Sunrise Credit Services: Who They Are and Your Rights

Type

Collection agency

Also known as

Sunrise Credit Services, Inc.

Collects

accounts for credit grantors, accounts owned by debt buyers

Phone numbers it lists

(800) 645-9824, (866) 298-9125

Website

sunrisecreditservices.com

4,439 debt collection complaints were sent to the Consumer Financial Protection Bureau about SUNRISE CREDIT SERVICES, INC 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 Sunrise Credit Services?

Sunrise Credit Services, Inc. calls itself an accounts receivable management firm that acts on behalf of many creditors. According to its website, the Doane family started the company in 1974 and it remains family-owned; Diane Doane-Plowman, who has worked there since it opened, is listed as CEO and owner. The company says it operates from a single 45,000-square-foot headquarters in New York, with a disaster-recovery site in Woodbury, New York. Its mailing address is P.O. Box 9004, Melville, NY 11747-9004.

The website lists NMLS number 938371 and a Nevada Financial Institutions Division license (CAD11051). Sunrise is part of what it calls the "Sunrise Family of Companies," which also includes NetTel USA Inc. and Sunrise Capital Management.

Why Sunrise Credit Services May Be Contacting You

Sunrise's FAQ answers this question directly: you may have an account with one of its clients. The company says it serves "credit grantors and debt buyers from across the country," and its services page lists third-party collections, a national attorney network for litigation collections, early-out programs and first-party customer care. In other words, Sunrise may be calling on behalf of the company that originally gave you credit, or on behalf of a debt buyer that bought the account later.

The phone number Sunrise publishes for collection questions is (800) 645-9824. Its automated pay-by-phone line is (866) 298-9125. Its letters and portal use an "SCS account number" to identify your file.

How to Check a Debt Sunrise Credit Services Says You Owe

Because Sunrise works for both original creditors and debt buyers, the first thing to learn is who actually holds the account today. The validation notice required by 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34 must name the current creditor, and if the debt was sold it should show the creditor as of the itemization date.

• Match the SCS number and the original account number against your own statements before giving any information.
• If you disagree with anything, send a written dispute before the deadline on the notice. Sunrise's FAQ says it will work with its client and forward validation from the creditor "if appropriate"; a timely written dispute requires it to pause collection until that happens.
• Ask for the itemization: the balance at charge-off, then interest, fees, payments and credits since.
• If a debt buyer owns the account, the date of your last payment matters a great deal. Texas generally allows four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt there (Tex. Fin. Code § 392.307). Other states' limitation periods vary. Read more on the Texas statute of limitations.

What Sunrise Credit Services Can and Can't Do

Sunrise collects debts owed to others, so it is a "debt collector" under 15 U.S.C. § 1692a(6) of the FDCPA. A few rules that come up with agencies like this:

• It can call only between 8 a.m. and 9 p.m. your local time, and not at work if it knows your employer forbids it (15 U.S.C. § 1692c(a)).
• Regulation F presumes a violation after more than seven calls in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
• Its services page mentions an attorney network for litigation. A collector may not threaten a lawsuit that isn't actually intended, or any suit on a time-barred debt.
• Paying part of an old debt to a buyer doesn't revive it under Texas law (Tex. Fin. Code § 392.307).

If you've been sued, see our debt lawsuit questions. If the calls themselves crossed a line, our FDCPA attorneys can review them.

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 Sunrise 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

• Sunrise Credit Services: About
• Sunrise Credit Services: FAQ
• Sunrise Credit Services: Contact
• Sunrise Credit Services: Payment center
• Sunrise Credit Services: Our services
• CFPB Consumer Complaint Database: SUNRISE CREDIT SERVICES, INC, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Sunrise Credit Services has violated any law. Company details change; tell us if something here is out of date. Lea este perfil en español.