop Calling You

Telling them to stop calling you is another option in dealing with CCS, but do it politely. Once you’ve asked them to stop calling you, they are obliged to follow because this is your right. If they still keep on calling you even if you’ve already asked them to stop, then they will be subject to harassment, and you can report them to the Federal Trade Commission.

Furthermore, it would be best to let them send you a copy of the details of the debt they’re pursuing. They will send it to you because they are required by the law to submit the documents as evidence that you owe them. It’s also a good idea to ask them to put you in a “Do not call lists” or register yourself in the FTC.

5. Try to Negotiate

Last but not least in our ways of dealing with CCS is to try to negotiate with them. Your goal is to have these collections accounts removed from your credit report. With that said,  it’s a good idea to negotiate by paying at least half of your debt, provide a payment plan for the remainder, and in return, they should remove the negative entry in your credit report.


Dealing with CCS can be stressful for some, especially for those people who don’t have a lot of time left for themselves. The above mentioned are the simple ways you can do to deal with CCS. It would be best to invest time to read and understand this article so that collection agencies won’t bother you again.