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Why Is Sunrise Credit Services Calling Me? How to Settle Your Debt

George Simons | January 24, 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 Sunrise Credit Services contacts you about a debt, respond promptly to validate it or negotiate a settlement. Ignoring them could lead to a lawsuit. Use Solo to streamline the settlement process.

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

On the other hand, almost everyone does not enjoy receiving a notice about an unpaid debt. If you receive a letter from Sunrise Credit Services, it probably isn’t going to compliment your stellar 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.

So, to help you resolve the debt issue, we’ve written this article to tell you more about Sunrise Credit Services, who they collect for, how to respond if you’ve been sued by a debt collector, and how to negotiate with Sunrise Credit Services to settle your debt for less.

Settle debt with Sunrise Credit Services

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

Settle with SoloSettle

What is 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.

If you want to reach Sunrise Credit Services to resolve a debt, here’s the Sunrise Credit Services phone number and other contact information:

Who does Sunrise Credit Services collect for?

Sunrise Credit Services routinely partners with an array of clients in different sectors of the economy, acting as an external accounts receivable management team and collection agency.

More specifically, Sunrise Credit Services collectors for:

  • AT&T
  • Bank of America
  • Charter Communications
  • Comcast
  • Con Edison
  • Optimum
  • Publisher’s Clearing House
  • Spectrum
  • Sprint
  • Teachers Federal Credit Union
  • Xfinity

In addition, Sunrise Credit Services collectors for other companies and organizations in the following industries: education, financial services, retail, telecommunications, and more.

Sued for debt by Sunrise Credit Services? Settle the debt and move on with your life.

Read Sunrise Credit Services reviews online

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

Not all Sunrise Credit Services reviews are bad, especially considering the fact that it’s a debt collector. In fact, several Sunrise Credit reviews show that debtors can have a pleasant experience communicating with Sunrise Credit collectors to resolve debt. Let’s consider a real example from a borrower named Ariadna:

“Victoria Harris was such a sweet, understanding representative. She didn’t just ask for the debt that I owed but asked what happened that caused this and made sure I was okay. She then proceeded to get me a great settlement that made it possible for me to pay off. Thank you!”

This review shows that, if you’re willing to engage with Sunrise Credit Services debt debt collectors, they will get a payment plan set up that works for you and your current financial situation.

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.

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 this 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.

How to settle debt with Sunrise Credit Services

Settling your debt can save you money, and it also protects you from the consequences of a judgment. Here are some recommended steps to try and settle a debt with Sunrise Credit Services:

  1. File an Answer to the debt collection lawsuit so you don’t get hit with a default judgment.
  2. Determine how much you can actually afford to pay with the following formula: Amount available to settle = (monthly income – monthly costs) + savings)
  3. Make a reasonable settlement offer that is less than the maximum amount you can pay.
  4. Be ready to go through multiple rounds of negotiating.
  5. When you reach a debt settlement agreement, get the terms in writing.

To learn more about these tips and others that may assist you on your journey to settle debt with Sunrise Credit Services, watch the following interview with a consumer rights attorney, John Skiba, where he shares the best tips for negotiating debt settlement with collectors:

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.

INSERT SOLOSETTLE

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