Are you being harassed by Stanislaus Credit Control over a debt? If you’re getting repeated calls, threats, or pressure to pay a debt you may not even owe, you’re not alone. Many consumers have reported aggressive and unlawful behavior by this collection agency. What you might not realize is that you have federal protection against this — and it’s time to take back control.
This comprehensive guide will walk you through what qualifies as Stanislaus Credit Control debt collection harassment, what your rights are under the law, and how Consumer Rights Law Firm PLLC can help you stop the harassment and seek compensation.
Who Is Stanislaus Credit Control?
Stanislaus Credit Control Service, Inc. (SCCS) is a debt collection agency based in Modesto, California. They collect debts for a variety of industries, including healthcare, utilities, education, and government. While they are a legitimate company, that does not mean they always follow the law when collecting debts.
There are numerous complaints from consumers alleging that Stanislaus Credit Control debt collection harassment involves repeated calls, threats of legal action, contacting third parties, and failing to validate debts. These actions, if proven, are direct violations of the Fair Debt Collection Practices Act (FDCPA).
What Is Debt Collection Harassment?
Debt collection harassment occurs when a collection agency uses abusive, unfair, or deceptive practices to get you to pay a debt. The FDCPA protects consumers from these tactics, whether or not the debt is valid.
Examples of Stanislaus Credit Control debt collection harassment may include:
- Calling multiple times a day
- Calling before 8 a.m. or after 9 p.m.
- Threatening legal action or arrest
- Contacting your job or employer
- Refusing to verify the debt upon request
- Speaking with your family members or coworkers about the debt
- Using profanity, aggression, or insults
- Continuing to call after a cease-and-desist letter
These actions are not just unethical — they’re illegal.
Real Consumer Experiences
Many individuals across the country have reported experiencing Stanislaus Credit Control debt collection harassment. Below are a few examples based on publicly available consumer complaint data:
Victor – Arizona
Victor said SCCS called him six times in one day regarding a debt he had already paid. When he asked for proof of the debt, the agent refused and threatened to take him to small claims court.
Jenna – Oregon
Jenna received collection letters from Stanislaus Credit Control for a hospital bill she never incurred. After requesting validation, the agency continued to call her at work and even spoke to her supervisor.
Luis – Nevada
Luis said he was contacted at 7 a.m. and 10 p.m. multiple times in a week. One caller even told him that if he didn’t pay, “his wages would be garnished within days” — without any court order or legal notice.
These stories represent the kinds of Stanislaus Credit Control debt collection harassment tactics that violate consumer protection laws.
How They Get Your Contact Information
Stanislaus Credit Control, like other debt collection agencies, may use the following methods to find your contact details:
- Original creditor data
- Credit reporting agencies
- Skip tracing databases
- Public records
- Social media profiles
Once they find your number, the calls may begin — and unless legally challenged, they may escalate into harassment.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) gives you strong rights when dealing with collection agencies. These include:
- The right to dispute the debt
- The right to request validation
- The right to restrict communication
- The right to be free from threats or intimidation
- The right to sue for damages
If you’ve experienced Stanislaus Credit Control debt collection harassment, you may be entitled to:
- Up to $1,000 in statutory damages
- Compensation for emotional distress
- Reimbursement of attorney fees
Steps to Take If You’re Being Harassed
If you’re receiving harassing calls or letters from SCCS, here’s how you can protect yourself:
1. Document Everything
Write down:
- Date and time of calls
- Caller ID and phone number
- What was said
- Name of the agent
Keep voicemails, letters, and emails as evidence.
2. Request Debt Validation
Under FDCPA law, you have 30 days from the first contact to request written verification of the debt. If they cannot provide it, they must stop contacting you.
3. Send a Cease-and-Desist Letter
You can legally demand that Stanislaus Credit Control stop contacting you. After receiving this letter, they may only contact you to confirm they will no longer reach out or to notify you of legal action.
4. Report Them
If they continue their harassing behavior, file complaints with:
- The Consumer Financial Protection Bureau (CFPB)
- The Federal Trade Commission (FTC)
- Your State Attorney General
5. Call Consumer Rights Law Firm PLLC
We will take immediate legal action to stop the harassment and pursue compensation for any FDCPA violations.
Can You Sue Stanislaus Credit Control?
Absolutely. If SCCS violated your rights under the FDCPA, you may file a lawsuit. You could recover:
- Up to $1,000 in statutory damages
- Additional money for stress or lost wages
- Legal fees paid by the collection agency
Even if you owe the debt, you still have the right to be treated fairly. Stanislaus Credit Control debt collection harassment is illegal, and justice is within your reach.
How Consumer Rights Law Firm PLLC Can Help
We are a national consumer protection law firm that helps individuals who have been harassed by debt collectors like Stanislaus Credit Control. Our legal team is experienced in FDCPA litigation, and we make the process simple, quick, and stress-free.
Why Choose Us?
✅ Free case review
✅ No upfront fees
✅ You don’t pay unless we win
✅ We stop the calls immediately
✅ We deal with the collectors on your behalf
Frequently Asked Questions
Q: Is Stanislaus Credit Control a legitimate company?
Yes, they are a licensed debt collector. However, this does not mean all of their actions are legal. Many complaints point to illegal collection tactics.
Q: What if I don’t owe the debt?
You have the right to dispute the debt in writing. SCCS must provide documentation proving you owe it. If they can’t, they must stop trying to collect.
Q: Can they call my workplace?
Only once to verify your employment. If you ask them not to call your job again, they must stop.
Q: What if I ignore them?
Ignoring them doesn’t make them stop — and may even make the situation worse. It’s better to assert your rights legally with help from our law firm.
Final Thoughts
You don’t have to suffer in silence. If you’re facing Stanislaus Credit Control debt collection harassment, you have powerful legal tools to make it stop — and to hold the company accountable for their actions.
At Consumer Rights Law Firm PLLC, we help consumers like you end the harassment, take legal action, and recover compensation.
