State Collection Service’s main office is in Madison, WI, with additional offices in Beloit, WI; Milwaukee, WI; and Chicago, IL. The Better Business Bureau indicates that State was founded and incorporated locally in 1949. The BBB’s file on State was opened in 1995.
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State Collection Service or SCS is one of the more well-established agencies in the collections industry. Although 85% of their business comes from the healthcare industry, they also accept accounts from utility companies; commercial and retail credit; and local, county, and state government agencies. Their first client in 1949 was a hospital based in the Midwest that is still one of their most productive accounts. Their accounts receivable management services allow them to act as the initial billing service for many of their clients as well as a third-party collection agency for delinquent debts. Their collection techniques consist of sending validation letters; telephone campaigns; follow-up letters and phone calls; skip tracing for accounts with no contact information; and a legal team for specifically defined delinquent accounts.
State Collection Service is very serious about training and compliance. Their management team is responsible for ensuring compliance with the FDCPA and FCRA; Health Information Portability and Accountability Act (HIPAA); contract review; outgoing correspondence review; credit bureau reporting regulations; dispute resolution; and a host of industry regulations set by professional organizations such as the Healthcare Financial Management Association (HFMA); the American Collectors Association (ACA); and the International Association of Commercial Collectors (IACC).
Their Web Resources link provides access to their online pay portal as well as links to the three major credit reporting agencies; the BBB; the Federal Trade Commission; the General Accounting Office; the Wisconsin Department of Financial Institutions; the FDCPA and the FCRA; and the consumer debt counseling resource, Ask Doctor Debt. Their web-based consumer contact from provides a fairly comprehensive and transparent disclaimer.
The Better Business Bureau lists a total of 71 complaints against State Collection Service in the past three years, with 33 closed in the last 12 months. 22 complaints have been accepted as resolved to the satisfaction of the complainant. Complaints against State Collection typically allege errors in reporting debts to the credit reporting agencies or mistakes in billing. The 10 negative customer reviews allege problems with customer service. Many of the complaints result from calls for unverified debts or excessive phone calls. In addition, there are 13 negative customer reviews of this company complaining of rude collection agents; inaccurate billing and reporting information; and excessive phone calls. The BBB has given them a rating of A+. Justia lists at least 7 different cases of civil litigation in which State Collection Service appears as a defendant.
State Collection Service, Inc.
PO Box 6250 | 2509 S. Stoughton Rd.
Madison, WI 53716
Telephone: (800) 477-7474
It is illegal for a debt collector to threaten 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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Absolutely. Here are some Sample Cases and Complaints against State Collection Service, Inc.
The FDCPA and the FCRA in particular contain provisions that require collection agencies to adhere to laws designed to protect “the unsophisticated consumer” from abuses. In other words, some collection agencies tempt to “fool” or mislead consumers by taking advantage of consumers’ unfamiliarity with the laws regulating the collections industry. When these cases go to court, the collection agencies often do not prevail. State Collection Service has established itself as an expert in the area of compliance. So-called unsophisticated consumers faced with financial difficulties sometimes file complaints out of frustration, and many complaints against State are focused on credit reporting or billing issues. Some of these complaints have been litigated. For instance, a 2016 civil case alleged that SCS violated the FDCPA’s provisions prohibiting phone calls during times that have been identified as inconvenient and other provisions against unfair or unconscionable means of debt collection. Although the court acknowledged the right of the plaintiff to bring charges, evidence at trial found that thry had not committed any violations. Nonetheless, consumers with valid complaints have prevailed in some civil actions against State Collection Service—a 2015 decision in the United States District Court for the Northern District of Illinois, Eastern Division, awarded a plaintiff a judgment of $1,001 in statutory damages and reasonable attorney fees for State Collection Service’s violations of the FDCPA.
Press Releases of Lawsuits Brought On By Lemberg Law Against State Collection Service Inc
March 9, 2017. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Middle District of Georgia. The case, against State Collection Service, charges the debt collection agency with violating federal and state law and asks for $1,000 in statutory damages under the Fair Debt Collection Practices Act, actual and punitive damages under state law, plus other relief.
Medical bills can be daunting. They can certainly be overwhelming. Debt collection calls after medical problems can make the whole situation worse. Our client says that State Collection Service began calling her cell phone in order to collect medical debt owed by her husband. She informed State Collection Service that her husband was covered by Medicaid and Medicare, and that all of his expenses were covered by insurance.
She also told SCS that her husband couldn’t be reached at her cell phone number, and asked the debt collector to stop calling her cell phone in order to speak to her husband. Nevertheless, SCS kept calling our client’s cell phone. Sometimes, when our client answered calls from them, the debt collection agency immediately hung up the telephone. She says that State Collection Service kept calling, even though she’d disputed the debt, refused to pay the debt, and ask that all calls to her cell phone stop.
This lawsuit charges that State Collection Service violated the Fair Debt Collection Practices Act (FDCPA) by contacting our client at a place and time known to be inconvenient; by engaging in harassing behavior; and by using unfair and unconscionable means to collect a debt. It also charges that SCS violated the Georgia Fair Business Practices Act.
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 receiving 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.
We can make them STOP!✋
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 NOW.
What Our Clients are Saying
“I was almost going nuts receiving calls every afternoon from a person using profane language to push me to pay debts I don’t owe. Someone I trust referred me to Lemberg Law, and I don’t regret having contacted them. The attorneys were very kind and always available when I needed them.”
“Thank you for standing with me Lemberg Law. I was so afraid I could lose my job because of a caller who called my job number 4 hours straight back to back. He not only harassed and threatened me but also abused workmates who received the call when I wasn’t around. Since I solicited for your services, I’ve had a peace of mind, and I’m happy because of the few dollars I got as a settlement.”
“I just called in to thank you for the incredible help you offered to my sickly father who was bothered with frequent calls from scammers. At a point, he just wanted to pay them to get rid of all the annoyance, but because of Lemberg Law’s assistance, he got free help, and the bothering calls ended immediately.”
Chances are we can. Call us to today and we’ll tell you how we can help.
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