How to stop Security Credit Services SCS collections harassment - A guide to your rights (2022)

Security Credit Services LLC or SCS is a debt collection agencywhich receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

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What is Security Credit Services?

Security Credit Services or SCS is an accounts receivable, acquisitions, and management firm based in Mississippi that specializes in purchasing delinquent debt from banks, retailers, and other lenders. SCS has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), including attempting to collect debts not owed and failure to provide verification of debts. If you have been contacted by Security Credit Services, make sure you understand your rights before responding.

Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.

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The harassing company pays our fees.

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Is Security Credit Services a scam?

They’re legit. According to the Better Business Bureau (BBB), Security Credit Services, LLC is a legitimate collection agency, founded and incorporated in 2003 in Oxford, MS and is registered as a debt relief services company. The BBB opened its file on SCS in 2008.

Who does Security Credit Services collect for?

According to its website, Security Credit Services “purchases very specific types of delinquent and charged-off consumer portfolios. SCS purchases accounts that were recently charged off, as well as warehoused accounts that have been sitting idle for years, and anything in between.” In addition, SCS “buys, sells, and manages 3rd party agencies and law firms to collect nearly $1 billion of delinquent accounts receivables from the nation’s most respected creditors.”

Unlike most collection agencies that focus on profits generated from recovering delinquencies, SCS “raises funds from individual accredited investors and wealth management firms to buy delinquent debt for its individual debt purchasing companies.” Prior to assigning purchased debt to third-party agencies for collection, SCS “analyzes each debt portfolio, reviewing more than 180 data points to help determine the correct purchase price to achieve our internal rate of return objectives.”

Security Credit Services places purchased charged-off debt “into nationally licensed and bonded collection channels.” SCS states that the collection agencies and law firms with whom they hold contractual agreements must adhere to the Fair Debt Collection Practices Act. In addition, SCS cites its membership in the Debt Buyers Association (DBA) and the Association of Credit and Collection Professionals (ACA International).

SCS’ website does not contain references or links to consumer protection laws, consumer resources, or details of its regulatory compliance policy.

Who are we? We are Lemberg Law, a Consumer Law Firm

Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.

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How many complaints are there against Security Credit Services SCS?

The BBB has closed 48 complaints against Security Credit Services in the past three years, with 25 complaints closed in the past twelve months. Almost all of these complaints alleged problems with billing and collections. Since December 2015, the Consumer Financial Protection Bureau (CFPB) has closed 39 complaints against SCS. Justia lists at least 7 cases of civil litigation listing SCS as a defendant.

Contact Information

Security Credit Services, LLC
2653 W Oxford Loop, Ste. 108
Oxford, MS 38655-2929
Telephone(866) 699-7889
Website: https://securitycreditservicesllc.com/

Can Security Credit Services Sue Me or Garnish My Wages?

It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely SCS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!

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Unlawful Debt Harassment? Learn the Law & Sue the Collector.

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Can you help me file a No Fee Lawsuit against Security Credit Services SCS?

Absolutely. Here are some Sample Cases

In January 2012, in United States District Court, Southern District of Florida, a judge issued an Order Denying Defendant’s Motion for Summary Judgement in a case alleging violations of the FDCPA and the Florida Consumer Collections Practices Act (FCCPA) by SCS. Initially, this case was filed as a complaint against SCS, who had filed a lawsuit against the plaintiff to collect a delinquent debt it had purchased from the original creditor, Wells Fargo Bank. In this case, the plaintiff alleges that legal actions taken by SCS in relation to the collection of the debt violate both the FDCPA and the FCCPA. Specifically, the plaintiff argued that because Security Credit Services was not registered as a collection agency in the State of Florida at the time of its business activities, its actions violated the FCCPA; furthermore, this FCCPA violation resulted in a violation of FDCPA provisions that prohibit collection agencies form taking legal action they cannot legally take. The judge in this case found that the plaintiff successfully established that the debt was a consumer debt. In addition, SCS had purchased debt that was already delinquent and took action to collect the past due amount; because these actions legally constitute debt collection activity, the plaintiff also successfully established that SCS was acting as a debt collector according to the FDCPA. Next, the plaintiff established as a result that SCS’ conduct violated the FCCPA’s provision that “no person shall engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration.” Security Credit Services tried to counter by arguing regardless of the FCCPA violation, its actions did not violate the FDCPA because it never “threatened to take any action against Plaintiff; it simply took action when it filed its counterclaim.”

The court rejected this argument, noting that it “would be illogical to read the FDCPA to condemn the mere threat to file a lawsuit that could not be legally instituted, but actually permit the filing of illegal lawsuits.” As a result, the “Defendant Security Credit Services, LLC’s Motion for Summary Judgment…[was] DENIED.”

