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Debt collectors like Sunrise Credit Services, Inc., cannot harass you over a debt.  You have rights under the law. We will stop the harassment once and for all.

THE BEST PART IS…
If Sunrise Credit Services, Inc. violated the law, you will get money damages and , Inc. will pay our fees and costs.  You will not pay us a penny for our time.  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 Sunrise Credit Services, Inc.?

 

 

Sunrise Credit Services, Inc. is a third-party collection agency, headquartered in Farmingdale, New York in a 40,000 square-foot facility, and started its business in October 1974.  Sunrise Credit Services, Inc. has been incorporated in New York since 1975.  Sunrise Credit Services, Inc. claims to offer a wide range of credit & accounts receivables management services to credit grantors from coast to coast and employs over 500 representatives and staff.  Sunrise Credit Services, Inc. is an entity under the umbrella of The Sunrise Family of Companies along with NetTel USA, Inc. and Sunrise Capital Management.

According to the Better Business Bureau (“BBB”), Sunrise Credit Services, Inc. is categorized as a corporation and a collection agency.  The BBB lists Ms. Diane Doane Plowman as Sunrise Credit Services, Inc.’s executive vice president. It appears that Sunrise Capital Management, an entity related to Sunrise Credit Services, Inc. collects on debts that it purchases.  Therefore, in some situations, Sunrise Credit Services, Inc.  may be collecting on junk-debt purchased by Sunrise Capital Management.  For example, some collection agencies buy debt for pennies on the dollar, and then collect on it—or have on of their related entities do it.  Sunrise Credit Services, Inc. collects on various debts.  We’ve helped a lot of consumers deal with Sunrise Credit Services, Inc. when Sunrise Credit Services, Inc. is collecting on payday loans; debt owed to major financial institutions, such as credit cards, installment loans, auto loans; retail store credit cards; student loans; insurance claims; and healthcare debt.  Sunrise Credit Services, Inc. uses the slogan on its website, “Behold the turtle!  He only makes progress when he sticks his neck out.”  This is a quote attributed to James Bryant Conant, a chemist and educational administrator.

Sunrise Credit Services, Inc., Address, Phone Number, and Contact Information
Sunrise Credit Services, Inc. is located at 260 Airport Plaza, Farmingdale, NY 11735.  The main telephone numbers for , Inc. are 800-208-8565 and 800-645-9824.  These are just two of many , Inc.’s contact numbers., Inc.’s website is https://www.sunrisecreditservices.com  , Inc.  has several e-mail addresses too, including [email protected] and [email protected].  , Inc. lists one of its main fax numbers as 631-501-8535.

Phone Numbers Used By Sunrise Credit Services, Inc.
Sunrise Credit Services, Inc. likely has dozens, if not over 100, phone numbers it calls from.  Here are a few phone numbers SUNRISE CREDIT SERVICES, INC. may be calling you from:

Sunrise Credit Services, Inc. Lawsuits
If you want to know just how unhappy consumers are with Sunrise Credit Services, Inc., take a look at the number of lawsuits filed against Sunrise Credit Services, Inc. on the Public Access to Court Electronic Records (“PACER”).  PACER is the federal docket throughout the country that lists federal complaints filed against Sunrise Credit Services, Inc.  When you do a search for Sunrise Credit Services, Inc., there are 180 lawsuits filed against , Inc.  Most of these lawsuits involve consumer rights’ violations.

Sunrise Credit Services, Inc. Harassment
The Fair Debt Collection Practices Act (“FDCPA”) is a federal law that applies to everyone in the United States.  In other words, everyone is protected under the FDCPA.  The FDCPA is a laundry list of what SUNRISE CREDIT SERVICES, INC. can and cannot do while collecting a debt, as well as things debt collectors must do while collecting a debt.  If Sunrise Credit Services, Inc. is harassing you over a debt, you have rights under the Fair Debt Collection Practices Act.

