Got a Call or Letter from CCS Offices? Here's What to Do

Receiving an unexpected call or letter from CCS Offices can be confusing. And let’s be honest, a little stressful.

If you’re wondering, “Why is CCS Offices calling me?” or you’re searching for the “CCS Offices phone number,” you’re on the right place.

Every day, thousands of people find themselves searching for answers about CCS Offices and why they’re being contacted

As someone who’s worked in credit repair and financial advocacy for years, I’ve seen firsthand how confusing and overwhelming debt collection can be. Especially when the debt feels like it came out of nowhere.

That’s why I created this guide.

To give you clear answers, because you deserve to know what you’re dealing with and how to protect yourself.

In this article, I’ll break down:

• Who CCS Offices really is
• Why they’re contacting you
• What your legal rights are
• And exactly what to do next

Whether the debt is legit, wrong, or already paid, you’ll learn how to respond with confidence. Avoid mistakes that could hurt your credit or finances.

Let’s get into it.

What is CCS Offices?

CCS Offices, officially known as Credit Collection Services, is a legitimate third-party debt collection agency headquartered in Norwood, Massachusetts. CCS Offices purchased this debt from the original creditor and is now acting as a third-party debt collection agency. It's also possible the original creditor still owns the debt and hired CCS Offices to collect the debt.

When CCS Offices contacts you, it means they're attempting to collect on a debt that originated with another company. This could be an old credit card balance, medical bill, utility payment, or any other type of consumer debt that went unpaid.

CCS Offices operates under federal debt collection laws, including the Fair Debt Collection Practices Act (FDCPA). However, many people have filed complaints against them. For example, the Consumer Financial Protection Bureau (CFPB) has a Consumer Complaint Database with five complaints involving the company, so it's important to know your rights when dealing with them.

CCS Offices: Debt Collector or Debt Buyer?

Here’s where things get a little tricky.

Sometimes CCS Offices purchases debt, meaning they buy past-due accounts from banks, medical providers, credit card companies, or utility services. When that happens, CCS becomes the legal owner of the debt and starts collecting in their own name.

Other times, the original creditor still owns the debt, and CCS Offices is simply hired to collect it. In this case, they’re acting as a collection agency, and the original company still technically owns the account.

In either situation, their goal is the same: to get you to pay up.

Is CCS Offices Legit?

Yes, CCS Offices is a real and legally operating collection agency. They’ve been in business for decades and are one of the largest debt collectors in the U.S. That said, being legitimate doesn’t always mean they operate perfectly.

In fact, many consumers have filed complaints about their practices.

The Consumer Financial Protection Bureau (CFPB) has received complaints about:

• Attempting to collect debts that were already paid or not owed
• Harassing phone calls
• Reporting incorrect information to credit bureaus
• Failing to validate debts when requested

That’s why it’s important to know your rights before dealing with them.

Where Are CCS Offices Located?

CCS Offices, also known as Credit Collection Services, operates from a primary location in Norwood, Massachusetts. While they may contact people across the United States, all communication, disputes, and payments are typically routed through their headquarters. Knowing their exact location can help when sending debt validation letters or legal notices.

Here’s the key contact information:

CCS Offices Phone Number - How to Contact Them

If you need to reach CCS Offices directly, the CCS Offices phone number is (617) 965-2000. However, CCS Offices may call you from various numbers, including:

• (617) 965-2000 (main number)
• (800) numbers that may vary
• Local area codes to increase answer rates

Important: Never give personal information to someone claiming to be from CCS Offices until you verify their identity. Scammers often impersonate debt collectors, so always ask for:

• The caller's full name and employee ID
• The complete company name (Credit Collection Services)
• A callback number
• Details about the alleged debt

If something feels off, hang up and call CCS Offices directly at their verified number.

Recommended Article: How to Remove Qualia Collection Services from Your Credit Report

Why is CCS Offices Calling Me? Common Reasons

CCS Offices is calling you for one of these reasons:

You Have an Outstanding Debt: The most likely scenario is that you owe money on an account that's been sent to collections. This could be from years ago - CCS Offices often purchases old debts.

Mistaken Identity: Debt collectors sometimes contact the wrong person due to similar names, outdated information, or database errors. If you don't recognize the debt, you may be dealing with mistaken identity.

Someone Used Your Information: In rare cases, CCS Offices might be calling about a debt created through identity theft or fraud.

You're a Reference or Contact: Sometimes CCS Offices calls people listed as references or emergency contacts for the actual debtor.