Security Credit Services SCS Calling You?

Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).

Can I sue SCS for harassment?

Yes.If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.

Want to Debt Collection Harassment Now?

You may have a case, if…

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  • multiple calls per week
  • calls at work
  • calling your family
  • threatening you
  • Use of obscene language
  • Automated robocalls

What Our Clients are Saying

“We realize that ours is just one small case among many – and many more serious – but are heartened by the fact that you accepted it and represented us with a professionalism that belied the small dollar amount.”

“If you are unsure about this company…DONT BE!!! They are for real when they say they are here to help you. It only takes a few short minutes of your time to talk to a rep. I was a skeptic, but you did everything you said you would! I can’t say thank you enough!”

”Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”

Can You Help Me Delete Security Credit Services SCS from My Credit Report?

Chances are good that we can help. Call us today and we’ll explain.

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FAQs

How do I stop debt collectors from contacting me? ›

Can I stop my creditors calling me? If you don't want to receive any phone calls you can ask your creditors to remove your number from their records. We have an example 'stop a creditor from calling' letter (PDF) you can use to ask for this. It's important you still read letters or emails from your creditors.

Can you refuse to deal with debt collectors? ›

If you don't want to speak to the debt collector ask them to leave. You can deal with the debt over the phone or in writing after the debt collector has left. If you're happy to speak to them, explain to the debt collector what you can afford to pay them, and give them a copy of your monthly budget if you have one.

Can you take a debt collector to court for harassment? ›

You should point out in the letter that harassment is a criminal offence and you can take further action if your creditor doesn't stop. Remember to send all letters by recorded delivery and keep copies so that you have a record of your complaint.

What if I'm being contacted about debts for someone not at my address? ›

If you receive letters that look like they're from a bailiff or about a County Court judgment (CCJ or other court letter, don't ignore them. Call the court or bailiff and let them know the previous occupant no longer lives at this address to speed up the process of them updating their records.

What is considered harassment by a debt collector? ›

Harassment and Call Restrictions

Debt collectors cannot harass or abuse you. They cannot swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take.

How many times can a company call you before it's harassment? ›

Nevertheless, creditors may not call you more than 7 times within 7 consecutive days or call you within 7 days of talking to you about the debt. If your creditor calls you multiple times a day or continues calling even after you answer the phone and speak with them, you are likely facing creditor harassment.

Why you should not pay a collection agency? ›

Making a payment on the debt will likely reset the statute of limitations — which is disastrous. If the collection agency can't show ownership of the debt. Frequently, the sale of a debt from a creditor to a collector is sloppy. A collection agency hounding you may not be able to show they actually own your debt.

What power do debt collectors have? ›

What can a debt collector do? Debt collection agencies don't have any special legal powers. They can't do anything different to the original creditor. Collection agencies will use letters and phone calls to contact you.

Do you have to pay debt if sold to collection agency? ›

Unpaid debt doesn't go away. Until the debt is either paid or forgiven, you still owe the money. This is true even if it's a credit card debt that is sold to a collection agency and even if you think it's unfair.

How can you prove harassment? ›

Proving harassment to secure a conviction

the defendant has pursued a course of conduct. the course of conduct amounted to harassment of another person. the defendant knew or ought to have known that the course of conduct amounted to harassment.

What to do if a company is harassing you? ›

File a harassment complaint with the California Department of Fair Employment and Housing (“DFEH”). After receiving a “right to sue” notice from DFEH, file a civil lawsuit in California Superior Court seeking monetary damages from the harasser and/or the employer.

How do you deal with harassment? ›

Here are some ideas for how you can help:
  1. Make it known that you see what is happening. ...
  2. Talk to the person being harassed. ...
  3. Respond directly. ...
  4. Make suggestions, not demands. ...
  5. Evaluate for safety. ...
  6. Document the situation. ...
  7. Report the incident. ...
  8. Check in.
7 Sept 2021

What happens if I have nothing for bailiffs to take? ›

If the bailiff cannot get payment, get into your house or seize any goods from outside your house they may refer your debt back to your creditor. Your creditor may then take court action, make you bankrupt, or in extreme cases, file for imprisonment.

What are bailiffs not allowed to take? ›

Belongings bailiffs can't take

things that belong to other people - this includes things that belong to your children. pets or guide dogs. vehicles, tools or computer equipment you need for your job or for study, up to a total value of £1,350. a Motability vehicle or a vehicle displaying a valid Blue Badge.

How many times can a bailiff visit? ›

A bailiff can visit your home up to three times.

However, if you're not there to answer the door the number of times could increase. After three visits further legal action will be taken against you.

What does a debt collector have to prove in court? ›

The creditor has to prove who the borrower is

These include: Where there is a dispute as to the identity of the borrower or hirer or as to the amount of the debt, it is for the firm (and not the customer) to establish, as the case may be, that the customer is the correct person in relation to the debt.