The Telephone Consumer Protection Act (“TCPA”) protects you from robocalls.  Robocalls are those annoying, automated, recorded calls that a computer makes to you all day long.  You can tell it’s a robocall because either no one is on the other end of the line or there’s a delay when you pick up the phone before a live person comes on the line.  You can get $500 per call if , Inc. violates the TCPA.  Have you received a message from , Inc. that sounds pre-recorded?  Or, maybe the message you received from , Inc.  is cutoff at the beginning or the end?  These are tell-tale signs that the message is pre-recorded.  If you have these messages on your cell phone, you may have a TCPA case against , Inc.

The Electronic Fund Transfer Act (“EFTA”) protects electronic payments that are deducted from bank accounts.  If Sunrise Credit Services, Inc. took unauthorized deductions from your bank account, you may have an EFTA claim.  SUNRISE CREDIT SERVICES, INC., like most collection agencies, wants to set up reoccurring payments from consumers.  Imagine how much money SUNRISE CREDIT SERVICES, INC. gets if hundreds, if not thousands, of consumers electronically pay them $50-$100, or more, per month.  If you agreed to this type of reoccurring payment, SUNRISE CREDIT SERVICES, INC. must follow certain steps to comply with the EFTA.  Did SUNRISE CREDIT SERVICES, INC. continue to take electronic payments after you said stop? Did SUNRISE CREDIT SERVICES, INC. take more money from your checking account than you agreed to?  If so, let’s talk about your rights 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 handled a lot of cases recently where Sunrise Credit Services, Inc. reported debt on a consumer’s credit report.  SUNRISE CREDIT SERVICES, INC. likely reports on credit reports to obtain greater leverage over the consumer.  If SUNRISE CREDIT SERVICES, INC. is on your credit report, they may tell you if you pay the debt, they’ll remove it from your credit report.  This is commonly known as pay for delete.  You pay SUNRISE CREDIT SERVICES, INC., and they delete the debt from your credit report.  Even if SUNRISE CREDIT SERVICES, INC. is not on your credit report, maybe the original creditor is.  If you pay off the debt to SUNRISE CREDIT SERVICES, INC., then the original creditor, and SUNRISE CREDIT SERVICES, INC., should accurately report this on your credit report.  

Several states also have laws that provide its citizens an additional layer of protection.  For example, if you live in California, Texas, Florida, North Carolina, Wisconsin, Michigan, Montana, or Pennsylvania you may be able to tack on a state-law claim with 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 get $500.00 – $4,000.00 in damages per violation.  We work with a local counsel in NC.  Our NC clients have received some great results in debt collection harassment cases.  If you live in NC, and , Inc. is harassing you, you have tons of leverage to get a great settlement.

HOW CAN WE USE THE LAW TO HELP YOU?
We will use state and federal laws to immediately stop Sunrise Credit Services, Inc. debt collection.  We will send a cease and desist letter to get the harassment to stop the same day.  If SUNRISE CREDIT SERVICES, INC. violates the FDCPA, EFTA, FCRA, or any state laws, you may be entitled to money damages.  For example, under the FDCPA, you can get up $1,000.00 in damages plus actual damages.  The FDCPA has a fee-shift provision.  This means, SUNRISE CREDIT SERVICES, INC. pays our attorney’s fees and costs.  If you have a TCPA case against SUNRISE CREDIT SERVICES, INC., we will handle it based on a contingency fee.

THAT’S NOT ALL…
We have helped hundreds of consumers stop phone calls from SUNRISE CREDIT SERVICES, INC.  We know how to stop the harassment and get you money damages.  ONCE AGAIN, you will not pay us a penny for our time.  We will help you based on a fee-shift provision and/or based on a contingency fee. That means, SUNRISE CREDIT SERVICES, INC. pays our attorney’s fees and costs.

What If Sunrise Credit Services, Inc. Is On My Credit Report?
Based on our experience, SUNRISE CREDIT SERVICES, INC. does credit report.  That means, SUNRISE CREDIT SERVICES, INC. will mark your credit report with the debt they are trying to collect on.  In addition to , Inc., the original creditor may be on your credit report.  For example, if you owe Chase, and SUNRISE CREDIT SERVICES, INC. is collecting on it, both Chase and SUNRISE CREDIT SERVICES, INC. may have separate entries on your credit report.  This is important because you will want both parties to update your credit report if you pay off the debt.  

