Why Is CCS Offices Calling Me? How to Settle Debt

George Simons | January 28, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: CCS Offices may call about unpaid debts for industries like banking, healthcare, or telecom. To settle, validate the debt, negotiate a payment plan, and get everything in writing. Solo can help with all this and more.

When you fall behind in debt, the one thing you hope for is that the debt collector treats you with dignity and respect whenever they contact you. You wish to keep your peace of mind so you can work out a strategy to help you get back on track.

If Credit Collection Services (CCS) has reached out to you, there are several steps you can take to stand up for your rights and settle the debt legally.

Settle debt with CCS Offices

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

Settle with SoloSettle

What is CCS Offices?

Credit Collection Services is a legitimate debt collection company that has been in business for over 58 years. CCS Offices is one of multiple companies that operate under the umbrella “CCS Companies,” which is based in Massachusetts.

You can contact the company at the CCS Offices phone number:

Credit Collection Services (CCS) is one of the largest and most respected collection agencies in the United States. The company leverages advanced system technology, skilled customer service agents, and robust compliance programs to efficiently manage large volumes of accounts.

As a trusted partner in debt recovery, CCS employs strategies such as skip tracing, payment plan administration, and multilingual support to ensure comprehensive and effective collection efforts.

Is CCS Offices Legit?

Yes, CCS Offices is legit. It’s a debt collection agency that will call you with the intention of collecting an alleged unpaid bill. Even though the company isn't BBB accredited, they have an excellent-looking B rating on their profile.

Who does CCS Offices collect for?

CCS Offices pursues all types of consumer-related debts. Specifically, CCS Offices collects for companies in the following industries:

  • Banking
  • Cable
  • Credit card
  • Government
  • Healthcare
  • Insurance
  • Medical
  • Personal loans
  • Retail
  • Telecom
  • Tolls
  • Utility bills

CCS Offices also collects debts on behalf of original creditors.

Why is CCS Offices calling me?

Legally, debt collectors can contact you via phone calls, mail, emails, texts, and even social media.a

No matter what method the debt collector uses to contact you, they must adhere to the regulations that protect consumers. For example, if CCS reaches you via social media, they have to:

  • Identify themselves as debt collectors.
  • Message you privately.
  • Provide you with a way to opt-out of receiving messages from them.

It's in your interest to keep track of every communication with debt collectors. For this reason, let CCS Offices know that you prefer written communication. Avoid giving your information to alleged debt collectors on the phone, as this may result in fraudsters stealing your identity.

If you would like to reach out to discuss your options, the CCS Offices phone number is (617) 965-2000.

How to negotiate with CCS Offices to settle debt

You can negotiate for debt settlement at any stage of the collection process—even after being sued and filing an Answer to the lawsuit. A debt settlement offer effectively asks CCS Offices to consider taking a lower amount than what is owed for the original debt. Many debt collectors are willing to settle for less, especially if you offer a reasonable lump sum payment.

Here are some steps you can take to negotiate a debt settlement:

  1. Calculate what you can actually pay towards the balance of the debt. For example, could you reasonably pay half of the amount owed and still have money left over to cover your living expenses? Doing this calculus is important because it can give you a guidepost for settlement negotiations.
  2. Make a reasonable settlement via a debt settlement letter requesting that the firm consider your offer. The settlement offer should be lower than the number you calculated in Step 1. This will leave room for you to negotiate upward if they reject your first offer. Make sure to engage in written settlement communications with CCS Offices and continue to use written communication throughout the process.
  3. If you are able to reach an agreement on a settlement amount after negotiations, draft a Debt Settlement Agreement for both parties to sign.
  4. Be sure to pay the agreed amount in time.

Learn more about how to settle your debt with CCS Offices by watching this informative video:

Read CCS Offices reviews online before you negotiate

If you are curious to know what people have said about their interactions with CCS Offices on different debt collection matters, then take a moment to read these reviews:

Despite the online reviews of CCS Offices being pretty mixed, this should not deter you from taking steps to engage with them in an effort to resolve the debt collection matter. Many debt collectors, including CCS Offices, are open to working with individuals to resolve their concerns and get their debt paid in a manner that works for them, based on their current financial situation. Proactive communication is the key.

If calling a debt collector to negotiate doesn’t sound like your idea of fun, try using SoloSettle to negotiate online and resolve your debt through the digital settlement platform.

Settle with SoloSettle

Make an Offer

How to get CCS Offices off your credit report

Whether the CCS account is on your report rightfully or due to an error, its presence ruins your credit score. There are ways to get CCS Offices off your credit.

The most straightforward CCS account to remove from your credit report is if it's an error. You need to contact the concerned credit bureaus, either by phone or mail, and ask them to delete the account. The bureau has up to thirty days to resolve the matter. Contact each bureau separately if you notice the error in more than one Credit Reporting Agencies (CRAs) report.