How many times can a debt be sold? ›

Answer: An unpaid collection account can be sold and re-purchased over and over again by junk debt buyers. Often, a junk debt buyer will purchase a collection account, attempt collection for a few months, then re-sale the account to a new junk debt buyer. This can occur repeatedly until the debt is paid.

What is the most common violation of the FDCPA? ›

Harassment of the debtor by the creditor – More than 40 percent of all reported FDCPA violations involved incessant phone calls in an attempt to harass the debtor.

Can you tell a bill collector to stop calling? ›

You have the right to tell a debt collector to stop communicating with you. To stop communication, send a letter to the debt collector and keep a copy of the letter. The CFPB's Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act (FDCPA) became effective on November 30, 2021.

How many times can a collector call in one day? ›

Federal law doesn't give a specific limit on the number of calls a debt collector can place to you. A debt collector may not call you repeatedly or continuously intending to annoy, abuse, or harass you or others who share the number.

How many times a day is a bill collector allowed to call you? ›

According to the FDCPA, a debt collector cannot call a debtor more than once per day for each debt. This means that if you only have one outstanding debt, then your debt collector is only allowed to call you one time per day.

What do you say when disputing a collection? ›

What parameters should you include in a collection dispute letter?
  1. Your details – name, address, official email address, etc.
  2. Request for more information about the creditor.
  3. Amount of debt owed.
  4. A request note to not to report the matter to the credit reporting agency until the matter is resolved.

Can I pay the original creditor instead of the collection agency? ›

Unfortunately, you're still obligated to pay a debt even if the original creditor sells it to a collection agency. As long as you legally consented to repay your loan in the first place, it doesn't matter who owns it. You may be able to pay less than you actually owe, though.

Can you go to jail for not paying debt? ›

The short answer to this question is No. The Bill of Rights (Art. III, Sec. 20 ) of the 1987 Charter expressly states that "No person shall be imprisoned for debt..." This is true for credit card debts as well as other personal debts.

Can debt collectors come to your house without court order? ›

In most cases, a bailiff can only be sent to your property after court action - either via magistrates' court, High Court or County Court, depending on the debt - has been taken.

Can bailiffs enter your house when you are not there? ›

The bailiff might say you have to pay them on the doorstep or you have to let them in - you don't. They aren't allowed to force their way into your home and they can't bring a locksmith to help them get in. They'll normally leave if you refuse to let them in - but they'll be back if you don't arrange to pay your debt.

Can loan companies come to your house? ›

They can bring down your credit scores, charge late fees, and take legal action against you, but they can't walk up to your house and take valuables. Eventually, after a lender successfully brings legal action against you, the lender might be able to take assets without your permission.

Can you negotiate with debt collectors? ›

Occasionally, when a debt goes to collections you may be able to negotiate with the collector to accept a smaller amount than what you originally owed. An agent may decide it's worthwhile to accept partial payment now rather than go through a prolonged collection process.

Does disputing a debt restart the clock? ›

Does disputing a debt restart the clock? Disputing the debt doesn't restart the clock unless you admit that the debt is yours. You can get a validation letter in an effort to dispute the debt to prove that the debt is either not yours or is time-barred.

Can a creditor send you to collections without notice? ›

Generally, the creditor does not have to tell you before it sends your debt to a debt collector, but a creditor usually will try to collect the debt from you before sending it to a collector.

What is psychological harassment? ›

Psychological harassment means any vexatious behaviour in the form of repeated and hostile or unwanted conduct, comments, actions or gestures that affects an individual's dignity or psychological or physical integrity and that results in a harmful work or learning environment for the individual.

What is intimidating behaviour? ›

This includes actions of abuse, harassment and intimidation such as: verbal abuse; physical attacks; being stalked followed or loitered around; threats of harm; distribution of misinformation; character assassination; inappropriate emails, letters, phone calls and communications on social media; sexual harassment or ...

Is psychological harassment illegal? ›

While the most basic types of harassment are verbal and psychological, there are also more serious forms, such as physical and sexual. All types of workplace harassment are illegal.

Can I sue for harassment? ›

Taking someone to court for harassment

You can take someone to civil court if: they've harassed you more than once - this includes stalking. the harassment made you feel distressed or alarmed.

What are some examples of harassment? ›

Examples of harassment include offensive or derogatory jokes, racial or ethnic slurs, pressure for dates or sexual favors, unwelcome comments about a person's religion or religious garments, or offensive graffiti, cartoons or pictures.

What defines harassment? ›

Harassment is any behaviour, whether physical, verbal, written, or otherwise, that is unwanted and unwelcome, and may offend, or humiliate, an individual. Harassment can be discrimination or abuse of various types. Often, harassment persists beyond the first incident and happens on multiple occasions.

