How to Stop State Collection Service Inc Debt Collectors From Harassing You

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How to Stop State Collection Service Inc Debt Collectors From Harassing You

is a third-party debt collection agency formed in 1949 by Hilding Haag. It has its headquarters in Wisconsin. The agency has grown and opened other branches in Beloit, WI; Milwaukee, WI; and Chicago, IL. It is a family-owned business, and over the last six decades, the company has grown to have 700 employees in all its branches. They have a reputation for reliability and integrity in the accounts receivable industry. Additionally, the company has been the leading innovator in the industry and has received government recognition for its impeccable customer services and high-quality assurance. The company is authorized to collect debt in the fifty states of the U.S.

However, the company has been alleged of disrespecting the Fair Debt Collection Practices Act (FDCPA), including misconduct and sharing of debt information. For the past three years, the Better Business Bureau (BBB) has cumulatively received 71 complaints, with 33 complaints closed in the last 12 months. You might have , and you feel that they violated your FDCPA rights and wonder how you will file a complaint at BBB against them? Fortunately, DoNotPay comes to your rescue as it will help you hold them answerable for their deeds in a fast and less frustrating way.

What Is FDCPA in Debt Collection?

The FDCPA is a federal act passed in 1968 to prevent debt collection agencies from using unfair debt collection methods. The Act outlines all the rules that debt collectors should comply with their daily errands of collecting debt from a consumer. It eliminates all abusive, deceptive, and unfair debt collection practices. The Act also protects reputable debt collection agencies such as SCSI from unfair competition from related firms.

The FDCPA covers debts you incur for personal, family, and household purposes. FDCPA does not deal with the collection of corporate debt or debt owed for business purposes. According to the FDCPA, a debt collector is any person who collects consumer debts on behalf of another person. Some examples of debts that are covered under the FDCPA include:

  1. Mortgage
  2. Auto loans
  3. Student loans
  4. Medical loans

FDCPA Regulations/Violations in Debt Collection

To protect you from fraudulent debt collectors, FDCPA has established a series of regulations that debt collectors have to adhere to while collecting debt from you:

  1. Harassing or Abusive Practices
  2. False or Misleading Representations
  3. Unfair Practices

FDCPA Regulation Against Unfair Practices

Debt collectors are prohibited from using unfair means while collecting debt from you. They are not supposed to:

  • To collect interest fees unless the law permits them.
  • To use a postcard when contacting you to pay your debt
  • To deposit a postdated cheque or any other payment means aimed at threatening you to pay
  • To cause any communication charges such as telegram or even telephone calls

FDCPA Regulation Against False or Misleading Representations

Debt collectors cannot use deceptive representation to lure you into paying your debt. Some false misinterpretations include:

  • Pretending to be affiliated to any state and use a badge or uniform to make you believe
  • A false representation of the legal status of a debt

FCPA Regulation Against Harassing or Abusive Practices

Debt collectors are not supposed to abuse you when collecting debt from you. Specifically, debt collectors are not supposed to:

  • To use any criminal means to harm you or your property
  • Publish your name on the list of consumers who have not paid their debt
  • Make any telephone call to you without identifying themselves
  • Annoy you by continuously calling you via their telephone

Is State Collection Service INC Legitimate Debt Collection Agency?

They are a legit agency. It is one of the established agencies in the debt collection industry. According to Better Business Bureau, the agency was incorporated locally in 1949 and estimated its annual revenue at $500,000.

Here is their contact information:

CompanyState Collection Service Inc (
Mailing Address2509 South Stoughton Road | Madison, WI 53716
Phone Number800-477-7474 / 877-677-4862.
Email or Contact Form

What Are Your FDCPA Rights When Dealing with SCSI Debt Collectors?

Even if you owe your original debtor, you have your rights when dealing with debt collectors, which include:

  • They should not call you during unusual hours or places
  • Your request to stop contacting you must be respected
  • You are supposed to get a debt validation letter from them within the first five days of contacting you.
  • You can communicate with your attorney at your convenience

While you might successfully stop SCSI debt collectors from using DIY methods, the follow-up process might be time-consuming and exhausting. DoNotPay has your problem solved easily and less frustratingly.

How to Stop SCSI Using DoNotPay

Here's how it works:

  1. Search “debt collection” on DoNotPay.

  2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

  3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to the CFPB.

And that’s it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We’ll deliver your request directly to the debt collectors via first-class mail, or file your complaint automatically with the CFPB so that they’re no longer able to use unfair debt collection practices.

You can also check out our other credit products, including Credit Limit Increase and Clean Credit Report!

Why Use DoNotPay to Stop State Collection Service INC. Debt Collectors

DoNotPay provides a perfect solution to your problem since its product is:

  • Fast- You don’t have to spend so much time searching the internet for how to reach SSCI and making them stop calling you.
  • Easy- You only have to follow three steps to make SSCI stop harassing you.
  • Successful- You can rest assured that DoNotPay will make the best case for you.

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DoNotPay offers a wide range of other products to you, which include;

Stopping a debt collector has never been this easy! Sign up today and permit us to do the extra work for you in an easy way.

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