Is Scam or Legit? How To Dispute This Credit Collection

If you’re reading this, you’ve probably gotten a notice of debt from CCS Credit Collection. While this notice might send shivers down your spine, there’s really no need to panic.

We’ll be writing a detailed review of, how this debt collection company operates, and what to do about the alleged debt.

We’ll also share real reviews from people, and how they were able to navigate their way through the alleged debt.

Who Is CCS Collection?

CCS otherwise known as Credit Collection Services is a legitimate credit collection company located at or This company was founded in 1969 and is currently headquartered in Norwood, MA.

They help companies collect debts, and receive their commission in the end. The means which they inform people about the said debts are via Phone calls, letters and text messages.

Photo by Towfiqu Barbhuiyaon Unsplash

How Does Ccspayment Appear on Credit Report?

The debts may show on your credit report under the following terms: “ccs collections,” “ccs payment,” “credit collection servic,” “ccs credit collection services,” “credit collection services norwood ma,” “ccs usa,” “ccs collection,” “ccs notice,” or “ccspayment.”

Sadly, this might hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not.

Here’s what to do about this debt.

How To Dispute Ccspayment Debts

Do Not Ignore Ccspayment

Don’t make the mistake of ignoring the calls and notices from Ccspayment. You can do things on your terms, but ignoring the situation will not make The CCS Companies go away. Ignoring them sets you up for a possible lawsuit.

Document All Communications with Them

Be it phone calls, text messages or emails. You should ensure you document each, as you might need it as a proof later. You should record their phone calls. If you must deal with a debt collection agency on the phone, record them.

Ask for Documentation Showing Proof of Debt

Before proceeding with whatever payment, request for a document that shows the debt is really yours. The request letter should be titled ‘Debt Validation Letter’. You have the right to validate an alleged debt. By law, Credit Collection Services have 30 days to prove to you that the debt is really yours. and the total amount is accurate.

Verify The Amount

Once you receive the proof of document, ensure that the total amount is accurate. If it is correct then you can proceed with payment. Credit Collection Services might not bring a Lawsuit against you, sue you, or garnish your wages. However, if they do, it can be a very scary experience.

Negotiate Debt Settlement

Negotiating a debt settlement on your own is not easy, but it can save you time and money compared with hiring a debt settlement company. The settlement could be one payment or a series of smaller payments. Just don’t pay more than you can afford.

Meanwhile, negotiating a settlement on your own  may not help your credit.  Once a collection account is added to your credit report, your score will be damaged for seven years regardless of payment.

Effective Ways To Remove Credit Collection Services From Your Credit Report

The best way to deal with a CCS Credit Collection Services is to work with a professional credit repair service. This is because very rarely do something good result from speaking to a collection agency on the phone.

Sometimes,  making payments on the collection account will reset the clock. So instead of helping your credit, it could make it worse. This is why you need a professional.

Professional credit repair service have deleted millions of negative items from companies like The CCS Companies for millions of clients nationwide, and they can help you too.

Ccspayment Complaints

On Yelp, this company has a 1 star ratings from displeased people. A lot of people seem to think it is a scam. Below, is what someone has to say about CCS debt collector-

I received a letter today from this company pertaining to a car insurance policy that was canceled in 2018, but have never received any correspondence prior to this and it’s now 2021? I also had a renters policy that I had kept until just last year.  When the renters was canceled my insurance company never said I had an outstanding balance. I closed everything out personally with my agent because my husband had passed away because it was all in his name.

This company is a SCAM! They are hoping you just write a check and send it…I am calling the Attorney General and turning these scammers in!


Do you think it is true? What are your opinion about this debt collector? Have you received a call or letter even though you are not owing any company a dime? Please share your experience in the comment section.

Frequently Asked Questions

  1. Is a scam? is not really a scam perse. However, there have been complaints from various people stating they were given a debt they never owed. It’s best to verify and validate the debt before making payment.

  1. How do I dispute Ccspayment?

After confirming the debt, you should opt for professional credit repair services for their expertise. Negotiating directly with CCS Collection may not improve your credit report.

  1. What should I do If I’ve a notice from Ccspayment without owing any debt?

If you’re certain you owe nothing, do not attempt to ignore CCS as they might sue you. You should rather ask for a debt validation letter to get full details about the debt.


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