This can be done by demanding what’s known as a debt validation letter.Ī debt validation letter should provide all the information concerning the debt, including the: One of your rights under federal law is to have the collection agency verify the debt they claim you owe them. That will provide proof that your letters have reached the intended destination. Just as important, written communication will give you a paper trail that you may be able to use to defend yourself in a lawsuit.Īll communication from you should be sent by certified mail, return receipt requested.
You can also be very concise in your communications with them, providing only a minimum amount of information and always requesting more proof from them. Written communication will eliminate the possibility of a collection agent squeezing information out of you that can be used against you. To avoid phone calls, insist that all communications from Sunrise Credit Services be handled in writing. But provide no information, even when asked, and make no promises of payment. If Sunrise Credit Services contacts you by phone, be polite and ask plenty of questions. Unfortunately, if you make a promise to pay and renege, the collection agency can use that recorded information against you in a lawsuit. They’ll use those recordings to get more information out of you that will further tie you to the debt or to encourage you to make promises of sending payment. Unless you’re a skilled negotiator, you’ll be stepping into a hornets’ nest with every phone call.Īnd, just as important, collection agencies are notorious for recording phone calls. Having a phone conversation with a collection agent is an exchange you’re bound to come out on the short end of.įirst, you’re dealing with a collections specialist, who has not only a thorough understanding of the collection process, but also possesses documents tying you to the debt. You can choose to either work out a solution with the company yourself or engage the service of credit repair professionals to get the job done for you.Īsk Lex Law for Help Avoid Telephone Communication
That holds the potential to either settle the account for less than the full amount owed, or even to make it disappear completely.īelow are several strategies you can use to help you achieve either outcome. If there is an easy way, it’s to simply pay the debt, and then move on.īut, if you don’t believe you owe the debt, or you don’t have the money to pay it, you’ll need to challenge it.
How to Deal with Sunrise Credit ServicesĪs much as we’d like to tell you there’s an easy way to deal with Sunrise Credit Services-or any other collection agency for that matter-there isn’t. That means Sunrise Credit Services is a legitimate collection company. What’s more, the company has been BBB accredited since 2012. Sunrise Credit Services has a Better Business Bureau rating of “A+”, the highest rating on a scale running from A+ to F. That may be to your advantage, since they don’t necessarily represent organizations that are harder to deal with, like apartment complexes, government agencies, or student loan lenders. It’s best then to assume they represent a wide variety of entities, with no particular specializations. The company does not disclose the types of businesses and organizations they run collection activities for. This communication is from a debt collector. Any information obtained will be used for that purpose. The company bills itself as one of the leading Accounts Receivable management companies in the United States, but they are a collection agency at the core.Įvery page of their website includes the following language: That makes them one of the better-established collection agencies in the industry. Sunrise Credit Services is based in Farmingdale, New York, and has been in business since 1975. In this article, we’re going to detail specific strategies for dealing with Sunrise Credit Services.
But, in more extreme situations, you could be denied a loan or even an apartment because of an unpaid collection. Whatever you do, don’t ignore a collection call or credit report entry from Sunrise Credit Services or any other collection agency.Īt a minimum, collections showing up on your credit report will remain for up to seven years from the date that they first became delinquent.ĭuring that entire time, they will lower your credit score. You’ll need to deal with them to get the problem resolved. Though Sunrise Credit Services is a legitimate collection agency, and one of the longer established ones at that. This doesn’t necessarily mean that you owe what they claim you do. Have you been contacted by a company called Sunrise Credit Services or found a collection account on your credit report from them?