How to Beat Sunrise Credit Services

Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

Edited by 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: Sunrise Credit Services is a large collections agency that purchases aging, unpaid consumer debts from creditors nationwide. If Sunrise Credit Services contacts you, it’s likely pursuing an obligation you owe. If you’ve been sued for debt, you should respond to the lawsuit with an Answer and consider debt settlement. SoloSuit can help you respond to a debt lawsuit and settle your debts.

Sunrise Credit Services has a charming name. After all, almost everyone enjoys watching a beautiful sunrise in the morning.

But names can be deceiving. If you receive a letter from Sunrise Credit Services, it probably isn’t going to compliment your steller financial management skills or offer you a 0% interest loan; instead, it’s trying to collect a debt.

Sunrise Credit Services partners with banks and other entities and pursues debtors relentlessly until they pay off their obligations. If it contacts you, expect to receive many letters and phone calls. If you don’t respond, Sunrise Credit Services may decide to sue you.

What to know about Sunrise Credit Services

Based in New York, Sunrise Credit Services has been in business as a family-owned collection agency since 1974. The company has a 45,000-square-foot facility that houses hundreds of collection agents and other employees. It partners with clients, acting as an external accounts receivable management team and collection agency.

The address for Sunrise Credit Services is P.O. Box 9004, Melville, NY 11747-9004. Consumers who have collection inquiries can reach the company at (800) 645-9824. You can call Sunrise Credit to speak to a credit investigations team at (800) 645-6898.

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What customers say about Sunrise Credit Services

Company marketing materials, including websites, are subjective. They reflect what the organization wants consumers to know about its operations but don’t reveal anything about the client experience. That’s why looking at an objective source, like the Better Business Bureau (BBB), is essential when you want more information about a company.

Sunrise Credit Services has an accredited profile with the BBB. Its current rating is an A-. Many collections agencies don’t bother accrediting their business with the BBB, but Sunrise does. The A- rating indicates the company is responsive to clients and has a decent reputation, according to public data sources.

However, data from April 2023, shows that customers have filed 280 complaints against the company in the past three years. Unfortunately, only two complaints are available to view. The BBB usually publishes all complaints unless consumers elect for them to remain private or the complaints do not meet the BBB standards for publication.

Of the two complaints, the only noteworthy one is about a collection notice sent to an 87-year-old man. The recipient’s niece filed a complaint with the BBB, alleging that the notice wasn’t accurate and that her uncle didn’t owe the bill. Sunrise Credit Services found no information about the debt and removed the man’s phone number from its calling list.

Male Sunrise Credit Services validate your debt

If you receive a bill from Sunrise Credit Services for a debt you’re unfamiliar with, it’s important to know it’s legit before making any payments on the obligation. Sunrise Credit Services works with thousands of consumer debts, and it has many clients. The notice you receive may pertain to a responsibility that isn’t yours.

Under the Fair Debt Collection Practices Act (FDCPA), all consumers have 30 days to request debt validation after receipt of a collection notice.

In a Debt Validation Letter, a consumer asks the collection agency to provide evidence that it owns the obligation and that the consumer owes it. If the debt collector doesn’t provide full validation of the debt, it must cease further collection activities against the consumer.

If you’re unsure how to write a Debt Validation Letter to Sunrise Credit Services, use SoloSuit’s Debt Validation Letter template.

If Sunrise Credit Services complies with your request and sends you the information necessary to validate the debt, you must determine your next steps. Remember that Sunrise Credit Services may sue you for the obligation if you don’t resolve the debt while the statute of limitations is still open.

If Sunrise Credit Services sues you, don’t ignore the lawsuit

If Sunrise Credit Services sues you for unpaid debt, you can’t afford to ignore it. You’ll want to take action to protect yourself. If you lose the lawsuit, Sunrise Credit Services will obtain a judgment it can use to garnish your wages or take money from your bank account.

Your court Summons will include a Complaint from Sunrise Credit Services that identifies why it’s suing you. It will indicate the amount you owe and any additional information about the debt, like the account number and original creditor. Carefully review the Complaint and note any errors that you find.

Next, you’ll need to draft an Answer. An Answer is your formal response to the debt lawsuit. It includes your defenses against the case, if you have any. For instance, you might claim the debt is past the statute of limitations or that the amount Sunrise Credit Services is suing you for doesn’t agree with your records.

An Answer is critical because it stops Sunrise Credit Services from requesting a default judgment against you. Instead, the judge must listen to both sides of the claim before deciding on an outcome.

Watch this video to learn more about how to Answer a debt lawsuit against Sunrise Credit Services:

Now, let’s consider an example of how to beat Sunrise Credit Services in court.

Example: Cindy receives a Summons for unpaid debt from Sunrise Credit Services. She reviews the Complaint and discovers the amount of the lawsuit doesn’t match her records. She uses SoloSuit to draft and file an Answer into the case, noting the discrepancy as a defense. The judge reviews her Answer and rules in her favor. The case is dismissed, and Sunrise Credit Services can’t sue her again for this debt.

If you don’t have any valid defenses to the debt, you have two choices: repaying or settling the debt before your court date. In a debt settlement, you pay a portion of the debt in a lump-sum payment. In return, Sunrise will drop the case and release you from the remaining obligation.

Settling your debt can save you money, and it also protects you from the consequences of a judgment.

Don’t let Sunrise Credit Services win a lawsuit against you

If Sunrise Credit Services is chasing you for debt, it’s best to resolve the matter quickly. That way, you avoid a debt lawsuit and a potential judgment. Try to repay your debt, but if that’s not possible, a debt settlement can stop future collection activities.

Ready to resolve your Sunrise Credit Services debt? SoloSettle can manage the settlement process for you.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

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