It's best to pay off a legitimate CCS account, especially if it's new. Although paying the account may affect your credit score, it's better to have it as a paid account than an account in collections. It will eventually fall off your report.

You can also remove old, past-due credit accounts from your report if they are past the statutes of limitations. Instead of paying off such an account and resetting the clock until it can fall off, dispute it with the furnishing company to have it removed.

Make it a habit to request your credit report often and scan thoroughly for mistakes. You're entitled to a free annual report from each leading credit reporting bureau.

Report misconduct by CCS Offices to the CFPB

Both the federal and individual state laws protect you against misconduct by debt collectors. A while ago, debt collectors played by their own rules, leaving consumers helpless and confused. However, the Consumer Finance Protection Bureau (CFPB) demands that debt collectors stick to a particular code of ethics.

The FTC enacts the Fair Debt Collection Practices Act (FDCPA), which requires debt collectors to:

  • Identify themselves as debt collectors
  • Follow up the first contact with a written debt validation notice within five days
  • Contact you only between 8:00 am and 9:00 pm your time
  • Provide company address, phone number, license number

CCS Offices may not:

  • Threaten you with wage garnishment or arrest if they are not authorized to do so
  • Use misleading information to collect a debt
  • Embarrass you by making your credit account public
  • Lie to you
  • Ask you to pay more money than you owe
  • Spam call you

If CCS violates your rights, report them to CFPB online or call 855-411-2372.

The Better Business Bureau (BBB) is also an excellent place to air your views and reviews. The company gets an opportunity to respond to your complaints.

Take charge of your credit

Buying on credit is the American way. And the health of your credit affects your daily life. Renting an apartment, financing a car, getting a personal loan; all depend on how good your credit score is. That's why many companies have come up to help consumers deal with the inevitable credit issues such as errors in your report, accounts in collections, etc.

The good news is that you don't need credit repair companies or lawyers to keep your credit in good health. You can handle everything all by yourself. To do so, develop these habits:

  • Check your credit report regularly.
  • Dispute any incorrect information on your report.
  • Always send a debt validation letter for every debt.
  • Pay validated accounts as soon as possible.
  • In case of a lawsuit, Answer immediately.

CCS Offices are notorious for rubbing consumers the wrong way. The situation is not hopeless, though. You can beat them if you have the necessary information.

Respond to a debt lawsuit against CCS Offices

If CCS Offices is taking you to court over a debt you owe, don't give up. The first step to winning your case is to respond. Most consumers ignore debt lawsuits like this, usually because they simply don't know how to respond. SoloSuit can help you respond to a debt lawsuit in minutes.

When responding to a debt lawsuit, follow these three steps:

  1. Answer each allegation listed in the Complaint document.
  2. Include a section where you assert your affirmative defenses.
  3. File the Answer with the court, and send a copy to CCS Offices.

Following these three steps has proven to help consumers like you beat debt collectors like CCS Offices. Let's take a look at an example.

Example: In California, Hannah was sued by CCS Offices for a medical debt she didn't know about. The debt was from a doctor's visit from more than seven years prior. Hannah used SoloSuit's Answer form to draft her response and file it with the court. As one of her affirmative defenses, Hannah declared that the statute of limitations on medical debt in California was only 4 years and had passed for this debt. When CCS Offices couldn't prove that the debt was still within the statute of limitations, they dismissed the case.


To learn more about these three steps, check out this video:

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Debt collector guides

Are you being contacted by a debt collector? We’re making guides on how to resolve debt with each one.

Arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Bankruptcy

Bankruptcy is a great way to legally resolve debt, but it's usually best to consider it as a last resort. Here are some bankruptcy guides to help you decide which debt resolution option is best for you.

Check your case status

Don’t have time to go to your local courthouse to check the status of your case? We’ve created state guides on how to check the status of your case throughout the US, complete with online search tools and court directories.

Credit

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt, along with other credit-related resources.

Debt collection FAQs

Find answers to some of our the most commonly-asked questions about debt collection below.

Debt collection documents and templates

If you're dealing with debt, these documents and templates will help you respond, protect your rights, negotiate, and resolve your debts.

Debt relief

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt settlement

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created state guides on debt settlement. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

Eviction

Facing an eviction? The following guides will help you navigate your situation with confidence.

Federal debt collection laws

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Legal aid

Helping people find access to justice is at the heart of Solo's misison. If you're dealing with a legal debt issue, the following guides will help you through it.

Medical debt

Having a health challenge is stressful, but dealing with medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Personal finance

Learn how to manage your finances and overcome crushing debt. Check out our personal finance guides below.

State debt collection laws

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state’s statutes and more.

Stop collection calls

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

Other debt resources


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