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How to resolve a debt with CCB Credit Services

George Simons | January 27, 2025

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: CCB Credit Services is a third-party debt collector, and you can negotiate with the company’s debt collection agents to settle your debt for less. Determine how much you can pay, make an offer, negotiate, and get the agreement in writing. Use SoloSettle for help.

Some creditors use a third-party collection agency to help them get their money back from consumers who have fallen behind on their payments. It's challenging to deal with the collectors, especially if you cannot pay the entire amount during the initial demand. However, debt collectors are legally obligated to respect your rights when interacting with you.

Understanding how to deal with credit collection agents on owed or assumed debt works to your advantage. Before you say anything or start making payments, it is helpful to understand what CCB Credit Services can and cannot do so that you can assert your rights and decide how to manage the debt situation.

Settle debt with CCB Credit Services

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

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Who is CCB Credit Services, Inc.?

CCB Credit Services, Inc. is a collection agency that purchases your debt from a creditor (e.g., a credit card company or a loan company). Often, they will contact you via mail or phone to get you to pay the debt. You can also end up with a collection account on your credit report, which lowers your credit score (and chances) of getting approved for a loan or other significant financial event.

If CCB Credit Services is contacting you about a debt, take the following steps to resolve the debt.

CCB Credit Services online reviews

CCB Credit Services is not accredited by the Better Business Bureau, but they do have an A+ rating. The BBB uses seven different factors when determining a business’s rating. You can learn more about that process here.

To learn about CCB Credit Services, read the online reviews left by consumers. You can find them at:

Who does CCB Credit Services collect for?

CCB Credit Services collects debts for clients in various industries. Some of these include:

  • The medical sector
  • Student loans
  • Cellular providers
  • Finance companies
  • Utilities

CCB Credit Services has over eight decades of experience in account receivables management.

Where can you find CCB Credit Services, Inc.?

CCB Credit Services, Inc. calls Springfield, Illinois home. Here's CCB Credit Services' address, phone number, and website:

The law prohibits debt collectors from harassing, abusing, or lying to consumers. Understanding your consumer rights—and not being afraid to exercise them—is essential.

Investigate the debt in question

When an original creditor sells a debt to a third party, the third party might then resell the debt, and so on. Record-keeping becomes almost impossible to manage. Charged-off debts that have been sold to a third party often contain errors.

If you haven't received a debt validation from the debt collector within five business days of first contacting them, request one. Under the Fair Debt Collection Practices Act (FDCPA), you have 30 days after the first contact with CCB Credit Services to request debt validation, which should include details about the debt, who is collecting it, and how to dispute it.

Send a debt validation letter to get them off your back. If a debt collector knows they cannot verify the debt, they sometimes give up because it’s not worth their time and money to continue collection attempts.

If the debt is yours, gather your records, including your payment history and the original creditor. Document any communications with the debt collector and previous payments, and use certified mail for the best evidence.

Debt collectors must abide by your rights.

The FDCPA ensures that all debt collectors abide by specific debt collection laws. Understanding these laws will help you identify if debt collectors violate your rights. Here are some rules every debt collector must follow:

  • Rules govern how debt collectors contact you. They cannot call you at work and should only call you during office hours (between 8 a.m. and 9 p.m.). A legitimate debt collection agency will provide you with company information, including phone numbers and addresses.
  • Their treatment of you is dictated by law–—If you cannot pay your debts, creditors cannot threaten you with arrest, jail time, property liens, or wage garnishment. Your state may allow wage garnishment, but your debt collector will need to go to court first. Debt collectors who pose as police and threaten arrest may be fraudsters.

Get a copy of your credit report

A collection account may appear on your credit report from one of the three major credit reporting agencies—Equifax, Experian, and TransUnion. Review your credit report from all three credit reporting agencies if you want to have a comprehensive understanding of your credit health.

You can view your credit report for free at AnnualCreditReport.com. They are the only source that can givetoies of your credit reports from all three credit bureaus. Look for accounts with similar amounts and dates under different names. In addition to the collection agency, your credit report may include the original creditor.

Your credit report may list their account as a collections account. In many cases, one agency will sell a debt to another, and the same account may have more than one notation.

Make a pay-for-delete agreement or settlement.

If the debt is valid and the information the debt collector provides is accurate, you still have options. If you wish to remove CCB Credit Services from your credit report, you can explore a pay-for-delete option. Pay-for-delete is an option where you only pay your debt if CCB Credit Solutions agrees to remove the collection account from your credit report.

Many debt collectors will accept less than you owe because they likely bought the debt from another company at a meager price. As a result, if you pay them more than they purchased your debt, they can make a profit and may agree to delete it from your credit report. Once you and CCB Credit Services agree on terms, ensure you get it in writing.

A pay-for-delete is not the right choice for everyone. Before considering this option, send a debt validation letter, requesting the creditor to verify the debt and all associated information, which they’re required to do by law. If you decide to pursue a pay-for-delete, verify all negotiations via email or certified mail. If the collection account is still on your credit report after a few weeks, you should notify CCB Credit Services.

For more information on debt validation letters, check out this video:

Request a goodwill deletion

You can send a goodwill deletion as a last resort. A goodwill deletion letter is sent directly to the creditor or debt collection agency, asking them to contact the credit bureaus to remove the negative mark on your report. It is best for people who have already paid the debt, which may earn them some goodwill with the debt collection agency. You can email them stating that you have already paid the debt and would like the collection account taken off your credit report.

The decision to remove the collection account lies entirely with CCB Credit Services. Be polite and concise in your letter, and only supply supporting documentation if the information is accurate.

Settle your debt with CCB Credit Services.

Settling a debt is often the best way to avoid ongoing collection activity and may help you avoid a lawsuit. Once you’ve verified that the debt belongs to you and the information is accurate, it’s time to consider settlement negotiations. The process is straightforward if you use the four steps listed below.

  1. Carefully review your personal finances to determine how much you can afford to offer as a settlement.
  2. Send the settlement letter to CCB Credit Services. Make it clear that this is a debt settlement letter, outline any hardships that have resulted in this situation, and state your lump sum offer. Alternatively, you can call CCB Credit Services directly to negotiate, but if you’re like most people, you probably don’t want to spend your afternoon negotiating with collectors. SoloSettle is also a great way to make a settlement offer online to avoid the hassle of snail mail, phone tag, or even court negotiations. Be prepared if they send a counteroffer.
  3. Once you’ve reached an agreement, ensure it is memorialized in a written and signed debt settlement agreement.
  4. Pay the amount you agreed to pay on time.

To learn more about how to negotiate with collectors like CCB Credit Services, watch the following interview for negotiation tips and tricks from an attorney:

What if CCB Credit Services is suing me?

If CCB Credit Services files a lawsuit against you, there is still hope. You might think you have to hire an attorney to represent you in the case, but doing so can be stressful and pricey (in some cases, even more expensive than the debt you owe). But you can represent yourself and win in court with SoloSuit's help.

The first step to beating CCB Credit Services in court is to file a written Answer to the Summons and Complaint (which you should have been properly served). You can make an Answer on SoloSuit's website in less than 15 minutes by answering a few questions. SoloSuit can also help you file your Answer and have an attorney review your documents before submitting them.

Make the right defense the right way with SoloSuit.

Settle with SoloSettle

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