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Debt collectors like Viking Client Services, also known as Viking Billing Services, cannot harass you over a debt.  You have rights under the law.  We will stop the harassment once and for all.


If Viking Client Services violated the law, you will get money damages and Viking Client Services 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 Viking Client Services, Inc.?



Viking Client Services is a third-party collection agency, headquartered in Eden Prairie, MN, and started its business in 1969. According to the Better Business Bureau (“BBB”), Viking Client Services offers collection services.  According to Viking Client Services’ website, they offer a full range of recovery solutions for large, regional, and community banks, insurance companies, debt buyers and other financial institutions across the United States.    It appears that Viking Client Services collects on debts owed to third parties and collects on debts for financial institutions. Viking Client Services collects on various debts.  We’ve helped a lot of consumers deal with Viking Client Services when they are collecting on 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.

Viking Client Services, Inc. Address, Phone Number, and Contact Information

Viking Client Services is located at 7500 Office Ridge Circle, Suite 100, Eden Prairie, MN 55344-3783.  The main telephone number for Viking Client Services is 952-944-7575.  This is just one of many Viking’s contact numbers.Viking Client Services’ website is   Viking’s e-mail address is [email protected]

Phone Numbers Used By Viking Client Services

Viking likely has dozens of phone numbers it calls from.  Here are a few phone numbers Viking Client Services may be calling you from:

Viking Client Services Lawsuits

If you want to know just how unhappy consumers are with , take a look at the number of lawsuits filed against on the Public Access to Court Electronic Records (“PACER”).  PACER is the federal docket throughout the country that lists federal complaints filed against Viking.  When you do a search for , there are over 60 lawsuits filed against them.  Most of these lawsuits involve consumer rights’ violations.

Viking Client Services 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 Viking can and cannot do while collecting a debt, as well as things debt collectors must do while collecting a debt.  If Viking 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 Viking violates the TCPA.  Have you received a message from Viking that sounds pre-recorded?  Or, maybe the message you received from Viking 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 Viking Client Services.

The Electronic Fund Transfer Act (“EFTA”) protects electronic payments that are deducted from bank accounts.  If Viking Client Services took unauthorized deductions from your bank account, you may have an EFTA claim.  Viking, like most collection agencies, wants to set up reoccurring payments from consumers.  Imagine how much money Viking 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, Viking must follow certain steps to comply with the EFTA.  Did Viking continue to take electronic payments after you said stop?  Did Viking 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 Viking Client Services reported debt on a consumer’s credit report.  Viking likely reports on credit reports to obtain greater leverage over the consumer.  If Viking 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 Viking, and they delete the debt from your credit report.  Even if Viking is not on your credit report, maybe the original creditor is.  If you pay off the debt to Viking, then the original creditor, and Viking, 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 Viking Client Services is harassing you, you have tons of leverage to get a great settlement.


We will use state and federal laws to immediately stop Viking Client Services debt collection.  We will send a cease and desist letter to get the harassment to stop the same day.  If Viking 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, pays our attorney’s fees and costs.  If you have a TCPA case against Viking, we will handle it based on a contingency fee.


We have helped hundreds of consumers stop phone calls from Viking.  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, Viking pays our attorney’s fees and costs.

What If Viking Client Services Is On My Credit Report?

Based on our experience, Viking does credit report.  That means, Viking will mark your credit report with the debt they are trying to collect on.  In addition to Viking Client Services, the original creditor may be on your credit report.  For example, if you owe USAA Insurance Company, and Viking is collecting on it, both USAA and Viking 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.  


If Viking 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.


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 Viking Client Services

If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by Viking Client Services.  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.  Viking Client Services is accredited by the BBB.  The BBB gives Viking an “A” rating.  Despite its “A” rating, here are nearly 80 customer complaints on the BBB. Here are some of the many BBB complaints regarding Viking Client Services:

  1. “Got a call from them and they did not disclose anything. They are fraudulently calling me to attempt to collect on charges from a Hertz rental car.  I called Hertz and they said I did not owe a debt.”
  2. “Viking continues to call me over a debt that has already been paid by my insurance company.  Even after my insurance company contacted Viking to inform them, they continued to call and attempt to collect this debt.”
  3. “I believe that Viking was trying to scam me. I would not trust this business.”

