Why Is Sunrise Credit Services Calling Me? How to Settle
If Sunrise Credit Services contacts you about a debt, respond promptly to validate it or negotiate a settlement. Ignoring them could lead to a lawsuit, wage garnishment, or bank account levies. You can protect yourself by filing an Answer to any lawsuit and settling the debt for less than you owe.
Answer Your LawsuitSunrise Credit Services has a charming name. Almost everyone enjoys watching a beautiful sunrise.
Almost no one enjoys receiving a notice about unpaid debt. If you receive a letter from Sunrise Credit Services, it probably isn’t complimenting your financial management skills. It’s trying to collect a debt.
Sunrise Credit Services Sued You? Respond Now
Don't risk a default judgment from Sunrise Credit Services. File your Answer and negotiate a settlement before your court deadline passes.
Respond to LawsuitSunrise Credit Services partners with banks and other entities. They pursue debtors relentlessly until they pay off their obligations. If they contact you, expect many letters and phone calls. If you don’t respond, they may sue you.
You can resolve this debt issue. We’ll tell you more about Sunrise Credit Services and who they collect for. You’ll learn how to respond if you’ve been sued. And you’ll discover how to negotiate and settle your debt for less.
What Is Sunrise Credit Services?
Based in New York, Sunrise Credit Services has operated as a family-owned collection agency since 1974. The company has a 45,000-square-foot facility housing hundreds of collection agents.
If you want to reach Sunrise Credit Services to resolve a debt, here’s their contact information:
- Phone number: 800-645-9824
- Email: collections@sunrisecreditservices.com
- Address: P.O. Box 9004, Melville, NY 11747-9004
- Credit investigations team: 800-645-6898
Who Does Sunrise Credit Services Collect For?
Sunrise Credit Services routinely partners with clients in different economic sectors. They act as an external accounts receivable management team and collection agency.
More specifically, Sunrise Credit Services collects for:
- AT&T
- Bank of America
- Charter Communications
- Comcast
- Con Edison
- Optimum
- Publisher’s Clearing House
- Spectrum
- Sprint
- Teachers Federal Credit Union
- Xfinity
They also collect for companies in education, financial services, retail, and telecommunications industries.
Been sued for debt by Sunrise Credit Services? Our partner Solo can help you respond and settle.
Read Sunrise Credit Services Reviews Online
Curious what people say about their interactions with Sunrise Credit Services? Read these reviews:
- Sunrise Credit Services reviews on Google Reviews
- Sunrise Credit Services reviews on Better Business Bureau
- Sunrise Credit Services reviews on WalletHub
Not all Sunrise Credit Services reviews are bad. Several reviews show that debtors can have pleasant experiences communicating with Sunrise Credit collectors. Consider a real example from a borrower named Ariadna:
“Victoria Harris was such a sweet, understanding representative. She didn’t just ask for the debt that I owed but asked what happened that caused it. She made sure I was okay. She then got me a great settlement that made it possible for me to pay off. Thank you!”
If you’re willing to engage with Sunrise Credit Services debt collectors, they’ll set up a payment plan. The plan will work for you and your current financial situation.
Make Sunrise Credit Services Validate Your Debt
If you receive a bill from Sunrise Credit Services for an unfamiliar debt, verify it’s legit. Don’t make any payments on the obligation until you know it’s yours. Sunrise Credit Services works with thousands of consumer debts and has many clients. The notice you receive may pertain to a responsibility that isn’t yours.
Under the Fair Debt Collection Practices Act (FDCPA), all consumers have 30 days to request debt validation. You request validation after receipt of a collection notice.
In a Debt Validation Letter, you ask the collection agency to provide evidence. They must prove they own the obligation and that you owe it. If the debt collector doesn’t provide full validation, it must cease further collection activities.
Unsure how to write a Debt Validation Letter to Sunrise Credit Services? Use this debt validation letter template.
If Sunrise Credit Services complies and validates the debt, you must determine your next steps. Remember that Sunrise Credit Services may sue you if you don’t resolve the debt. They can sue while the statute of limitations is still open.
If Sunrise Credit Services Sues You, Don’t Ignore the Lawsuit
If Sunrise Credit Services sues you for unpaid debt, you can’t ignore it. You’ll want to take action to protect yourself. If you lose the lawsuit, Sunrise Credit Services will obtain a judgment. They can use that judgment to garnish your wages or take money from your bank account.
Your court Summons will include a Complaint from Sunrise Credit Services. The Complaint identifies why they’re suing you. It will indicate the amount you owe and additional information about the debt. Review the Complaint carefully and note any errors you find.
Next, you’ll need to draft an Answer. An Answer is your formal response to the debt lawsuit. It includes your defenses against the case, if you have any. For instance, you might claim the debt is past the statute of limitations. Or you might claim the amount Sunrise Credit Services is suing for doesn’t match your records.
An Answer is critical because it stops Sunrise Credit Services from requesting a default judgment. Instead, the judge must listen to both sides before deciding on an outcome.
Now, consider an example of how to beat Sunrise Credit Services in court:
Example: Cindy receives a Summons for unpaid debt from Sunrise Credit Services. She reviews the Complaint and discovers the amount doesn’t match her records. She uses our partner Solo to draft and file an Answer into the case. She notes the discrepancy as a defense. The judge reviews her Answer and rules in her favor. The case is dismissed. Sunrise Credit Services can’t sue her again for this debt.
If you don’t have any valid defenses to the debt, you have two choices. You can repay or settle the debt before your court date. In a debt settlement, you pay a portion of the debt in a lump-sum payment. In return, Sunrise will drop the case and release you from the remaining obligation.
How to Settle Debt With Sunrise Credit Services
Settling your debt can save you money. It also protects you from the consequences of a judgment. Here are recommended steps to settle a debt with Sunrise Credit Services:
- File an Answer to the debt collection lawsuit so you don’t get a default judgment.
- Determine how much you can actually afford to pay with this formula: Amount available to settle = (monthly income – monthly costs) + savings
- Make a reasonable settlement offer that is less than the maximum amount you can pay.
- Be ready to go through multiple rounds of negotiating.
- When you reach a debt settlement agreement, get the terms in writing.
Ready to settle your debt? Our partner Solo can manage the settlement process for you online.
Don’t Let Sunrise Credit Services Win a Lawsuit Against You
If Sunrise Credit Services is chasing you for debt, resolve the matter quickly. That way, you avoid a debt lawsuit and a potential judgment. Try to repay your debt if possible. If repayment isn’t possible, a debt settlement can stop future collection activities.
You have options when dealing with Sunrise Credit Services. You can validate the debt to confirm it’s yours. You can file an Answer if they sue you. And you can negotiate a settlement that works for your budget.
Don’t let fear or uncertainty keep you from taking action. The sooner you respond, the better your outcome will be.