Credit Service Company CSC Collections Complaints?

We help consumers who have complaints about collection harassment.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

Credit Service Company CSC
Credit Service Company Inc or CSC is a debt collection agency which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

What is Credit Service Company – CSC?

Credit Service Company , Inc. (CSC) is a third-party collection agency based in Colorado. CSC has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as misrepresentation and threatening to take actions that cannot legally be taken. If you have been contacted by CSC, understand your rights before responding.

Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is Credit Service Company a scam?

They’re legit. According to the Better Business Bureau (BBB), Credit Service Company, Inc. is a legitimate collection agency, founded and incorporated in 1947. The BBB established its profile page in 1997. CSC is listed as a collection agency.

According to its website, CSC’s “goal is to maintain and to continue to develop the ethics-centered philosophy on which Credit Service Company was founded.” CSC cites as its strengths “personalized customer service…comprehensive training programs for staff and clients… [and the] ability to offer aggressive collection methods while maintaining the professionalism…clients expect.”

As a full-service collection agency, CSC offers third-party collections for a variety of industries, including medical, financial, and utilities. Their collection process begins with account scrubbing “to determine contact eligibility,” then, within “24 hours of the account’s listing, our initial written communication is mailed. Accounts are then designated to go into the next calling campaign. In addition, accounts may be assigned to other daily work queues which may trigger additional letters, telephone calls, specific follow up or consideration for legal process. Typically, account activity is performed every 30 days.” In addition, CSC provides accounts receivable consulting, pre-collection services, accounts receivable recovery, and classes and seminars.

As for compliance, Credit Service Company’s staff undergoes “rigorous training and instruction in telephone collection technique, payment negotiation, and account resolution. In addition, …collectors are also trained in the Fair Debt Collection Practices Act (FDCPA), and various other state and federal statutes with which we comply.” However, their site does not provide any links or references to consumer protection resources, laws, or enforcement agencies.

Who are we? We are Lemberg Law, a Consumer Law Firm

Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today!  There is no charge unless we win.

How many complaints are there against Credit Service Company – CSC?

The BBB has closed 15 complaints against Credit Service Company in the past three years, with 5 closed in the past 12 months. All of those complaints allege problems with billing and collections. Since June 2015, the Consumer Financial Protection Bureau (CFPB) has received 20 complaints about CSC. Justia lists at least 5 cases of civil litigation involving CSC.

Contact Inc Information

Credit Service Company, Inc.
390 Printers Parkway
Colorado Springs, CO 80910
Telephone: (800) 467-3766

Can Credit Service Company Sue Me or Garnish My Wages?

It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely CSC would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!

Get Free BBB A+ Attorney. Call 475-277-1600 NOW

Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can you help me file a No Fee Lawsuit against Credit Service Company – CSC?

Absolutely. Here are some Sample Cases

In February 2016, in United States District Court for the District of Colorado, a judge issued an Order in a case held to determine title ownership of real estate. In this case, the plaintiff filed his lawsuit in state court to “quiet title to certain real property (the ‘Subject Properties’) … located in Colorado Springs, Colorado.” The real estate in question included 6 lots in “Block 406 Resubdivision” and 2 additional lots in nearby subdivisions of Colorado Springs, CO. The case was removed from the District Court for El Paso County to United States District Court. The Colorado Rule of Civil Procedure required the plaintiff to name all parties “who had recorded an interest in one or more of the Subject Properties with the El Paso County Clerk and Recorder.” In addition to the State of Colorado, the Colorado Department of Labor and Employment, Access Flower Trading, Inc., and Colorado Springs Wholesale Florist, the plaintiff named Credit Service Company, Inc. as a defendant.

Service of process upon CSC was completed on November 24, 2014, and on July 14, 2015, a clerk of the court entered a default judgement against CSC and three other defendants. These four defendants subsequently failed to file an answer to the plaintiff’s complaint or to appear “in any other manner before the Court,” resulting in an initial default judgement. Furthermore, Credit Service Company, along with the other three defendants who had failed to appear, also failed to state any other claim to the Subject Properties, resulting in a further finding of a default judgment in favor of the plaintiff and “extinguishing any interest Credit Service Company may have in the Subject Properties.”

Credit Service Company Calling You CSC?

Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).

But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.

Consumers have reported this agency harassing them from the following numbers:

  • 719-634-1357

Want to Stop Credit Service Company CSC Debt Collection Harassment Now?

Your debt harassment checklist:

  • You are receiving multiple calls per week from third party collection agencies
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your friends, neighbors, or coworkers
  • Collectors are threatening you with violence, a lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

Read more about your rights

What Our Clients are Saying

“The group at Lemberg Law was professional, courteous, and effective. Their grasp of consumer protection laws and guidelines are second to none, and they work extremely difficult to ensure this procedure is client-friendly.”

“After a few months of frustration with a debt collector, I eventually called Lemberg Law. It was among the best financial decisions I have ever made. Jody and her staff were comprehensive, useful, and above all else powerful. I highly recommend their services and thank them for their continual efforts.”

“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”

Can You Help Me Delete Credit Service Company CSC from My Credit Report?

The answer is probably yes. Call to find out now. We’ll explain

Share your story

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

Sergei Lemberg

About the Author:

Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."

See more posts from Sergei Lemberg
  • Alison R

    CSC has continued to sue me for bills through UCHealth. I work in healthcare and have requested that these bills be confirmed. I have paid and they have garnished. They do not sue for the entirety, but rather wait and sue per encounter. I feel like they wait to sue so that they can get pain each encounter and make more money for themselves at my expense. In fact, I paid recently and they still garnished over $700 what I owed. I had to call to explain the error. I have yet to see that returned. They also tried to sue a bill for my son in his name. He is under 18 and I had to call to find out what that was about. I feel like they sue me because they know I can pay. I have yet to receive an actual itemization of what I am paying. They wait until they sue me to provide that. I feel like it is becoming more predatory. I refuse to go back to UCHealth because of CSC. My family and friends have also decided to not return to UCHealth unless it is the only option.

  • Gen S

    CSC has recently been contacting us about a medical bill that we have already paid. Prior to being contacted by CSC I was contacted by UCHealth about this bill. I faxed the proof of payment twice to them, but they still turned us over to collections. As soon as I received the letter from CSC I mailed (return receipt with confirmation) a copy of my payment as well as all the correspondences I had with UCHealth. The template for the letter included a request for them not to report to the credit agencies until this has been determined to be a valid debt. Today I received a letter from them stating that they are reporting us.

  • Julia W

    CSC has been calling me for 2 years straight and the past 2 years they are putting a 1-3 twice a day on my credit report to make my score decrease. I had one phone conversation with CSC and they were rude with foul language.

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