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Updated on Author: Contributor: Sergei Lemberg

Is Sunrise Credit Service, Inc. Calling You?

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Harassment

 

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Getting calls and letters from debt collectors is a stressful experience. In most instances they demand amounts that you can’t afford to pay.

In addition, debt collectors can be pushy and insulting when trying to collect money. Most collection agencies are paid according to what they succeed in collecting, so they have a tendency of crossing the line between persistence and abuse.

If this happens to you, the law is on your side.

Is Sunrise Credit Service legit?

Yes, Sunrise Credit Service is a legitimate business. The BBB accredited Sunrise Credit Service in 2012 and gave it an A- rating. Buzzfile notes that Sunrise Credit Service has approximately 400 employees and an annual revenue of $29.7 million. The BBB lists Sunrise Credit Service as a collection agency. According to its website, Sunrise Credit Service states their best qualities as their “deeply experienced people, [their] service-obsessed culture, and [their] commitment to quality and compliance.”

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Who does Sunrise Credit Service collect for?

Sunrise Credit Services is a third-party collection agency that collects for retailers, banks, and other credit grantors on past-due debts.

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How many complaints are there against Sunrise Credit Service?

As of June 2023, there are currently 279 complaints posted in the last 3 years on Sunrise Credit Service BBB page, 108 of which were posted in the last 12 months. The complaints largely claim that Sunrise Credit Service has utilized rude and unprofessional collections practices, has harassed debtors, and falsely reported credit. Additionally, there are 399 Google reviews posted regarding Sunrise Credit Service collection practices, amounting to a 1.4/5 star review.

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Sunrise Credit Service Contact information

Address: P.O. Box 9004 Melville, NY 11747-9004
Telephone: 800-208-9824
Website: https://www.sunrisecreditservices.com/contact-sunrise

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Can Sunrise Credit Service sue me or garnish my wages?

It is possible that Sunrise Credit Service sues you or garnishes your wages. However, it is important to note that they may only take this action with legitimate reason to do so, otherwise it violates federal collections law. Though this practice is illegal, debt collectors are known to take advantage of alleged debtors, proceeding to summon them to court and garnish their wages, even if they do not actually owe the collections company any money. Given this risk, the wisest decision as a consumer or alleged debtor would be to acquire legal help to assist with resolving your case.

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Can I sue Sunrise Credit Service for harassment?

You can sue Sunrise Credit Service for harassment and you should if you wish to enforce your rights and recover money for Sunrise Credit Services violation. In fact, the Fair Debt Collections Practices Act (FDCPA) protects consumers like you, awarding damages of up to $1,000, plus attorney fees and court costs to victims of wrongful collections practices. Take advantage of the federal laws that are meant to protect consumers like you, and contact an attorney if you are at risk.

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How often can Sunrise Credit Service Call?

Sunrise Credit Service can only call within federally designated guidelines. Moreover, there are laws which protect consumers from repetitive phone calls from debt collectors. In November 2021, the CFPB’s Debt Collection Rule clarified that a debt collector is presumed to have violated the law if they place a telephone call to you about a particular debt

  • More than seven times within a seven-day period, or
  • Within seven days after engaging in a telephone conversation with you about the particular debt.

However, even if a collector has not not violated this particular portion of federal law, their actions may still be illegal if they are intended to harass, oppress, or abuse you.

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How to stop Sunrise Credit Service calls?

You can stop Sunrise Credit Service from calling by acquiring professional help. It is wisest to file a complaint first and then obtain assistance from an attorney. Your attorney will inform you that the Fair Debt Collections Practices Act (FDCPA) provides consumers protection from improper collections practices by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. They may add that if they have harassed you, or called you repetitively, you can receive additional protection under the FCRA, the Telephone Consumer Protection Act (TCPA), and the Consumer Financial Protection Act (CFPA). You may have a case if..

  • You are receiving multiple calls per week from third party collection agencies.
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your family, friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

Need Help With Sunrise Credit Services?

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Does Sunrise Credit Service hurt my credit score?

It is possible. If Sunrise Credit Service. has contacted you regarding an alleged outstanding debt it is possible that they will report the alleged debt to a credit bureau. You can prevent this from occurring, or remove the credit report if it has already been reported by contacting an attorney for assistance.

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

About the author:

Contributor: 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.

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