How can I stop harassment legally? ›

Apply for a restraining or protection order

A restraining order (protection or no-contact order) is an enforceable legal document that stops a harasser from repeating problematic behavior. A court grants this order and the police enforce it. You will need to serve notice to the harasser.

What can I say to stop harassment? ›

For example say, “Do not whistle at me, that is harassment,” or “Do not touch my butt, that is sexual harassment.” 2. Tell them exactly what you want. Say, for example, “move away from me,” “stop touching me,” or “go stand over there.”

Is there a way to stop harassment? ›

To stop harassment, start by confronting your harasser and letting them know that their comments or actions are not welcome. If they persist, you may need to report the harassment to the proper authorities. If the person still won't leave you alone, you may want to consider filing for a restraining order against them.

Can bailiffs take mobile phones? ›

Bailiffs can't take everything. They must leave you with basic household items, including: A cooker or microwave, a fridge and a washing machine. A landline or mobile phone.

What is classed as vulnerable to bailiffs? ›

Check if bailiffs should treat you as vulnerable

you're seriously ill. you have mental health problems. you have children or are pregnant - especially if you're a single parent. your age makes it hard for you to deal with bailiffs - usually if you're under 18 or over 65.

Can police help bailiffs? ›

It is not the responsibility of the Police to act as an arbitrator between the bailiff and the debtor, nor to determine the rights and wrongs of the issue, and in no way should an officer assist in the seizure of any goods.

When can bailiff force entry? ›

In general, you do not have to let bailiffs into your home or business, and they cannot enter your home between 9pm and 6am. They cannot use force to gain entry into a property on their first visit – they can only use “peaceable means”. This means they can enter through a: Door.

Do bailiffs have right of entry? ›

In most situations, bailiffs have the right of peaceful entry. This means that they cannot break glass, but they can gain access via an open door. If they make a peaceful entry, you have to allow the bailiff into your home. Once the company has entered your home, it can come back at any time to collect goods.

Can bailiffs take your couch? ›

The answer is yes. A bailiff can take your sofa; however, it can only be sold if it has an original fire safety label attached. Additionally, bailiffs must leave you enough furniture for you and your family to use for your basic needs.

Does breathing space stop bailiffs? ›

Bailiffs (also called enforcement agents)

A creditor will not be able to start bailiff action against you whilst you are in breathing space. A bailiff is not allowed to try to take control of your goods whilst you are in breathing space.

How do I stop bailiffs from coming? ›

Bailiffs can't come to your home or take any action against you if you can prove you don't owe the debt. Collect as much evidence as you can to show you're not responsible for the debt. Send this to the bailiffs with a letter explaining that you don't owe the money.

Can you refuse pay bailiffs? ›

If your council has passed the debt on to bailiffs then you may still be able to negotiate with the council. They may agree to stop the bailiffs' action and accept a repayment plan. If they do, you will avoid having to pay bailiffs' fees. You may also be able to negotiate a repayment plan with the bailiffs themselves.

Do debt collectors ever give up? ›

Professional debt collectors and collection agencies make money by collecting money. If they don't collect, they don't make money. So, they can be relentless and rarely give up.

What happens if I ignore bailiffs? ›

If you do let a bailiff in but do not pay them they may take some of your belongings. They could sell the items to pay debts and cover their fees. You may be able to get extra time to make a payment or get debt advice if you're a vulnerable person (for example, you have mental health problems or are seriously ill).

What happens if you don't pay collections? ›

If you ignore a debt in collections, you can be sued and have your bank account or wages garnished or may even lose property like your home. You'll also hurt your credit score. If you aren't paying because you don't have the money, remember that you still have options!

How long before a debt becomes uncollectible? ›

In California, the statute of limitations for consumer debt is four years. This means a creditor can't prevail in court after four years have passed, making the debt essentially uncollectable.

Do you have to pay debt if sold to collection agency? ›

Unpaid debt doesn't go away. Until the debt is either paid or forgiven, you still owe the money. This is true even if it's a credit card debt that is sold to a collection agency and even if you think it's unfair.

Can a bailiff enter my property if I am not there? ›

For most kinds of debt, bailiffs are not allowed to enter your property if no-one is in. They are also not allowed to enter your house if the only people there are under 16 or vulnerable (for example, due to disability).

How many times will a bailiff visit? ›

A bailiff can visit your home up to three times.

However, if you're not there to answer the door the number of times could increase. After three visits further legal action will be taken against you.

What times are bailiffs allowed to visit? ›

Bailiffs are only allowed to try to come into your home between 6am and 9pm. You shouldn't let a bailiff into your home - it's always best to try to sort out your debt by keeping them outside and speaking through the door or over the phone.

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