Is Sunrise Debt Collector Scam Or Legit? Find Out!

Have you heard of Sunrise Debt Collector otherwise known as Sunrise Credit Service? Do you want to know what is all about? Do you want to know if is a scam or legit debt collection agency? Read this review to find out more about Sunrise Debt Collector.

What is Sunrise Debt Collector

This is a debt collection agency that collects unpaid debts from customers on behalf of their creditors. The creditors might include banks, or utility companies.

They might appear on your credit reports as Collections accounts, If a collections is on your credit account it is damaging your credit score.

Sunrise Credit Services was started by the Doane family in 1974. It is proudly family-owned and operated to this day.

Once a collection account is added to your credit report, your score will be damaged for seven years regardless of payment.

More about Sunrise Debt Collector

Sunrise Credit services purchases your your unpaid debts from the original creditor at a discounted rate, and once they purchase the debt they have every right to collect from you whatever way they deem fit and this includes litigation. However they will not sue you until every other means has been exhausted.

Sunrise Debt Collector Services

Sunrise Credit Services offers a variety of services and this include,

  • collection of debt
  • enforcing payment
  • negotiating with creditors
  • offering legal assistance
  • setting up payment plans

Is Sunrise Debt Collector Scam Or Legit?

So many people have been complaining online about receiving calls, texts from Sunrise Debt Collector when they are already done paying their debt. While some claimed they were not owing but received a call from Sunrise. Apparently, Sunrise Debt Collector is harassing Non debtors with calls and messages and this is really getting on the nerves of these innocent folks. Some of these affected people had this to say:

No matter how many time we tell them the person they are calling for does not live here, they keep calling! Harassment pure and simple


Steps to Take If You Are Being Harassed By Sunrise Credit Services

If you are being harassed by a debt collection agency for a debt you do not owe, it can be distressing and important to take action to resolve the situation. Here are steps to consider taking in such a situation:

Request Validation of the Debt:

Under the Fair Debt Collection Practices Act (FDCPA) in the United States, you have the right to request validation of the debt. Send a written request to the debt collection agency within 30 days of their initial contact asking for verification of the debt, including details of the original creditor and the amount owed. Be sure to send this request via certified mail with a return receipt.

Document All Communication

Keep detailed records of all communication with the debt collection agency. This includes dates, times, names of individuals you spoke to, and what was discussed. These records can be crucial if you need to dispute the debt.

Check Your Credit Report:

Obtain a copy of your credit report to see if the alleged debt appears there. You are entitled to a free credit report from each of the three major credit bureaus once a year. If the debt is listed, dispute it with the credit reporting agencies.

Report Harassment

If the debt collection agency continues to harass you, report their behavior to the Consumer Financial Protection Bureau (CFPB) and your state’s attorney general’s office. The FDCPA prohibits certain tactics, such as making repeated harassing calls, using abusive language, and making false claims.

Consult an Attorney

If the situation persists, consult with an attorney who specializes in consumer law or debt collection issues. They can help you understand your rights and take legal action on your behalf.

Write a Cease and Desist Letter

If you believe the debt is not valid, you can write a cease and desist letter to the debt collector requesting that they stop contacting you. Send it via certified mail with a return receipt. While this may stop the calls, it doesn’t necessarily resolve the underlying issue of the debt’s validity.

File a Complaint

If the issue remains unresolved, you can file a complaint with the Federal Trade Commission (FTC), the CFPB, or your state’s attorney general’s office. They can investigate and take action against abusive or illegal debt collection practices.


It’s important to address this issue promptly, as harassment by a debt collection agency can have a negative impact on your well-being. Protect your rights, document all interactions, and seek legal advice if necessary to resolve the situation and clear your name of any unjust debt claims.

Sunrise payment Center is legit. However, before making any payments ensure the debt is actually yours. If it isn’t, and it’s on your credit report, dispute and remove it with help from an expert (like Credit Glory).

Do this If you have been Scammed!

Have you been Scammed? Here are some things to do if you’ve been scammed.

Contact your bank and and file complaints also request for a new debit card. If you used Paypal as a method of payment you should document the transactions for future purposes, you can do this by keeping a screenshot.

In as much as online shopping has made life easier and simpler, one ought to be careful when ordering things online to avoid the risk of a hacked credit card and overcharged fees. Before ordering things from an online store check out the following.

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