- Who is Southern Oregon Credit Service?
- Southern Oregon Credit Service Complaints?
- Southern Oregon Credit Service Lawsuits
- Southern Oregon Credit Service Contact
- Southern Oregon Credit Service Calling?
- How Do I Stop Southern Oregon Credit Service Debt Collection Harassment?
- How Can I Delete Southern Oregon Credit Service from My Credit Report?
- How Can I Deal with Southern Oregon Credit Service?
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Southern Oregon Credit Service, Inc. (SOCS) is a third-party collection agency based in Medford, OR. SOCS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as misrepresentation and illegal communication tactics. If you have been contacted by SOCS, understand your rights before responding.
According to the Better Business Bureau (BBB), Southern Oregon Credit Service, Inc. was founded and incorporated in 1965. The BBB established its profile page in 1998. SOCS is listed as a collection agency and billing service that uses the alternate business name, Resolution Resource. Resolution Resource has a separate website at http://resolutionr.com.
According to its website, Southern Oregon Credit Service is “a full-service accounts receivables firm that works to increase…revenue, improve…profitability, and cut…costs while preserving…vitally-important customer relationships.” SOCS cites as its strengths its ability to provide enhanced cash flow for its clients, customer retention, exceptionally high collection return rates, and increased efficiency for its clients.
As a full-service third-party collection agency, Southern Oregon Credit Service provides both consumer and commercial debt collection. Consumer collection services include a full range of services, including early-out billing, accounts receivable management, and litigation services. SOCS’ commercial debt collection division is “very aggressive in asset location, payment procurement, document production, and the litigation process. They review accounts for possible fraudulent transfers and corporate co-mingling of assets” and employ litigation “as a business closes its doors or sells.”
SOCS’ consumer and commercial collections staff are active in several primary industries, including “healthcare (hospitals, clinics, doctor groups, etc.), municipal and government (cities, counties, boards, etc.), utility (water, telecommunications), and financial (banks, finance).” They also collect delinquencies for property management companies and retail businesses.
As for compliance, Southern Oregon Credit Service indicates that it “strictly adheres to FDCPA, FCRA, HIPAA, OUDCPA, and other state laws.” Their affiliations page cites membership in the International Association of Credit and Collection Professionals (ACA International), the International Association of Commercial Collectors (IACC), and the Oregon Collectors Association (OCA). Their consumer resources page provides some general information and links to the three major credit reporting agencies (CRAs), the Oregon Attorney General, the Federal Trade Commission (FTC), and the Consumer Financial Protection Bureau (CFPB).
The BBB has closed 9 complaints against Southern Oregon Credit Service, Inc in the past three years, with 4 closed in the past 12 months. Almost all of those complaints allege problems with advertising and sales. Since May 2015, the Consumer Financial Protection Bureau (CFPB) has received 8 complaints about SOCS. Justia lists at least 3 cases of civil litigation involving Southern Oregon Credit Service.
Absolutely. Here are some Sample Cases against Southern Oregon Credit Service Inc
Complaints against Southern Oregon Credit Service commonly cite difficulties resulting from delinquent debts that have been litigated. In September 2016, a complainant indicated that SOCS had sent him a notification that he was being sued in small claims court for a past due amount. He claimed that Southern Oregon Credit Service had never contacted him by phone, email, or postal service regarding the collection item. He also indicated that he had another account with SOCS that was being paid according to an agreed installment plan and expressed confusion about why SOCS accepted monthly payments from him on one account for over a year, but made no attempt to consolidate or even contact him about the second delinquent item. He alleged that their tactics were overly aggressive. In response, SOCS indicated that they had made an error “in communicating between collectors and the file notes.” Apparently, the second file “was inadvertently sent on to the legal department,” and Southern Oregon Credit Service indicated they would “dismiss the case and that… his current payment plan is acceptable and there will not be additional costs or fees incurred in this matter.”
In February 2017, a complainant alleged misconduct on the part of Southern Oregon Credit Service. Allegedly, the complainant had made arrangements to pay a delinquent debt, but after “3 or 4 attempts” to resolve problems with the payment arrangement, she was “served papers for a judgment.” She complained further that she was “told one thing from… one person and then something else from another, then she never can talk to anyone that set up the first agreement.” Furthermore, she was “told that SOCS had been moving and she believed she was caught up in their moving mess.” She indicated she had a record of all her phone calls and alleged that Southern Oregon Credit Service had “done a lot of unfair things,” and that she did “not believe she should have to pay the court cost.” In response, SOCS indicated their “records do not show someone who is willing to pay their bills in a timely manner.” They indicated they had contacted the complainant several times and had “received a voice mail indicating the consumer knew she owed bills and would be paying them.” However, SOCS had not received any payments until “after the lawsuit had been filed.” Southern Oregon Credit Service concluded by stating that they “have a payment plan for small amounts established for the consumer to get these paid, but the court fees will not be waived as it was up to the consumer to pay the bills in a timely manner to avoid them.”
Southern Oregon Credit Service, Inc.
PO Box 4070
Medford, OR 97501
Telephone: (541) 773-6238
Understanding Your Debt Collection Rights
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The 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). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals 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.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200.
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