Debt collectors are notorious for saying anything to get you to pay a debt, so make sure you communicate in writing and not via phone calls. You’ll need to write a debt validation letter and send it via USPS Certified Mail. Unfortunately, you only have 30 days after they first contact you to do this, so don’t procrastinate. The FDCPA allows you to ask a debt collector to verify that the debt belongs to you before you make any payments on it. Although third on this list of steps, it’s really the first thing you should do when you hear from a debt collector. You can do this by looking for inaccurate or incomplete information through a debt validation request. If your debt is outstanding and the company won’t give you a goodwill deletion, you can try to get the entry deleted on a technicality. As the old saying goes, you’ll catch more flies with honey than vinegar. After all, Sunrise Credit Services could do you a favor by granting you a goodwill deletion. Make sure you send your letter via USPS Certified Mail to create a paper trail for your records.īe polite and apologetic in your letter rather than angry and demanding. Anything that can inspire sympathy from the debt collector is worth including in your letter. If you lost your job or source of income for some reason, it’s a good idea to mention this. To request a goodwill deletion, you’ll need to write a letter explaining your late payment. Sunrise Credit Services may agree to do this for you if you’re generally a good customer and have a relatively clean credit history. This is a goodwill deletion, and it’s a common tactic people use when they pay their debt and want to get back into the good graces of creditors.

If you pay off the debt, you should ask Sunrise Credit Services to delete the entry out of benevolence. By educating yourself, you can make dealing with Sunrise Credit Services easier. This is why it’s important to understand what your rights are under the FDCPA. However, they will stop if you call them out on their bad behavior.

Most debt collectors assume that customers aren’t aware of their rights and will treat them poorly in order to coerce payments. Calling after you request that they only contact you through U.S.Contacting your friends, family or employer regarding your debt.Reporting false information to credit bureaus.Misrepresenting themselves when communicating with you.The FDCPA is federal legislation that protects you from harassment, abuse and deception from debt collectors. However, many of these tactics are actually unlawful under the FDCPA. Debt collectors, such as Sunrise Credit Services, use questionable tactics to get you to pay a debt. No one enjoys dealing with debt collectors because they’re often rude and aggressive. So, how do you go about removing a collection account from your credit report? Here are the essential steps to take to ensure that Sunrise Credit Services stops reporting the debt to major collection bureaus: Get Started Steps to remove Sunrise Credit Services from your credit report Lexington Law can help you meet your credit score goals.

This article will describe what constitutes an FDCPA violation and when you need to file a complaint. These complaints relate to inaccurate reporting, harassment and other Fair Debt Collection Practices Act (FDCPA) violations. Sunrise Credit Services currently has about 620 filed complaints with the Consumer Financial Protection Bureau (CFPB) and about 150 with the Better Business Bureau (BBB). Sunrise Credit Services collects a variety of debts, including:Īlthough Sunrise Credit Services is a legitimate debt collector, its customers don’t think highly of it. Its headquarters are in Farmingdale, New York, and it’s a late-stage debt collector, which means it may purchase the right to collect a debt from the original creditor. It's part of a larger umbrella company, Sunrise Family of Companies, which includes NetTel USA and Sunrise Capital Management, Inc. It employs about 600 employees overseen by its CEO, Diane Doane. is a debt collection agency or accounts receivable management firm. Originally founded in 1975, Sunrise Credit Services, Inc. Hawaii Alaska Florida South Carolina Georgia Alabama North Carolina Tennessee RI Rhode Island CT Connecticut MA Massachusetts Maine NH New Hampshire VT Vermont New York NJ New Jersey DE Delaware MD Maryland West Virginia Ohio Michigan Arizona Nevada Utah Colorado New Mexico South Dakota Iowa Indiana Illinois Minnesota Wisconsin Missouri Louisiana Virginia DC Washington DC Idaho California North Dakota Washington Oregon Montana Wyoming Nebraska Kansas Oklahoma Pennsylvania Kentucky Mississippi Arkansas Texas Repair My Credit What is Sunrise Credit Services?

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