Credit Collection Services (CCS)
Credit Collection Services, often shown as CCS, is a collection agency in Norwood, Massachusetts. It collects for other companies, and its site lists insurance, utilities, cable and telecom, healthcare, tollways and retail among the industries it serves. A CCS letter usually concerns a final bill from one of those companies.
Agency collections often start with a bill you thought was closed: a canceled insurance policy, a final utility bill after a move, a phone account. CCS is working for that company, not buying the debt, so the creditor on the notice should be one you recognize.
Who CCS is
- What it is. CCS's site calls Credit Collection Services one of "the nation's largest" collection firms and lists its corporate headquarters at 725 Canton Street, Norwood, MA 02062 (ccsusa.com).
- Legal name. New York City's DCWP license list shows Credit Control Services, Inc., doing business as Credit Collection Services, at the same Norwood address (license 1004218-DCA, active through January 31, 2027, when we checked on September 29, 2026) (NYC Open Data). The CFPB database lists complaints under "CCS Financial Services, Inc."
- Phone. The number listed on ccsusa.com is (617) 965-2000 (checked September 29, 2026). That is the corporate headquarters number on its site; use the number on your own notice for account questions.
How to check that it is really Credit Collection Services
- Get the validation notice. A debt collector must give you written validation information in its first communication or within five days after it: the amount, the creditor, and your right to dispute (15 U.S.C. § 1692g(a); 12 C.F.R. § 1006.34). If none came, read no validation notice.
- Ask who the original creditor is. The notice should name the creditor and itemize the balance. If you dispute in writing within the validation period, the collector must stop collecting until it mails you verification (15 U.S.C. § 1692g(b)).
- Call back on a number you looked up yourself. Do not pay a caller on the strength of a number the caller gave you. Look the company up on its own website. The number we found there is listed above.
- Look it up in the CFPB database. The link is in the public record section below.
- In New York City, look up the license. The city's Department of Consumer and Worker Protection (DCWP) issues debt collection agency licenses, and its issued-licenses list is public on NYC Open Data.
What Credit Collection Services cannot do
These limits apply to every debt collector covered by the Fair Debt Collection Practices Act. They are the law, not a statement about what this company has done.
- Call you more than 7 times in 7 days about one debt. More than seven telephone calls in seven consecutive days, or a call within seven days after a phone conversation about the debt, is presumed harassment (12 C.F.R. § 1006.14(b)(2)). Texts and emails do not count toward that number. See too many calls.
- Call before 8 a.m. or after 9 p.m. Those hours are presumed inconvenient (15 U.S.C. § 1692c(a)(1)). See calls at bad hours.
- Keep collecting after your written dispute without sending verification. Collection must pause until verification is mailed (15 U.S.C. § 1692g(b)). See ignored dispute.
- Add amounts the agreement or the law does not allow. Collecting any amount not expressly authorized is an unfair practice (15 U.S.C. § 1692f(1)). See wrong amount and fees.
- Tell your family, friends or boss about the debt. A collector may contact other people only to find you, and may not say you owe a debt (15 U.S.C. §§ 1692b, 1692c(b)). See calls to family and employer.
- Report a disputed debt without saying it is disputed. Failing to communicate that a debt is disputed is a false credit statement (15 U.S.C. § 1692e(8)). See debt you do not owe.
Log calls in the call log and save voicemails, letters and screenshots.
If Credit Collection Services sues you
Agencies like CCS collect for a client; if a suit is filed, it is usually in the name of the creditor or an owner of the account, through a law firm. If you have been sued, do not ignore the papers. The deadline to answer is short, and a missed deadline can lead to a default judgment. Read sued by a debt collector first.
- New York. Most consumer credit suits must be filed within three years, and a later payment does not restart the clock (CPLR 214-i). The complaint must name the original creditor and attach the contract or charge-off statement (CPLR 3016(j)).
- New Jersey. Contract actions generally carry a six-year limit (N.J.S.A. 2A:14-1).
- Florida. Five years on a written contract, four on an oral one or an open account (Fla. Stat. § 95.11).
- The right court. A collector's suit must be filed where you live or where you signed the contract (15 U.S.C. § 1692i(a)(2)). See sued in the wrong county.
Public record
Only public, sourced facts appear here. Where we quote an agency or a court, the words describe what that agency or court found, alleged or decided.
CFPB complaints, as of September 29, 2026. From September 1, 2025 through September 1, 2026, consumers filed 10,770 complaints naming "CCS Financial Services, Inc." in the Consumer Financial Protection Bureau's complaint database, 8,948 of them about debt collection; 2,310 of the 10,770 came from New York, New Jersey and Florida. See the complaints in the CFPB database. Complaints are unverified consumer reports, not findings of wrongdoing.
Government orders. We found no federal or New York enforcement order against CCS to report on this page.
In New York, New Jersey and Florida
New York consumers can also sue under General Business Law § 349 for deceptive practices (N.Y. Gen. Bus. Law § 349(h)), and since September 1, 2026 New York City's DCWP rules limit a collector to three communications or attempts per account in seven days, across calls, texts and emails. Florida's consumer collection law reaches anyone collecting a consumer debt, including original creditors, with statutory damages up to $1,000 (Fla. Stat. §§ 559.72, 559.77(2)). New Jersey's Consumer Fraud Act allows treble damages for an ascertainable loss (N.J.S.A. 56:8-19). See New York, New Jersey and Florida.
The FDCPA requires a company found liable to pay the consumer's reasonable attorney's fees and costs. The deadline to sue is one year from the violation (15 U.S.C. § 1692k(d)).
Common questions
Who does Credit Collection Services collect for?
CCS collects for other companies. Its site lists insurance, utilities, telecom, healthcare, tollways and retail among its industries. Your validation notice should name the creditor.
CCS says I owe an insurance premium for a policy I canceled. What do I do?
Dispute in writing within the validation period and ask for the itemization. A collector may not collect an amount the agreement or the law does not allow, and it must pause collection until it mails verification.
Is CCS licensed in New York City?
DCWP's public license list showed an active license for Credit Control Services, Inc., doing business as Credit Collection Services, when we checked on September 29, 2026.
Tell us what they did.
One conversation with an attorney, in your language. We tell you which laws the collector or the credit bureau broke, which deadline runs first, and what to save this week. If it is not a case we can take, we say so and tell you where to go.
(718) 484-7510The FDCPA and the FCRA require a company found liable to pay the consumer’s reasonable attorney’s fees and costs. Our fee arrangement is confirmed in a written retainer before we begin. English, Russian and Spanish in-house; an interpreter for any other language.