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By Contributing Author: Sergei Lemberg Updated on

Are You Being Called By Credit Services, Inc.?*

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Are you being called by Credit Services, Inc.?* Here’s what you need to know

Over one-third of consumers in the U.S. have had delinquent debts turned over to collection agencies. If you’re one of them and the company assigned to your account is harassing you for payment night and day, there are a few things you should know.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to protect consumers from being threatened and bullied by third-party debt collectors. For 40 years now, the FDCPA has been regulating the conduct of these agencies by outlawing collection tactics like the following.

  • Swearing, yelling, and calling you names
  • Leaving voice messages that do not identify the collector and the purpose of their call
  • Contacting you after you have sent a cease and desist letter
  • Claiming that you can be arrested, have your assets seized, or have your wages garnished if they do not pay
  • Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
  • Refusing or failing the validate the debt

Credit Services, Inc.

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Company Profile: Credit Services, Inc.

If you are being called by Credit Services, Inc., information about the company is below.

Credit Services, Inc., also known as the CSI Group, is a debt collection company located in Oklahoma City, Oklahoma. It was established in 1941, has 20 to 49 employees, and is managed by owner Ron L. Brown. A close inspection of litigation files at the PACER (Public Access to Court Electronic Records) website confirms that consumers who believed they were being harassed by Credit Services, Inc. chose to spend their money on a consumer attorney instead of settling a questionable debt.

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Alleged Violations against Credit Services, Inc.

According to PACER, In the first part of 2015, an Oklahoma resident noticed that Credit Services, Inc. was reporting an alleged medical debt to TransUnion. Upon investigation, it appeared that the creditor had made a claim to the insurance company of a shop where she had fallen and injured herself, but no insurance payments appear to have been credited to her invoice.

Upon noticing the obsolete account on her credit report, she disputed the account. In May 2015 Credit Services, Inc. updated her TransUnion credit report and “confirmed” that she owed $1,670. The agency reported reported that her account was “Placed for Collection” on June 23, 2010 but reported a date of first delinquency sometime around October, 2009.

Feeling harassed by Credit Services, Inc., She hired a consumer attorney and sued the company for using false, deceptive, and misleading means to collect a debt.

The matter was later dismissed.

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Hire an Attorney

The phone number for this debt collection agency is 1-405-943-9608. It you see it on your caller ID when the phone rings, it means that you are being called by Credit Services, Inc.. If they attempt to report an out-of-statute debt as delinquent and harm your credit opportunities as a result, hire a consumer attorney. If you file a claim against Credit Services, Inc. with your attorney’s help and prevail in court, you may be awarded statutory damages of $1,000 per FDCPA violation. When a collection agency violates your rights, an attorney can help you obtain the compensation you deserve.

*Case taken from PACER ( File number is Case 5:16-cv-00023-HE from the United States District Court for the Western District of Oklahoma.

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 Credit Services, Inc., or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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