Statewide Credit Services Corp. is a Garden City, New York collection agency that has collected for professional practices and small businesses since 1989. Contact from it usually concerns a dental, medical, school or service bill.
- Type
- Collection agency
- Also known as
- Statewide Credit Services Corp.; SCS
- Headquarters
- Garden City, NY
- Collects
- dental bills, medical bills, school tuition, professional and business service bills
- Phone numbers it lists
- (516) 546-1447
- Website
- statewide-credit.com
34 debt collection complaints were sent to the Consumer Financial Protection Bureau about Statewide Credit Services Corp. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Statewide Credit Services?
Statewide Credit Services Corp. (SCS) is a collection agency at 734 Franklin Avenue, Suite 471, Garden City, New York 11530, on Long Island. Its website lists (516) 546-1447 as its phone number and says the company was established in 1989. The site shows a New York City Department of Consumer and Worker Protection collection agency license (2125316-DCWP; the site also displays NYC number 2090534) and California license number 10937-99. The About page says the company focuses on consumer and commercial professional-service claims, and that it is the preferred collection agency of the Nassau County Dental Society.
Why Statewide Credit Services May Be Contacting You
SCS works mostly for local practices and businesses rather than big banks. Its website names school tuition, dental bills and medical bills among the debts it handles, and client testimonials on the site come from a surgical group, an HVAC company, animal hospitals, an abstract services firm and a property management company. So a letter from SCS usually concerns a bill from a dentist, doctor, veterinarian, school, contractor or similar provider. Besides collection letters and calls, the company lists skip tracing, asset location, credit reporting and litigation among its services, which means an unresolved account may be reported or referred for a lawsuit.
How to Check a Debt Statewide Credit Services Says You Owe
Bills from small practices are easy to check against your own records, so start there:
- Get the validation notice. It must name the practice or business, itemize the amount and explain how to dispute it (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Match the bill. For dental or medical work, compare it with your treatment plan, estimates and your insurer's explanation of benefits. For tuition or a service contract, pull the signed agreement and any cancellation notice.
- Dispute in writing within the validation period if the work wasn't done, insurance should have paid, or a refund is owed. See how to dispute a debt.
- Talk to the provider. Small practices sometimes resolve billing errors directly; ask them to confirm in writing and to tell SCS.
- Check the age. In Texas, most suits on a debt must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). New York and other states set their own limits.
What Statewide Credit Services Can and Can't Do
An agency collecting consumer bills for other businesses is a "debt collector" under 15 U.S.C. § 1692a(6). When collecting a personal dental, medical or tuition bill, SCS:
- May not discuss the bill with your employer, co-workers or relatives except to locate you (15 U.S.C. § 1692c(b)); see who a collector can contact.
- May not add collection fees unless your agreement with the provider or the law permits them (15 U.S.C. § 1692f(1)).
- Must not report the debt to a credit bureau before it has contacted you (12 C.F.R. § 1006.30(a)), and must report a dispute it knows about (15 U.S.C. § 1692e(8)).
- May not threaten a lawsuit the client has not authorized or does not intend (15 U.S.C. § 1692e(5)).
We did not find a CFPB enforcement action against Statewide Credit Services.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Statewide Credit Services or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Statewide Credit Services: home page
- Statewide Credit Services: About us
- CFPB enforcement actions (full list reviewed)
- CFPB Consumer Complaint Database: Statewide Credit Services Corp., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Statewide Credit Services has violated any law. Company details change; tell us if something here is out of date.