THE GOOD NEWS IS…
If SUNRISE CREDIT SERVICES, INC. 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 maybe you were a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute them.  My office will help you pull your credit report and dispute any inaccurate information.

REMEMBER…
If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (“FCRA”), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error.  The FCRA also has a fee-shift provision.  This means, the credit reporting agency pays your attorney’s fees and costs.  Therefore, you will not pay me a penny for my time.  We have helped dozens of consumers fix inaccurate information on their credit reports.

Complaints against Sunrise Credit Services, Inc.
If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by , Inc.  The complaints on the Better Business Bureau (“BBB”), various consumer websites, including on Pissed Consumer, and even the complaints on this page (below) are endless.  SUNRISE CREDIT SERVICES, INC. is accredited by the BBB.  The BBB gives SUNRISE CREDIT SERVICES, INC. an “A” rating.  Despite its “A” rating, here are at least 108 customer complaints and several negative reviews on the BBB. Here are some of the many BBB negative reviews regarding , Inc.:

  1. “I received a collection letter for my mother that passed away on February **, 2017. This company was representing **************** for the amount of $156.07. My mother was a long time ******* customer. Less than a week after her death I went to **************** in *********** ** and turned in my mother’s equipment and notified them of her death. I also notified them that I would settle her account after meeting with the Clerk of the Court regarding her estate. My mother has not even been gone 3 months, just finished running the ad in the paper per Clerk to notify creditors. I then get a collection letter stating their client (Charter) has asked this debt to be reported to my mother’s personal credit report with a national credit bureau. How disconnected is this??? To send a letter saying they were reporting something on a deceased customer. Even though I was not legally responsible to pay this until the estate is settled, I did WITH MY PERSONAL MONEY. The rep from Sunrise Credit Service did not even verbally “flinch” when I told her my mother was dead. I hope Karma finds these people. You can do your job in a professional manner. Not everyone is trying to get out of paying a bill..some people die unexpectedly and others have to try to take care of things based on ESTATE PROCEDURES.” 
  2. “Christina W******* continues to call me every day looking for another person, before 9:00 am . when I tell her this isnt that persons phone number she continues to keep harassing me and hanging up on me .”
  3. “This company will not stop calling me numerous times a day. I have already spoken with multiple people telling them to stop calling me, and they said “ok” and then hang up on me. Yet, they called me AGAIN this morning. They are so rude! Also, they keep threatening me that if I don’t pay them now they are going to put it on my credit report even though I have been paying it every month. They are a terrible business and they need to be put out of business!”
Reviews of Sunrise Credit Services, Inc. on Google are just as bad.  There are 131 reviews of SUNRISE CREDIT SERVICES, INC. with a dismal average of 1.6 stars out of 5.  Here’s a snippet of the reviews on Google:

  1. “The first phone call I received from this place was from a woman named Lori Lewis. She started out nice enough but as I tried to explain my situation and how much I could do a month; well, lets just say, that is when the obnoxiousness ensued. She kept interrupting me, raised her voice at me, did not like the monthly payment I said I could pay, etc.” 
  2. “Keep calling from different numbers even after telling them I don’t know or owe them a dime! Rude people who are so robotic…is this….is this…is this….YOU dialed me…tell me who you are…name and location.  Calling me using a local number when supposedly you’re only located in NY…. SCAMMER!”
  3. “They deserve no stars. I don’t even know why they are calling me. They will not tell me. They harass me call me from tons of different numbers even late at night. They are always rude. I’m a strong believer in not giving personal information out over the phone because you don’t know who your really talking to. The first thing they always ask for is my ssn. I’m not giving that out to no one.”
Cases We Have Handled Against Sunrise Credit Services, Inc.
I THINK YOU’LL AGREE WITH ME WHEN I SAY…
Threats and harassment by collection agencies can be pretty intimidating.  Well, it turns out we can stop the harassment, attempt to get you money damages under the law, and the collection agency will have to pay us our fees and costs.  Here are some of the cases we’ve handled against SUNRISE CREDIT SERVICES, INC.:

