How to Make Payments to Credit Collection Services (CCS)

If you have an account in collections with CCS, you will need to make payments to them directly. CCS is one of the largest debt collection agencies in the nation. They work to recover past due debts on behalf of original creditors and creditors who have charged off accounts.

When your account gets sent to CCS collections, you will need to work with them to repay the debt. Here is an overview of how to make payments to CCS for collection accounts and some tips for working with them.

Payment Options with CCS

CCS offers several payment options to fit your budget and preferences:

• Online Payments – Pay instantly on CCS’s website using debit card, credit card or bank account.

• Phone Payments – Call CCS’s automated payment line or speak to a representative to make a payment

• Mail-In Payments – Send a check or money order to CCS’s payment processing address.

• In-Person Payments – Visit a CCS local office to make cash payments (select locations only)

• Automatic Payments – Set up recurring payments from a bank account.

Below we will explore each of these CCS payment options and how to use them.

Paying Online

The quickest way to pay CCS is through their online payment portal at www.ccsusa.com. You will need your CCS account number to log in.

On the portal, you can:

• Make one-time payments by debit card, credit card, or bank account

• View payment history and access receipts

• Enroll in automatic payments from a bank account

• Update your contact information

Online payments process instantly when submitted during business hours. It’s the most convenient way to pay your collections account.

Paying by Phone

You can call CCS toll-free at 1-800-909-8093 to make payments over the phone. The automated system is available 24/7 for quick one-time payments.

Or you can speak with a live representative from 8am to 8pm ET on weekdays. The agents can help with:

• One-time manual payments

• Setting up recurring automatic payments

• Answering account questions

• Arranging alternative repayment plans

So the phone system allows flexibility in how you pay.

Mail-In Payments

To submit CCS payments by mail, send a money order or check to:

CCS
Attention Payment Processing
725 Canton St.
Norwood, MA 02062

Be sure to include your CCS account number on any mailed payments. Allow 7-10 business days for mail payments to process and avoid late fees.

In-Person Payments

Some CCS local branch offices accept cash payments in-person. Contact your regional office to see if they offer over-the-counter payments before visiting.

You will need to show a payment coupon or account number. In-person payments credit your account fastest, usually within 1-2 business days.

Setting Up Automatic Payments

One of the easiest ways to manage CCS payments is to set up automatic monthly payments from your bank account. You can enroll on the website or through the automated phone system.

With automatic payments, the fixed payment amount is simply withdrawn from your account each month on the due date. This prevents you from having to manually make payments.

Just be sure you have enough in your account each month to cover the payment and associated fees. If the auto-payment fails due to low funds, you may incur late fees.

Tips for Paying Your CCS Account

Here are some tips for effectively managing payments to your CCS collections account:

• Set up automatic payments from your bank account to ensure on-time payments each month.

• Login and check your account online to view balance, payment history, etc.

• Call CCS immediately if you ever need to update payment information, discuss hardship options, or ask questions.

• Don’t ignore calls or letters from CCS – work collaboratively with them on repayment.

• If you absolutely cannot make a payment one month, call ahead of time to potentially have late fees waived.

• Pay at least the minimum monthly payment listed on your statement to avoid additional late fees.

• Make extra principal payments when possible to pay down your balance faster.

As long as you stay current on your monthly payments, you can avoid further late fees and penalties. Communicate with CCS anytime you need payment assistance or adjustments.

What Happens if You Default on Payments?

It’s important to keep up with your CCS payments each month. If you default, CCS may take actions like:

• Sending your account to another collection agency

• Filing a lawsuit against you to recover the debt

• Garnishing your wages or levying your bank account

• Continuing to report late payments to credit bureaus, further damaging your credit.

Don’t let your account get into default status. Contact CCS immediately if you foresee any issues making payments going forward. Avoiding legal action depends on your continued cooperation.

Negotiating Payment Plans with CCS

If the monthly payment amount CCS requests is not feasible for your budget, you may be able to negotiate an alternative payment plan.

Some common options include:

• Lower monthly payments spread out over a longer repayment term

• Lump sum settlements for a reduced payoff amount

• Temporary hardship programs to suspend payments

• Removing late fees and interest to make the balance more affordable

The best way to request a customized repayment plan with CCS is to call and politely but firmly explain your financial situation. Any negotiated deal would need to be formally approved before taking effect.

Paying off collection accounts can improve your credit and prevent legal action. CCS offers flexible payment options to fit any budget. Setup automatic payments or manually pay each month on time. Communication is key – call CCS right away if you ever anticipate missing payments or need account assistance. Consistently making payments demonstrates good faith effort to resolve your debt obligations.