Old Resolved Debt: Occasionally, CCS Offices may contact you about a debt you thought was already paid off or settled.

Who Does CCS Offices Collect For?

CCS Offices works with creditors across multiple industries. They commonly collect debts for:

Healthcare Providers: Hospitals, medical offices, and healthcare systems frequently use CCS Offices to collect unpaid medical bills and patient balances.

Credit Card Companies: Major credit card issuers often sell charged-off accounts to CCS Offices or hire them to collect on their behalf.

Utility Companies: Electric, gas, water, cable, and phone companies use CCS Offices to recover unpaid service bills.

Retail and E-commerce: Department stores, online retailers, and specialty shops may work with CCS Offices for unpaid accounts.

Financial Services: Banks, credit unions, and lending companies use CCS Offices to collect on various loan products and financial services.

Government and Municipal: Some government agencies and municipalities contract with CCS Offices to collect unpaid fines, fees, or taxes.

Telecommunications: Cell phone companies and internet service providers often use CCS Offices for collection services.

Your Rights When CCS Offices Contacts You

The Fair Debt Collection Practices Act gives you specific rights when dealing with CCS Offices:

Debt Validation Rights: CCS Offices must send you a written notice within five days of first contact. This notice must include:

• The amount of the debt
• The name of the original creditor
• A statement of your right to dispute the debt within 30 days

Communication Limits: CCS Offices cannot:

• Call before 8 AM or after 9 PM in your time zone
• Contact you at work if you tell them it's not allowed
• Use abusive, threatening, or profane language
• Discuss your debt with third parties (except your attorney)

Stop Contact Rights: You can request that CCS Offices stop calling you. Send a written letter requesting they only communicate with you in writing.

Step-by-Step: What to Do When CCS Offices Contacts You

Step 1: Stay Calm and Document

Don't panic when CCS Offices calls. Write down:

• Date and time of contact
• Caller's name and information provided
• Details about the alleged debt
• Any threats or inappropriate behavior

Step 2: Request Debt Validation

Ask CCS Offices to send you a written verification of the debt. Don't admit to owing anything until you've verified the debt is legitimate and belongs to you.

Step 3: Check Your Records

Look through your:

• Credit reports from all three bureaus
• Old bills and statements
• Bank records
• Any previous correspondence about this debt

Step 4: Verify the Debt is Yours

Make sure:

• The debt amount matches your records
• The original creditor information is correct
• The debt is within your state's statute of limitations
• You haven't already paid or settled this debt

Step 5: Decide Your Next Move

Your options include:

• Disputing the debt if it's not yours or incorrect
• Negotiating a payment plan or settlement
• Paying the debt in full
• Seeking help from a credit counselor or attorney

How to Dispute a Debt with CCS Offices

If you believe CCS Offices is trying to collect a debt that isn't yours or is incorrect:

1. Send a Dispute Letter: Write to CCS Offices within 30 days of receiving their validation notice
2. Request Proof: Ask for documentation proving you owe the debt
3. Keep Records: Save copies of all correspondence
4. Follow Up: If CCS Offices can't validate the debt, they must stop collection efforts

Related Read: Why Is CKS Prime Investments on My Credit Report? A Complete Guide

Negotiating with CCS Offices

If the debt is legitimate and you want to resolve it:

• Settlement Options: CCS Offices may accept less than the full amount owed. Start by offering 25-40% of the balance.
• Payment Plans: If you can't pay in full, propose a monthly payment plan that fits your budget.
• Get Everything in Writing: Before sending any money, get the agreement details in writing from CCS Offices.
• Pay Method: Use a money order or cashier's check rather than giving CCS Offices access to your bank account.

Protecting Yourself from CCS Offices Scams

While CCS Offices is legitimate, scammers sometimes impersonate them:

• Never give banking information over the phone
• Don't pay with gift cards, wire transfers, or prepaid cards
• Verify all contact independently
• Be suspicious of high-pressure tactics or immediate payment demands

When to Seek Professional Help

Consider contacting a consumer attorney or credit counselor if:

• CCS Offices violates debt collection laws
• You're being sued by CCS Offices
• The debt amount is substantial
• You're unsure about your rights or options

Remember, dealing with CCS Offices doesn't have to be stressful if you know your rights and take the right steps. Whether you're disputing a debt or working out a payment arrangement, staying informed and organized will help you resolve the situation effectively.

Bonus tip: At ASAP Credit Repair, we've successfully helped thousands of clients remove collection accounts like CCS Offices from their credit reports.

You don’t have to live in fear and worries, expert help can make a real difference.