Stop Central Credit Services Debt Harassment

Debt collectors like Central Credit Services cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all. Have you been dealing with what seems to be endless phone calls and harassment from Central Credit Services? Learning about Central Credit Services and what you can do about the harassment are the first steps toward easing your stress.

Receiving multiple calls from unknown numbers can be one of the most stressful experiences life has to offer. Research seems like an effective course of action, but when you discover that you are receiving calls from Central Credit Services, you may begin to panic. Do not feel like you are alone when you are dealing with Central Credit Services, as many other people have dealt with this agency. Even though this problem may seem complex, there are effective solutions that will get your life back to normal.


If Central Credit Services violated the law, you will get money damages and CCS will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is Central Credit Services?



Central Credit Services is a debt-collection agency based in Jacksonville, Florida.  Central Credit Services was started in 1987 and was originally known as Integrity Solution Services, Inc. It is a subsidiary of “Radius Global Solutions.” Although Central Credit Services has been accredited with the Better Business Bureau since 1988, it has received 160 formal complaints via the BBB in the past three years, almost all of which are for billing/collection problems.Consumers allege calls from unrecognizable phone numbers, harassing consumers with no outstanding debt, not providing receipts for transactions, and reporting false debt on consumers’ credit reports.  Central Credit Services mainly collects on auto, credit card, mortgage, commercial, and retail debt. 

Central Credit Services’ Address, Phone Number, and Contact Information

Central Credit Services is located at 9550 Regency Square Boulevard, Suite 500, Jacksonville, FL 32225-8169, but they do have additional locations in Missouri, Florida, and Pennsylvania. The main telephone number is 844-329-0973. CCS’s website is

Phone Numbers Used by Central Credit Services

Central Credit Services likely has dozens, if not over 100, phone numbers it calls from.  Here are a few phone numbers Central Credit Services may be calling you from:

Central Credit Services Lawsuits

If you want to know just how unhappy consumers are with Central Credit Services, take a look at the number of lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER is the U.S.’s federal docket which lists federal complaints filed against a wide range of companies. A search for Central Credit Services, LLC will display over 60 lawsuits filed against the agency, seven of which originated here in Illinois. Most of these lawsuits involve violations of consumers’ rights and/or the Fair Debt Collection Practices Act (FDCPA).

Central Credit Services Complaints

The Fair Debt Collection Practices Act (FDCPA) is a federal law which applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If Central Credit Services is harassing you over a debt, you have rights under the FDCPA.

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if Central Credit Services violates the TCPA. Have you received a message that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.

The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If Central Credit Services took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. This agency, like most collection agencies, wants to set up reoccurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 - $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did Central Credit Services continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to?  If so, we can discuss your rights and potential case under the EFTA.

The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If Central Credit Services is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.

Several states also have laws to provide its citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above.  North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC, and you’re harassed over a debt, you may receive $500 - $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop Central Credit Services’ debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Central Credit Services violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys’ fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.


We have helped hundreds of consumers stop phone calls from Central Credit Services, and we know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorneys’ fees and costs.

What if Central Credit Services is on my Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.


If Central Credit Services is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.


If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

Complaints against Central Credit Services

If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by Central Credit Services. Below are some complaints from the Better Business Bureau (“BBB”) and various consumer websites.Here are some of the many BBB reviews and complaints against Central Credit Services:

  1. “I received a notification from my fraud monitoring services that they detected fraud on my credit report. I reviewed the alert and noticed an account was opened today by Central Credit Services. I have never conducted business with this company nor have I received any correspondence or phone calls from them.”
  2. “I paid in March with a check like I did all other months and they claim that the payment didn't clear. According to my bank statement it did clear. They asked me for a copy of my bank statement and the 75.00 is still not credited to my account. I want either my 75.00 back or I want it credited to my... account. I also asked they stop all future payments and now I'm worried that they didn't because I don't have proof that they canceled my future my future payments so I need them to send proof that they will no longer autopay from my account anymore.”
  3. “Central Credit Services LLC is coming after us for $324.51 for a repair that we had done on a leased, 2013 Toyota Prius prior to turning it in. They did not repair the car, we did. We turned the car in fully repaired, on time, with all the necessary equipment and paid our disposition fee. The car...was turned in April of 2016. Central Credit Services came after us in February of 2017 for this. I have been trying to settle this with Central Credit Services since receiving this collection. I have supporting documentation…and payment by my insurance company proving the repairs were done prior to turning the vehicle in to Toyota. It is now harassment from this company. We would win a suit in a court house. We have all the necessary paperwork proving we did what we should have.”