Reviews and complaints on Pissed Consumer do not get any better for Viking Client Services. Viking has an average of 1.5 stars on Pissed Consumer.  Here’s what people on Pissed Consumer have to say about Viking:

  1. “Returned a rental car in perfect condition a few months ago. A few months later I received multiple letters from Viking Client Services attempting to collect a debt.”
  2. “I have made four calls and sent one letter to Viking Client Services and I have yet to hear any response from them.”
  3. “Viking did not behave in a serious manner regarding collection of the debt. They preferred to argue and insult and act in a belligerence manner. There is a real lack of professionalism and they are certainly not trustworthy.”

Cases We Have Handled Against Viking Client Services


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 Viking Client Services:

  1. Dave B. v. Viking Client Services.  In this case, Viking called our client on his cell phone and work telephone number.   called from 952-288-2794, which is one of Viking’s phone numbers.   left a voicemail on Dave B’s telephone for which he failed to state the name of the company as Viking Client Services.  Viking’s collector also failed to mention that he was calling to collect a debt. In this case, we alleged Viking Client Services violated the Fair Debt Collection Practices Act by neglecting to state the name of their company in Dave B’s voicemail along with the fact that they were calling in an attempt to collect a debt in violation of the Fair Debt Collection Practices Act.
  2. Paul J. Viking Client Services.  Paul lives in Washington, and Viking Client Services was attempting to collect a debt originating from Hertz rental car. Viking Client Services began sending letters to Paul in an attempt to collect on this debt that had been previously paid by our client’s auto insurance company. Paul J. wrote a letter to Viking Client Services disputing the alleged debt and also to notify Viking that he had retained legal counsel.  Despite Plaintiff’s dispute and notice of representation, Viking Client Services continued to attempt to collect on this alleged debt by sending multiple letters to Paul J violating the Fair Debt Collection Practices Act.

Here’s What Our Clients Say about Us

Agruss Law Firm, LLC, 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.“The collection calls stopped immediately and within a week my case was settled and closed. Mr. Agruss is an excellent attorney and I would recommend him to all. Thanks Mike.” “I was referred to the firm through a family friend and I immediately contacted them through their website. They got back to me in 24 hours just like they said they would.”“I am very happy and satisfied with ALF’s promptness and proactive approach in handling my case for the last few weeks.”

Can Viking Client Services Sue You?

Although anyone can sue anyone for any reason, we have never seen Viking Client Services sue consumers.  It’s likely Viking does not sue because they do not always own the debt they are collecting on.  Also, Viking would have to hire a lawyer, or use in-house counsel, to file a lawsuit.  It’s likely Viking Client Services 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 Viking Client Services.  Therefore, it would be very unusual if Viking sued you.  The original creditor, on the other hand, may hire a collection firm, or lawyer, to sue you.  If Viking Client Services has threatened to sue you, call us.  We can help. 

Can Viking Client Services Garnish Your Wages?

No, not unless they have a judgment.  If Viking Client Services has not sued you, then Viking cannot get a judgment.  If Viking Client Services does not have a judgment, then Viking 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 Viking Client Services file a lawsuit against a consumer.  So, Viking cannot garnish your wages, minus the exceptions listed above.  If Viking has threatened to garnish your wages, contact our office right away.     

Viking Client Services Settlement

If you want to settle a debt with Viking Client 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 Viking Client 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 get something in writing from Viking Client Services 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 its harassment, settlement, pay for delete, or any other legal issue with Viking Client Services, the folks at Agruss Law Firm are here to help you.

Share Your Complaints about Viking Client Services Below

Post your complaints about Viking Client Services.  Sharing your complaints about Viking will help other consumers know what to do when Viking starts calling. Sharing your experience may help someone else.


If you are being harassed by Viking Client Services 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.

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