Have you received phone calls or letters from Sunrise Credit Services regarding an outstanding debt? Before taking action, it helps to know about what they do, and what your rights are as a consumer.
Sunrise Credit Services Inc. is a third-party collection agency that was established in 1974. According to its website, Sunrise offers “customized programs for managing all of your receivables needs and collections as an extension of your operations or on a standalone basis.” The company’s headquarters is in Farmingdale, New York; and it partners with businesses nationwide.
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Is Sunrise Credit Services legitimate?
Unfortunately, the COVID-19 pandemic increased the already overwhelming number of debt collection scams targeting consumers. But Sunrise Credit Services is a legitimate debt collection agency that is accredited by the Better Business Bureau (BBB). However, mistakes can happen, and consumers can come to feel like they are being harassed by the agency. Or, consumers may feel the debt alleged by the agency is inaccurate. It is important to know that you have rights, and collection agencies can only go so far before they cross the legal line into unacceptable practices.
Who do Sunrise Credit Services collect for?
You may wonder, “What companies use Sunrise Credit Services?” This agency collects for a wide variety of creditors from across the United States, including retail stores and financial institutions. Various Facebook and BBB reviews indicate that Sunrise Credit Services has worked to collect outstanding debts originating from Comcast/Xfinity, Sprint, and AT&T.
If I avoid Sunrise Credit Services, will they stop calling?
Typically, avoiding a debt collector will only make matters worse. If you act fast, you can request verification of the debt to ensure that it is legitimate. However, if you simply ignore contact attempts, you may lose that opportunity. Ignoring a debt collector can result in a drop in your credit score or a lawsuit.
What are my rights?
Rest assured that the law protects you from collections harassment. The Fair Debt Collection Practices Act prohibits debt collection companies from using harassment or deceptive tactics to collect a debt. Conduct that may violate the Fair Debt Collection Practices Act includes:
- Calling late at night or early in the morning;
- Frequent or repeated phone calls on a single day;
- Using offensive or derogatory language;
- Threatening arrest for nonpayment of debt;
- Calls to family members or employers; and
- Improper threats of wage garnishment or lawsuits.
Additionally, the Fair Credit Reporting Act gives consumers the right to dispute inaccurate information on file with credit-reporting agencies such as Equifax, Experian, and TransUnion. If a consumer disputes the information, the agencies are required to investigate, remove, or correct any inaccurate information.
How can Rahman Legal help with my Sunrise Credit Services dispute?
Many people choose to ignore debt collection agencies when they start receiving collection calls. However, this can seriously impact your rights as a consumer and result in negative consequences down the road. Although navigating debt collection can seem daunting, Rahman Legal can help you understand the process and formulate a strategy to help stop collections harassment. Rahman Legal has over a decade of experience representing clients facing debt collection issues in the New York City area.
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If you feel your financial future is on the line, our firm is here to help. Contact Rahman Legal today to schedule your free initial consultation with our experienced consumer law firm.