Cases We’ve Handled against Central Credit Services


Threats and harassment from collection agencies can be pretty intimidating. However, we can stop the harassment and get you money damages under the law, and the collection agency will pay your attorneys’ fees and costs. Here are some of the cases we’ve handled against Central Credit Services:

  1. David M. v. Central Credit Services – In April 2015, David of Dane County, Wisconsin, filed a claim against Central Credit Services for violations of the Fair Debt Collection Practices Act (FDCPA). Complaints centered around harassing phone calls to attempt to collect debt, including: calls before 8 a.m.; calls to the plaintiff’s workplace while CCS knew, or had reason to know, that the plaintiff’s employer prohibits such communications; and engaging in other “harassing, oppressive, or abusive” conduct when attempting to collect debt.
  2. Michelle G. v. Central Credit Services – In December 2015, Michelle of Chippewa County, Minnesota, filed a claim against Central Credit Services for violations of the Fair Debt Collection Practices Act (FDCPA). Complaints centered around harassing phone calls to attempt to collect debt, including after CCS was told to stop calling by the plaintiff and was sent a cease-and-desist letter from the plaintiff’s attorney, as well as “harassing oppressive, or abusive” conduct when attempting to collect debt.
  3. Steve C. v. Central Credit Services – In June 2017, Steve of Jackson County, Michigan, filed a claim against Central Credit Services for violations of the Fair Debt Collection Practices Act (FDCPA) and Michigan Occupational Code. Complaints centered around harassing phone calls to attempt to collect debt, including after the plaintiff instructed CCS to stop calling, and “harassing, oppressive, or abusive” conduct when attempting to collect debt.

Here’s What Our Clients Say about Us

Agruss Law Firm has over 900 outstanding client reviews through Yotpo, an A+ BBB rating, and over 120 five-star reviews on Google. Here’s what some of our clients have to say about us:

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Agruss Law Firm was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”

“Agruss Law Firm was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! Even settled it so I was paid back for the problems they caused!”

Can Central Credit Services Sue Me?

Although anyone can sue anyone for any reason, we have not seen Central Credit Services sue consumers, and it’s likely that the agency does not sue because they don’t always own the debt they are attempting to collect, and would also need to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If Central Credit Services has threatened to sue you, contact Agruss Law Firm as soon as possible.

Can Central Credit Services Garnish My Wages?

No, unless they have a judgment. If Central Credit Services has not sued you, then the agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen this agency file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If Central Credit Services has threatened to garnish your wages, contact our office right away.

Central Credit Services Settlement

If you want to settle a debt with Central Credit Services, ask yourself these questions first:

  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will Central Credit Services remove it from my credit report?
  5. If I pay this debt, will the original creditor remove it from my credit report?
  6. If I pay this debt, will I receive confirmation in writing from Central Credit Services for the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with Central Credit Services, we at Agruss Law Firm are here to help you.

Share your Complaints Against Central Credit Services

We encourage you to post your complaints about Central Credit Services. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!


If you are being harassed by Central Credit Services over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 - $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt-collector pays your attorneys’ fees and costs. You won’t owe us a dime for our services. We’ve settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all.

When you have to deal with Central Credit Services, the best way to deal with your problem is to hire the skills of an experienced attorney. While you must accept the fact that if you have a debt with Central Credit Services, there is no reason to add additional stress to your life. When you have an experienced attorney working with you, ensures that you are informed of your rights. An attorney can also provide an effective means of dealing with your problem so you can get your life back on track.

Phone Numbers Used By Central Credit Services

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Submitted Comments

I have a letter from you about a past due bill but Century link says I do not owe them anything. You sent me a letter saying I owe 106.99 and century link said this was an error and you should call them to resolve it!

i am getting calls at my job regarding a citizens bank account from this number 904-562-6655 and there rude. if i loose my job over this i will sue!

I keep getting calls from a debt collector for a debt from 2006 that is past the SOL in california. They have been calling my phone and my moms house several times everyday. I was just wondering how to get them to stop. it is a private student loan and I was told private loans fall under your states SOL!

