How to Settle Debt With Credit Control Corporation

George Simons | January 30, 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: If contacted by Credit Control Corporation, validate the debt, negotiate a settlement for less, or dispute errors. Act quickly to protect your credit score. Use Solo to streamline the settlement process.

A call or email from Credit Control Corporation could mean that you owe a debt to an individual or a company. Credit Control Corporation is a legitimate third-party debt collection agency that collects debt for utility providers, healthcare institutions, and commercial enterprises.

Credit Control Corporation is legit and has been in business for over 38 years and is Better Business Bureau (BBB) accredited. However, most people still have a lot of questions on the best way to deal with Credit Control Corporation debt collectors and settle debt for less. Below, we will answer four of the most crucial questions about Credit Control Corporation and help you get started on your path to debt resolution.

Settle debt with Credit Control Corporation

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

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What is Credit Control Corporation?

Credit Control Corporation is a legit debt collection agency operating out of Newport News, Virginia that has been in business for over 38 years. They are also BBB accredited.

Who does Credit Control Corporation collect for?

Credit Control Corporation typically collects debt for utility providers, healthcare institutions, and commercial enterprises.

Read Credit Control Corporation reviews online

Prior to engaging with Credit Control Corporation on your debt collection matter, it is recommended to take some time to check out real online reviews posted by other consumers:

It’s reasonable to say the online reviews for Credit Control Corporation are not all five stars. Nevertheless, there are consumer reviews showing that you can have a productive experience communicating with debt collectors from Credit Control Corporation. Take, for example, the review posted by a borrower named Devan:

“They have been working with me on how to recover and get my debt paid from having no insurance. Every month my payments are made my credit score gets better. Everyone saying they called the original company and that company stated they had no bill, well that's the truth, the credit collection agency bought the account from them. It clears it through say Cox, but the debt is still owed just to a different corporation at that point. They are always very polite and helpful. I set payment plans that will have all my debt paid off in a timely manner and have a direct number to the worker who always helps me so if I can make an extra payment I can do so with ease.”

Devan’s review shows that debt collectors with Credit Control Corporation are generally willing to work with consumers to try and reach a resolution on a debt collection matter.

Keep reading to learn more about your rights.

Your rights under the FDCPA

You have rights under the Fair Debt Collection Practices Act (FDCPA), including the ability to file a lawsuit. up to $1,000 in damages per violation. Examples of FDCPA violations include:

  • Threaten you with a lawsuit, arrest, or negative credit reporting.
  • Intimidate you for having a debt.
  • Make criminal accusations that are not true.
  • Use obscene language as they attempt to collect.
  • Call third parties like family members, colleagues, or friends.
  • Call you at work after requesting them not to call.
  • Call you multiple times a day and not heeding to your request to stop calling.

Federal laws provide consumers with the opportunity to seek monetary damages in court. The court can exonerate you from paying the debt, or you may receive compensation for emotional and financial distress.

Can Credit Control Corporation garnish my wages?

Yes, in rare cases, wage garnishment occurs when a debt collection agency sues a consumer, and they have failed to respond or appear in court, leading to a default judgment. A default judgment means the collection agency automatically gets permission to access their funds from your wages or bank account.

Credit Control Corporation can also garnish your wages if you ignored their attempts to collect, and they won the case because the evidence they had against you was compelling even if you showed up for court.

To avoid being taken to court for a familiar debt, plan to respond to Credit Control Corporation debt collectors. Ask for more information about the debt in question and send a Debt Validation Letter for Credit Control Corporation to verify that the debt is yours. If the document confirms the debt is rightfully yours, make plans to start payments.

How can I remove Credit Control Corporation from my credit report?

Credit Control Corporation has a right to enter a debt on your credit report once you default or refuse to make payments. Sometimes the information entered may be inaccurate. In other cases, the debt may not be yours or one you have already paid. If you experience these issues on your credit report, you can take the following steps:

  1. Send a Debt Validation Letter: Once you notice discrepancies on your report, send a debt validation letter that requires Credit Control Corporation to validate that the debt belongs to you and the figures are correct. If Credit Control Corporation fails to validate the debt, they should immediately remove it from your credit report.
  2. Dispute the debt: If the validation notice from Credit Control Corporation contains errors, you can dispute the debt with the credit bureaus. The first step is to request your credit reports from TransUnion, Experian, and Equifax. Next, highlight the errors and send the report back with a debt dispute letter. The bureaus will investigate with Credit Control Corporation and either correct the debt or remove it from the report.
  3. Request for goodwill deletion: If you genuinely had debt and paid it, you can request Credit Control Corporation to delete the debt from your report. Legally, they must change the status from unpaid to paid debt and leave it on your report. Asking them to remove it should be done politely because they are within the law by leaving it there.
  4. Propose a pay-for-delete agreement: Request Credit Control Corporation to agree to remove the debt from your credit report if you pay a significant amount. Debt collectors do not quickly warm up to such proposals, and they will require you to pay more than half of the debt to agree to the arrangement.

The Fair Credit Reporting Act (FCRA) safeguards you from unfair debt entry. Report any bad business practices or fraud to your attorney general's office or the FTC website.

What options do I have if Credit Control Corporation sues me?

As we mentioned, Credit Control Corporation can sue you if you ignore their attempts to collect or fail to make payments. Consumers usually panic and are easily manipulated by debt collectors when they receive a lawsuit. You still have options even after the Credit Control Corporation sues you. Remember, Credit Control Corporation's desire is to obtain their client's money, and they will accept any arrangement to do so. SoloSuit will help you respond to the lawsuit with the following documents:

File a written Answer

This is the first document you must send within 14–30 days after receiving the lawsuit. This will prevent a default judgment so that you have more time to work with Credit Control Corporation to find a debt resolution that works for everyone involved. Check out this video to learn more about how to create your Answer to a debt lawsuit:

Negotiate to settle the debt for less

You can request to pay less than the original amount and avoid the expensive court process. Negotiating a debt settlement can be relatively straightforward. First, if you were sued by Credit Control Corporation, take the time to properly respond through an Answer. This is necessary so the court doesn’t enter a default judgment against you.

Second, calculate what you can pay toward the balance. Your calculation should include your current living expenses, available funds, and how much you owe.

Third, kick off settlement talks by reaching out to Credit Control Corporation. If talks go well and you can reach an agreement, make sure to get the debt settlement terms in writing.

Settle with SoloSettle

Make an Offer

To learn more about how to negotiate a debt settlement with Credit Control Corporation, 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.

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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

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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.

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Debt collection FAQs

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Debt collection documents and templates

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State debt collection laws

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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

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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

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