Suburban Credit Corporation or SCC 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 Suburban Credit Corporation?
Suburban Credit Corporation (SCC) is a third-party collection agency based in Virginia. SCC has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as misrepresentation and attempting to collect debts not owed. If you have been contacted by SCC, understand your rights before taking action.
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Is Suburban Credit Corporation a scam?
They’re legit. According to the Better Business Bureau (BBB) Suburban Credit Corporation was founded and incorporated in 1960 in Alexandria, VA. The BBB opened SCC’s profile page in 2001. SCC is registered as a corporation and listed with the BBB as a collection agency and credit and credit card processing service provider. Buzzfile estimates SCC’s annual revenue at $4.2 million and the size of its staff at 51 people.
Who does Suburban Credit Corporation collect for?
According to its website, Suburban Credit Corporation is a “national debt recovery collection agency who are experts in the collection of medical claims, utilities, commercial debt and dishonored claims.” SCC cites a mission of delivering a high level of service backed by a philosophy of exceeding expectations with “integrity, enthusiasm, and professionalism.” They achieve this mission through management beliefs, work standards, technology, and a dedicated and well-trained staff.
SCC’s Services page provides an extensive list of tools and techniques they employ including predictive dialing; interactive voice response; bankruptcy, deceased, cell, and mail return scrub; caller id; computerized skip tracing using a national database; call center options including early-out billing services; autoscribe check and credit card payment service; ftp file uploads; and contingency-based pricing.
SCC indicates its collection staff is professionally trained, including “follow-up FDCPA training; web training, internal testing, [and] state laws and client testing.” However, their site is entirely client-facing and does not contain any references or links to consumer protection laws, state or federal agencies, or other outside resources. Their Make a Payment page is not currently operating.
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 Suburban Credit Corporation?
The BBB has closed 29 complaints against Suburban Credit Corporation in the past three years, with 4 closed in the past twelve months. Almost all of these complaints alleged problems with billing and collections. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has closed 23 complaints against SCC. Justia lists at least 2 cases of civil litigation listing SCC as a defendant.
Can Suburban Credit Corporation 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 SCC 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!
Can you help me file a No Fee Lawsuit against Suburban Credit Corporation SCC?
Many of the complaints against Suburban Credit Corporation allege problems reporting accurate information to the credit reporting agencies. Although SCC does not focus exclusively on medical collection, many of these complaints also stem from medical billing. In December 2016, a complainant indicated that he had paid for hospital treatment and ambulance fees for an earlier emergency room visit. At the time of the complaint, he alleges that he had begun receiving letters for a $100.00 outstanding bill to a doctor’s billing company. He indicates further that previous communication from SCC came to the correct address, but that now they could not locate his current address. In addition, the “old address” was “totally inaccurate…[and] pieced together from some…prior addresses.” The complainant alleged that they had reported a negative item with Equifax “long before [he had] been contacted or had any chance to verify their claims and settle the matter.” Also in December 2016, a complainant indicated that SCC had reported an “inaccurate and invalid collection account” on his credit report, and requested verification of the debt. In April 2016, a complainant reported that SCC had continually tried to report a debt that had resulted from identity theft. Although the complainant indicated that he had sent copies of the police report and notarized id theft affidavit, he alleged that SCC had ignored his efforts to clarify the nature of the debt. Finally, in March 2016, another complainant alleged that SCC had reported delinquent items to the credit reporting agencies despite a police report and id theft affidavit having been submitted in defense.
Suburban Credit Corporation Calling You?
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).
Can I sue Suburban Credit Corporation for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal 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.
“We realize that ours is just one small case among many – and many more serious – but are heartened by the fact that you accepted it and represented us with a professionalism that belied the small dollar amount.”
“If you are unsure about this company…DONT BE!!! They are for real when they say they are here to help you. It only takes a few short minutes of your time to talk to a rep. I was a skeptic, but you did everything you said you would! I can’t say thank you enough!”
”Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”
Can You Help Me Delete Suburban Credit Corporation SCC from My Credit Report?
Chances are good that we can help. Call us today and we’ll explain.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.