  1. Autumn v. Sunrise Credit Services, Inc.  Autumn lived in Indiana.  In this case, SUNRISE CREDIT SERVICES, INC. called our client on her cell phone.  SUNRISE CREDIT SERVICES, INC. called from 800-208-8565, which is one of SUNRISE CREDIT SERVICES, INC.’s phone numbers. One of , Inc.’s collectors, Julianne Delgardo, threatened and coerced Autumn into a entered into a monthly payment plan with SUNRISE CREDIT SERVICES, INC. where she paid $75.84 per month—a debt that Autumn did not even owe.  SUNRISE CREDIT SERVICES, INC. automatically deducted these payments from our client’s checking account.  Autumn was coerced and threatened into this payment plan after being bombarded with harassing collection calls up to six (6) times per day and even before and after the times of day a debt collector is allowed to call the consumer by law.  , Inc.’s collectors made outrageous threats to Autumn, such as suing Autumn’s employer.  In this case, we alleged SUNRISE CREDIT SERVICES, INC. violated the Fair Debt Collection Practices Act and the Electronic Fund Transfer Act.
  2. Rasheedah v. Sunrise Credit Services, Inc.  Rasheedah lived in Connecticut, and SUNRISE CREDIT SERVICES, INC. was attempting to collect on an alleged cell phone debt.  SUNRISE CREDIT SERVICES, INC. called our client on her cell phone.  SUNRISE CREDIT SERVICES, INC. called from 516-666-8146, which is one of SUNRISE CREDIT SERVICES, INC.’s phone numbers.  Our client told SUNRISE CREDIT SERVICES, INC. to stop calling her on her cell phone on several occasions.  Despite Plaintiff’s request that the calls stop, SUNRISE CREDIT SERVICES, INC. continued to relentlessly call our client.  We alleged that SUNRISE CREDIT SERVICES, INC. violated multiple sections of the Fair Debt Collection Practices Act.
  3. Reggie v. Sunrise Credit Services, Inc.  Our client lived in California.  Not only was he protected by the Fair Debt Collection Practices Act, but he was also protected by the state of California Rosenthal Fair Debt Collection Practices Act.  Here, SUNRISE CREDIT SERVICES, INC. was attempting to collect on a debt allegedly owed for a cell phone account. , Inc. was calling Reggie from 866-743-2437 and 951-846-7392, which are both telephone numbers belonging to , Inc.  In this case, our client alleged , Inc. violated the Fair Debt Collection Practices Act (“FDCPA”) and the Rosenthal Fair Debt Collection Practices Act (“RFDCPA) for a multitude of violations, including for its collectors failing to disclose which collection company they are calling from, by attempting to coerce Reggie into making an immediate payment, calling Reggie after he asked that the collectors stop calling him, continuing to call Reggie even after he told the collectors that he was represented by an attorney, and even threatened to ruin Reggie’s credit.  In addition to the FDCPA and RFDCPA, Reggie also alleged that , Inc. was robocalling him in violation of the TCPA.
Here’s What Our Clients Say About Us
Agruss Law Firm, LLC, has over 1050 outstanding client reviews through Yotpo, an A+ BBB rating, and over 155 five-star reviews on Google. Here’s what some of our clients have to say about us.

“Thank you so much Agruss Law Firm for the tremendous service you provided to me. I had no kind of money to pay any lawyers but Agruss had a policy that they only get paid if the case is successful. Because of the several good reviews I read about Agruss, I decided to give it a try. I was a bit leery at first because it seemed so good to be true but the assistance they provided was very attentive. Someone is always in touch with you and keeps you informed about the process and the status of each action. It was a lengthy process but it was worth the wait. My hope is that the collection agencies and their representatives will no longer treat us in a disrespectful manner. I try my best to pay my medical debts and I cannot accept any mistreatment or disrespect from any collection agents. I am satisfied with the assistance from Agruss. I highly recommend Agruss Law Firm for any legal assistance in dealing with collection agencies.” 

