Are You Being Called By Creditors Collection Service, Inc.?*

Collection agencies train their employees to be as persistent as possible to collect money owed. This direction frequently manifests itself as aggressive and intrusive measures such as calling the debtor at all hours of the day or night, harassing them at work, or blowing up their phone with an auto dialer.

If it happens to you, be aware that such tactics are illegal.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act is a federal statute that protects consumers from unethical and aggressive debt collection practices. It regulates the conduct of licensed collection agencies and prohibits d abusive tactics like those below.

• Using profane and obscene language
• Showing up at your house to intimidate you
• Disguising the fact that they are debt collectors trying to collect a debt
• Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
• Calling you several times per day using an auto dialer
• Reporting false information to the credit bureaus

Company Profile: Creditors Collection Service, Inc.

If you are being called by Creditors Collection Service, Inc., background information is summarized below.

Creditors Collection Service, Inc. is a collection agency located in Sheboygan, Wisconsin. It opened in 1969, has approximately five employees, and is managed by its President, Donald Waage. The company has a B rating with the Better Business Bureau.

Records that can be viewed at the PACER website indicate that consumers who felt they were being harassed by Creditors Collection Service, Inc. chose to act on their rights instead of pay.

Alleged Violations against Creditors Collection Service, Inc.

According to PACER, on or about December 28, 2011, a representative from Creditors Collection Service, Inc. allegedly called a Wisconsin consumer, claiming to be an attorney hired by the agency. This caller allegedly threatened to take the consumer and her husband to court.

The amount of the alleged debt was $658.39. On or about January 9, 2012, the creditor filed a lawsuit against the consumer and n or about February 21, 2012, the consumer went to the agency’s office to pay the debt, which totaled $658.39.

Company representatives informed her that she owed a total of $1,109.91, with collection fees and other costs included. She was shocked but felt she had no choice but to pay it.

Feeling harassed by Creditors Collection Service, Inc., the consumer hired an attorney and sued the company for allegedly violating her rights by:

• Falsely claiming to be an attorney
• Using false, deceptive, and misleading means to collect a debt
• Using unfair and unconscionable means to collect a debt
• Misrepresenting the character, amount, or legal status of a debt

A judge later ruled in favor of the plaintiff.

Hire a Consumer Lawyer

The phone numbers for Creditors Collection Service, Inc. are:

• 1-920-458-2161
• 1-800-458-2161

If you owe a debt and these numbers start appearing on your caller ID, it means that Creditors Collection Service, Inc. is on the line. If they pretend to be attorneys and threaten you with legal actions that don’t transpire, don’t be bullied any longer.

Hire a consumer lawyer and file a claim against Creditors Collection Service, Inc. You could be awarded both statutory and punitive damages plus your attorney fees, so when a collection agency disregards your rights, the law supports appropriate remedies.

Additional Resources

• What Are Damages in an FDCPA Claim?
• How Do I Pay an FDCPA Attorney?

Case taken from PACER (pacer.gov). File number is Case 2:12-cv-00203-AEG from the United States District Court for the Eastern District of Wisconsin

*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Creditors Collection Service, Inc. or any other third-party collection agency, you may not be entitled to any compensation.