They have called me 56 times. Yes I have counted. Today is the first time have gotten any information our of them. I did get her to admit who they were. She kept asking who I worked for. I told her am not giving any info out over the phone. I was told would get a letter in the mail two weeks ago and am waiting on that. Then asked her where she was calling from and she said Jamaica. That they have offices there also. That is when I hung up. Not before she pressured me into trying to get a payment over the phone. Told her no means to do that.

I'm trying to find information about central credit services as my student loans from sallie Mae were apparently sold to them even after religiously making my payments. Is this something you can help me with? Finding an accurate site is proving to be very difficult Long story short, I had an arrangement with sallie Mae to pay a certain amount monthly. Now that, too my surprise, I'm dealing with ccs who are now telling me my previous payments are not acceptable to them and am being told I need to give them am initial $5000.00 payment before they will even discuss a payment plan. Not only is this not a possibility for me at the moment, but can they make such outrageous demands!

Just got a call from CFCs 904 number twice in 5 min. Central credit svcs. I have no debt but they insisted on discussing a personal matter but I refused!

well they keep calling and harassing my husband, they keep calling nonstop and hes asked them to not call him while hes on the job and they continue and they just started calling me and harassed me about how i manage oru fincaces and that we should have no problem paying them and doing with out. they always call, they leave messages with out saying who they are and they call nonstop, and they have been rude and they threatned wage garnishments and i told them we could the incomebased repayment and they didnt want to do any of that!

I keep getting calls form Central Credit Services for a debt that is not mine. They will call several times a week and will call 2 minutes apart and leave a message. Never have gotten any mail from them. I have the logs for the phone calls for the last several months and the last 2 phone message on my phone. I have talked to them and told them they have the wrong person. Doesn't do any good!

I received a letter from Central Credit Services for a special tax season offer to clear up my debt but I looked on my credit report and they aren't listed as the company for that particular debt. Should I pay them!

I received a debt collection letter from Central Credit Services LLC for a debt which I do not owe. I see on your web site that you have dealt with this in the past. They claim an unpaid debt to CenturyLink for an account which was closed last August. The final payment was made in August. The account was on autopay, so any amounts due were automatically paid. I have received no statement or communication from CenturyLink that anything is owed. Hard to predict that. I will give your offices a call when I can, probably during the day on Thursday. What is the best number to use? Thanks for you help, I think a voice conversation would probably be more effective. I will call!

They placed a garnishment on my check without notifying me. They also called my husband and in laws and told them all my personal debt information and threatened them. They said it was a student loan and asked if I get tax refunds and told them the amount and my personal information. He also told them about the garnishment and the amount they are taking. Is this legal???

leave a message on phone and yes i have a letter from them- they do call and sometimes don't answer or an ansering service starts and says its Central CreditServices-

Central Credit Services have called my job and left a voicemail for my boss giving him the claim number they have for me and other details. I have told them before not to contact my place of employment but the voicemail was just left today (4/17/2017). The debt is for $258 and I have told them that I cannot pay anything right now. They are also trying to add an additional $200 for a locators fee. Is there anything that I can do about this. I know that it is a small amount to pay, but I just cannot afford it.

Agency called my number, didn't verify my information or read the mini miranda and gave out all my info. Also left me multiple messages in one day.

The phone number listed is my cell , which this company has been calling (not authorized to do so). They also call my home number. The calls began about a week ago, and come in about every 1/2 hour to 45 minutes; they're relentless. The first time she called and I did actually speak with her, she wouldn't give me any information about what the complaint was, said I should know, and told me that if I didn't pay $xxx dollars by that evening, I was going to be arrested and sued. I told her I wanted proof of what she was talking about, in writing, and that I wasn't going to give her any money. She was extremely rude and belligerent, would not let me talk, so I hung up on her. The next time she called, she didn't leave her company name on the message, but she did leave a "case number", and said she was calling because 2 complaints had been filed against me; same story she told me before. I have blocked the 2 numbers she's used so far, but I imagine she'll continue trying using other numbers. They are rude, harassing and completely unreasonable to talk to. At this point, I still don't know what the "2 complaints" are. Laurie

Please contact me. CCS continues to call my place of work after I have repeatedly told them not to do so, they've also called coworkers

I had a wage garnishment for $517 from this company and never was taken to court or anything