#Sunrise credit services how to
#Sunrise credit services full
#Sunrise credit services verification

Unfortunately, if you make a promise to pay and renege, the collection agency can use that recorded information against you in a lawsuit. They’ll use those recordings to get more information out of you that will further tie you to the debt or to encourage you to make promises of sending payment. Unless you’re a skilled negotiator, you’ll be stepping into a hornets’ nest with every phone call.Īnd, just as important, collection agencies are notorious for recording phone calls. Having a phone conversation with a collection agent is an exchange you’re bound to come out on the short end of.įirst, you’re dealing with a collections specialist, who has not only a thorough understanding of the collection process, but also possesses documents tying you to the debt. You can choose to either work out a solution with the company yourself or engage the service of credit repair professionals to get the job done for you.Īsk Lex Law for Help Avoid Telephone Communication

#Sunrise credit services full

That holds the potential to either settle the account for less than the full amount owed, or even to make it disappear completely.īelow are several strategies you can use to help you achieve either outcome. If there is an easy way, it’s to simply pay the debt, and then move on.īut, if you don’t believe you owe the debt, or you don’t have the money to pay it, you’ll need to challenge it.

#Sunrise credit services how to

How to Deal with Sunrise Credit ServicesĪs much as we’d like to tell you there’s an easy way to deal with Sunrise Credit Services-or any other collection agency for that matter-there isn’t. That means Sunrise Credit Services is a legitimate collection company. What’s more, the company has been BBB accredited since 2012. Sunrise Credit Services has a Better Business Bureau rating of “A+”, the highest rating on a scale running from A+ to F. That may be to your advantage, since they don’t necessarily represent organizations that are harder to deal with, like apartment complexes, government agencies, or student loan lenders. It’s best then to assume they represent a wide variety of entities, with no particular specializations. The company does not disclose the types of businesses and organizations they run collection activities for. This communication is from a debt collector. Any information obtained will be used for that purpose. The company bills itself as one of the leading Accounts Receivable management companies in the United States, but they are a collection agency at the core.Įvery page of their website includes the following language: That makes them one of the better-established collection agencies in the industry. Sunrise Credit Services is based in Farmingdale, New York, and has been in business since 1975. In this article, we’re going to detail specific strategies for dealing with Sunrise Credit Services. But, in more extreme situations, you could be denied a loan or even an apartment because of an unpaid collection. Whatever you do, don’t ignore a collection call or credit report entry from Sunrise Credit Services or any other collection agency.Īt a minimum, collections showing up on your credit report will remain for up to seven years from the date that they first became delinquent.ĭuring that entire time, they will lower your credit score. You’ll need to deal with them to get the problem resolved. Though Sunrise Credit Services is a legitimate collection agency, and one of the longer established ones at that. This doesn’t necessarily mean that you owe what they claim you do. To date I have not received any validation of debt nor any further requests to pay $18.00.Have you been contacted by a company called Sunrise Credit Services or found a collection account on your credit report from them? I also googled and found a lot of posts regarding this company and their deceptive practices regarding unordered magazine subcriptions.

#Sunrise credit services verification

I requested their license and registered agent numbers, a verification that the statue of limitations has not expired, a letter of sale from the original creditor to Sunrise Credit Service giving them the right to collect the alleged debt, verification that Sunrise can legally collect in my state. The return receipt was received by Sunrise Credit Services on February 3, 2012.

I mailed a certified letter with a return receipt requesting a validation of debt to the physical address. I googled the company found their physical address. They provided their email address but no return mailing address. Sunrise Credit Service requested that I email an explanation to them as to why I did not pay for the subscription. I never ordered any magazine subscription from anyone. The letter explained that I owed $18.00 for a magazine subscription and that Sunrise was hired by Hearst Publishing to collect the debt. I received a letter from Sunrise Credit Service, Inc on January 30, 2012.