“I am very pleased with the legal services of the Agruss law firm. Being a lawyer myself, I was probably not a trouble free client. Even so, Michael provided first class service. Without fail he was responsive to my questions and requests. Most importantly, he was successful in the claim he filed against a debt collection firm that had overstepped its bounds. The debt in question arose out of identity theft and fraud. My attempts to protect myself were futile. Michael entered the scene, and in short order obtained a cash settlement, an outcome that hadn’t even occurred to me. Thank you Michael!”

“I contacted the Agruss Law Firm to assist me in a consumer collections problem I was having.  Initially I was very skeptical and thought i’d end up paying out more money for unsure results.  I was absolutely amazed that the Agruss  firm never asked me for any $$ and only after a few emails and phone conversations they were able to recover all my money I had paid out but then they also recovered extra money for damages and all legal fees. The whole process didn’t cost me anything, was pretty painless for me and I was able to deposit all my money back into my account plus the extra for damages.  The Agruss Firm certainly surpassed my expectations and was the first pleasant experience I had which involved an attorney.  I’ve put their contact info in my phone and plan to use them for any future issues I or my family and friends might ever have.”

Can Sunrise Credit Services, Inc. Sue You?
Although anyone can sue anyone for any reason, we have never seen SUNRISE CREDIT SERVICES, INC. sue consumers.  It’s likely SUNRISE CREDIT SERVICES, INC. does not sue because they do not always own the debt they are collecting on.  Also, SUNRISE CREDIT SERVICES, INC. would have to hire a lawyer, or use in-house counsel, to file a lawsuit.  It’s likely SUNRISE CREDIT SERVICES, INC. collects debts through the entire country.  Therefore, it would be very difficult to have lawyers, or a law firm, licensed in every state.  There are collection agencies that do sue consumers.  For example, Midland Credit Management is one of the largest junk-debt buyers.  Midland Credit Management collects on debt and also sues on debt.  The opposite is true with SUNRISE CREDIT SERVICES, INC. Therefore, it would be very unusual if SUNRISE CREDIT SERVICES, INC. sued you.  The original creditor, on the other hand, may hire a collection firm, or lawyer, to sue you.  If SUNRISE CREDIT SERVICES, INC. has threatened to sue you, call us.  We can help.

Can Sunrise Credit Services, Inc. Garnish Your Wages?
No, not unless they have a judgment.  If SUNRISE CREDIT SERVICES, INC. has not sued you, then SUNRISE CREDIT SERVICES, INC. cannot get a judgment.  If SUNRISE CREDIT SERVICES, INC. does not have a judgment, then SUNRISE CREDIT SERVICES, INC. cannot garnish your wages.  Minus limited situations (usually dealing with debts owed to the government for student loans, taxes, etc.), in order to garnish someone’s wages, you need a judgment first.  In short, we have not seen SUNRISE CREDIT SERVICES, INC. file a lawsuit against a consumer.  So, SUNRISE CREDIT SERVICES, INC. cannot garnish your wages, minus the exceptions listed above.  If SUNRISE CREDIT SERVICES, INC. has threatened to garnish your wages, contact our office right away.     

Sunrise Credit Services, Inc. Settlement
If you want to settle a debt with SUNRISE CREDIT SERVICES, INC., 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 SUNRISE CREDIT SERVICES, INC. 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 get something in writing from SUNRISE CREDIT SERVICES, INC. confirming 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 SUNRISE CREDIT SERVICES, INC. the folks at Agruss Law Firm are here to help you.

Share Your Complaints About Sunrise Credit Services, Inc. Below
Post your complaints about Sunrise Credit Services, Inc.  Sharing your complaints about SUNRISE CREDIT SERVICES, INC. will help other consumers know what to do when SUNRISE CREDIT SERVICES, INC. starts calling. Sharing your experience may help someone else.

HERE’S THE DEAL!
If you are being harassed by , Inc. over a debt, you may be entitled to money damages. Get up to $1,000 for harassment, and $500-$1,500 for illegal robocalls.  Under various state and federal laws, we will help you based on a fee-shift provision and/or based on a contingency fee.  That means, the collector pays your attorney’s fees and costs.  You won’t pay us a penny.  We have settled thousands of debt collection harassment cases.  Let us help you today.  Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all.

Phone Numbers Used By Sunrise Credit Services

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