Are you being inundated with calls from Sunrise Credit Services (SCS)? Is the constant harassment from Sunrise Credit Services affecting your peace of mind? If so, knowing your rights and how to protect yourself from debt collection practices that violate the law is essential.

Sunrise Credit Services, like many other third-party debt collectors, is hired by creditors to collect outstanding debts. While they have a legitimate role in the credit system, sometimes their methods can cross the line with harassment. Fortunately, the law protects consumers from aggressive debt-collection tactics, and you are not powerless. In fact, the Fair Debt Collection Practices Act (FDCPA) sets strict guidelines that all debt collectors, including Sunrise Credit Services, must follow. When a debt collector breaks these rules, you may receive compensation for the harassment.

If you’re tired of enduring Sunrise Credit Services phone harassment, you can take steps to end the calls and protect your rights. At The Wood Law Firm, we’re here to help you every step of the way.

How to Deal with Sunrise Credit Services

The first step in addressing debt collection harassment is understanding what it entails. Many consumers are unaware that the aggressive tactics used by debt collectors can violate their rights. Infamous methods of harassment include:

• Calling at all hours of the day, especially before 8 a.m. or after 9 p.m.
• Making threats to garnish wages or take legal action.
• They repeatedly contact you even after you’ve requested them to stop.
• Disclosing your debt information to third parties like family members, neighbors, or employers.

These tactics can cause extreme stress and anxiety, but the good news is that they’re illegal. Under the FDCPA, you have the right to demand that Sunrise Credit Services cease all forms of harassment. If they fail to comply, you may be eligible to file a claim for up to $1,000 in statutory damages and have your legal fees covered.

The Wood Law Firm specializes in helping consumers facing unlawful debt collection practices. If you are facing harassment, we’re ready to stand by your side and help you end it.

Questions to Ask Debt Collectors

When Sunrise Credit Services contacts you, it’s essential to be informed. Conversing with a debt collector without the proper information can result in making mistakes or sharing details that could complicate your situation. To protect yourself, always ask the following questions when speaking with a representative from Sunrise Credit Services:

1. Who are you? Ask for their full name and position. Under the FDCPA, you have the right to know who you’re talking to.
2. What is the name and address of your company? Confirm that the caller is a legitimate representative of Sunrise Credit Services.
3. What is the debt amount, and who is the original creditor? Get details on the specific debt they’re calling to collect and who initially issued it. You are entitled to this information under the FDCPA.
4. Can you provide a debt validation letter? This formal request requires Sunrise Credit Services to send you written proof that you owe the debt they’re trying to collect. Always request validation before making any payments.
5. Can I dispute this debt? If you believe the debt is invalid, you can dispute it. The FDCPA allows you to challenge the debt within 30 days of receiving the validation notice.

These questions protect you and ensure that the debt collector is operating within the legal limits. Keeping the conversation focused on facts reduces the risk of saying anything that could negatively impact your situation.

What Constitutes Debt Collection Harassment?

Sunrise Credit Services phone harassment can take many forms, but not all calls from a debt collector are considered harassment. Here’s what to look out for:

• Excessive calls: Debt collectors are allowed to contact you, but calling you several times a day or after you’ve asked them to stop is considered harassment.
• Threatening language: If a debt collector threatens to sue you, garnish your wages, or destroy your credit without any legal grounds, they are violating your rights.
• Discussing your debt with others: If the debt collector contacts your family, friends, neighbors, or employer and discusses your debt, this is a violation of the FDCPA.
• Failure to provide debt validation: To comply with the law, Sunrise Credit Services must provide you with written validation of your debt.

If you’ve experienced the above, it’s time to take action. Don’t let Sunrise Credit Services or any other debt collector make you feel powerless. The law is on your side, and you can stop the harassment with the help of The Wood Law Firm.

Who is Sunrise Credit Services?

Sunrise Credit Services is a third-party debt collector based in Farmingdale, New York. Over the years, they have been involved in numerous federal cases involving allegations of consumer harassment. While they operate legally as a debt collector, this doesn’t give them the right to harass you. You may be entitled to compensation if you believe that Sunrise Credit Services is crossing the line.

Here’s how you can contact them.

Sunrise Credit Services Contact Information

Address: 260 Airport Plaza Blvd., Farmingdale, NY 11735-3946

Phone: (800) 208-8565

Remember that while Sunrise Credit Services is a legitimate debt collector, it is crucial to understand your rights when dealing with them. If you feel that they are harassing you, The Wood Law Firm is ready to assist in stopping their unlawful practices.

Protect Yourself from Zombie Debts

One of the most frustrating aspects of dealing with debt collectors like Sunrise Credit Services is encountering “zombie debts.” These are debts past their statute of limitations, meaning the creditor can no longer sue you to collect them. However, some unscrupulous collectors will still attempt to get you to pay these old debts by using deceptive tactics.

Zombie debts can also be debts that have been discharged in bankruptcy, settled, or otherwise resolved. Despite this, some collectors may try reviving these debts, hoping consumers won’t know their rights.

If a debt collector contacts you about a zombie debt, it’s imperative not to fall for their tricks. For example, some collectors will offer to “settle” the debt for a small payment, or they may send you a letter offering a payment plan. Paying even a small amount can restart the statute of limitations and make the debt legally enforceable again. Don’t fall into this trap!

Other tactics include:

• Sending a new credit card: Some debt collectors will offer a new credit card to “help improve your credit score.” However, your payments on this card may go towards reviving the old debt, making it legally enforceable.
• Threatening legal action: They may threaten to sue you for the old debt. However, this is just an empty threat if the statute of limitations has passed.

Remember, if you need clarification on whether the debt collector’s actions are legal, you can always ask for written validation of the debt. And, of course, The Wood Law Firm is here to help you navigate these complicated situations.

Phone Numbers Used by Sunrise Credit Services

If you’re receiving calls from any of the following numbers, they may be from Sunrise Credit Services:

• 786-708-9235
• 256-384-1473
• 619-632-4364
• 951-335-4342
• 800-208-8565
• And many more.

These are just some of the numbers associated with Sunrise Credit Services. Even if the number calling you isn’t listed here, it may still be the same company. If you suspect they are harassing you, it’s important to take action. You have the right to stop the calls, and The Wood Law Firm is here to help.

Your Legal Options

If you’re facing ongoing Sunrise Credit Services phone harassment, you don’t have to handle it alone. At The Wood Law Firm, we protect consumers from illegal debt collection practices. We can help you:

• Stop the phone calls.
• Demand debt validation.
• Negotiate with debt collectors on your behalf.
• Pursue legal action to recover damages over the violation of your rights.

Don’t wait any longer—call us at +1 844-638-1122 for a free consultation. We’ve helped countless individuals stop harassment, and we’re happy to help you, too.

Find more information about the FDCPA here.