However, many of these tactics are actually unlawful under the FDCPA. Debt collectors, such as Sunrise Credit Services, use questionable tactics to get you to pay a debt. No one enjoys dealing with debt collectors because they’re often rude and aggressive. So, how do you go about removing a collection account from your credit report? Here are the essential steps to take to ensure that Sunrise Credit Services stops reporting the debt to major collection bureaus: Get Started Steps to remove Sunrise Credit Services from your credit report Lexington Law can help you meet your credit score goals.

This article will describe what constitutes an FDCPA violation and when you need to file a complaint. These complaints relate to inaccurate reporting, harassment and other Fair Debt Collection Practices Act (FDCPA) violations. Sunrise Credit Services currently has about 620 filed complaints with the Consumer Financial Protection Bureau (CFPB) and about 150 with the Better Business Bureau (BBB).

Sunrise Credit Services collects a variety of debts, including:Īlthough Sunrise Credit Services is a legitimate debt collector, its customers don’t think highly of it. Its headquarters are in Farmingdale, New York, and it’s a late-stage debt collector, which means it may purchase the right to collect a debt from the original creditor. It's part of a larger umbrella company, Sunrise Family of Companies, which includes NetTel USA and Sunrise Capital Management, Inc. It employs about 600 employees overseen by its CEO, Diane Doane. is a debt collection agency or accounts receivable management firm. Originally founded in 1975, Sunrise Credit Services, Inc. They help make the system work.Hawaii Alaska Florida South Carolina Georgia Alabama North Carolina Tennessee RI Rhode Island CT Connecticut MA Massachusetts Maine NH New Hampshire VT Vermont New York NJ New Jersey DE Delaware MD Maryland West Virginia Ohio Michigan Arizona Nevada Utah Colorado New Mexico South Dakota Iowa Indiana Illinois Minnesota Wisconsin Missouri Louisiana Virginia DC Washington DC Idaho California North Dakota Washington Oregon Montana Wyoming Nebraska Kansas Oklahoma Pennsylvania Kentucky Mississippi Arkansas Texas Repair My Credit What is Sunrise Credit Services? So the bill collectors do us all a favor. When borrowers don't pay it back it makes it tougher for all of us to get that mortgage, finance the car or build a business. Trust that a borrower will pay the money back. Borrowing in the form of mortgages has allowed millions of Americans to realize their dream of owning a home.īut it's all based on trust. Business loans allowed entrepreneurs to create all the enterprises that make our lives better. We get thank you letters, each and every day, from debtors who say, 'thank you, thank you for helping me through this.'' 'I truly believe there's a huge difference that we make. ' I am truly proud to be a collector,' he said. 'On average, about 20 percent of what is out there, we'll collect, as an industry,' estimated Doane.Īt the end of the day, Doane believes his industry does do some good. And even that isn't a solution, because most of what is owed, is never paid. There's some stupidity to buying stuff money you don't have.'īut people do it anyway, and Rick Doane has to put his 400 bill collectors to work. 'It doesn't matter if you're 14 or you're 54. 'I want it! I want it! I want it! I want it right now!' he said. 'There was shame attached to not paying back your debts,' explained Schurenberg.īut with the popularity of credit cards in the 1970s, things began to change.ĭave Ramsey said we have become an instant gratification culture. You would have to explain why you wanted it, and represent yourself as being able to pay it back. There was a time when you'd have to go into a bank to borrow money, and face a loan officer you might even know. 'Think about how loans used to be…extended,' he said.Īnd he's right. This is a new temptation, said Eric Schurenberg of Money magazine. Part of the problem, Ramsey said, is the new world of easy credit, such as credit card offers that come in the mail. It ripped my guts out,' he said at one seminar.

Now Ramsey tells people who come to hear his seminars how he fell into debt and tries to teach others not to make the mistakes he made. 'I know what it feels like when people call us that are pounded and pushed and crushed,' he explained. Ramsey once had a successful real estate business, but he said he lost 'everything owned.' He was once one of the stupid people, he said. 'You gotta stop the stupid! Because stupid attracts his other two brothers: desperate and broke!' said Ramsey. He gives them tough love, because, he said, many are acting stupidly. That helps people,' Doane told me.Īnd some people do really need that help. 'We create money that goes back into the economy.

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