If you received a phone call or written correspondence from EOS CCA, it is a legitimate collection agency.
Although that’s not to say the debt they’re attempting to collect is legitimate.
The worst strategy in dealing with collections is to ignore them.
That’s because a collection account can sit on your credit report for up to seven years from the date the account first became delinquent.
The only way to improve the situation is either to pay the debt or challenge the legitimacy of the debt and have it removed from your credit report entirely.
Dealing with EOS CCA is not a single action, but rather a combination of strategies.
What is EOS CCA?
Based in Norwell, Massachusetts, EOS CCA has been in business since 1991.
Little information about the company is available either on their own website or through the Better Business Bureau.
The company describes itself as a “premier agency for all stages of receivables management.”
But, first and foremost, EOS CCA is a collection agency, which is clearly indicated on the homepage of their website.
They list organizations they perform collection services for as including banks, colleges and universities, student loan lenders, telecommunications companies, and other organizations.
That means EOS CCA could be attempting to collect a debt for any number of different businesses or institutions.
Is EOS CCA a Legitimate Company?
EOS CCA has a Better Business Bureau rating of “A+”, which is the highest rating the agency gives, on a scale running from A+ to F.
That means EOS CCA is a legitimate collection company.
How to Deal with EOS CCA
As discussed in the opening section, you’ll need to employ a multistep strategy in dealing with EOS CCA.
Below are the steps we recommend you take, starting with attempting to deal with them directly yourself, up to and including getting representation from credit professionals.
After reading this article, you’ll need to decide if you want to use the do-it-yourself approach or turn it over to professionals.
That includes assessing whether you feel capable of taking on a collection agency yourself, or if you’d be better served by getting representation.
You can even start out attempting to work out a solution on your own but hire a credit repair professional if you feel the task is more than you originally believed it would be.
Avoid Telephone Communication
Phone conversations work in a collection agent’s favor and against the consumer.
That’s because the collection agency knows how to put you in a defensive position, but also because they typically record all phone conversations.
And yes, the information you disclose in a phone call can be used against you in a lawsuit.
At most, you should have just one phone conversation with EOS CCA, and that’s perhaps an initial phone from them to you.
That’s it—avoid any additional phone calls after that.
Continue Communication in Writing
There are two reasons for this:
1) to give you greater control over the information you provide (which is easier to do in a letter than it is in a phone call), and
2) to provide a paper trail of all communications with the collection agency. That will not only make agreements clear, but the letters can also be used if the collection agency seeks legal action against you.
All correspondence from you should be concise and mailed by certified mail, return receipt requested.
Also, you’re entitled to request communication from a collection agency to be limited to mail under federal law.
Demand a Debt Validation Letter
One of your rights under federal law is to have a collection agency provide you with full details of any debt they claim you owe.
You can demand a debt validation letter from EOS CCA, which will provide all relevant details of the debt.
A debt validation letter should provide all information concerning the debt, including the name of the original creditor, the date the account went into collection, the amount of the debt, and information that clearly connects you to the obligation.
If they either fail to provide a debt validation letter, or it comes back missing significant details, you can demand EOS CCA halt further collection actions and delete any negative information reported to the credit bureaus.
If You Have Paid the Debt: Request a Goodwill Deletion
A goodwill letter is exactly what it sounds like—you’re writing the collection agency and asking that they delete the negative information from your credit report.
This will work only if you have paid the debt. But, paying off a collection account doesn’t make it disappear from your credit report.
Again, a collection account will remain on your credit report for up to seven years after the date it first went delinquent.
However, you may be able to write a convincing goodwill letter, requesting that EOS CCA delete the collection account from the three credit bureaus: Experian, Equifax and TransUnion.
In a real way, you are throwing yourself on the collection agency’s mercy.
The letter will be more convincing if you can provide a reasonable explanation for why the account went to the collection in the first place.
For example, if you are unable to pay the debt because of extenuating circumstances such as:
- job loss
- death in the family
- health event
…that will help your case.
Be sure to remember that this type of letter is a request, and should never be presented as a demand.
A creditor is under no obligation to delete a negative credit entry simply because you have paid the debt.
All they’re required to do is report the debt as paid, but it will stay on your credit report as a paid collection account for the full time allowed.
There’s no guarantee EOS CCA will grant your request, but it’s always worth asking.
If You Have Not Paid the Debt: Offer a “Pay-for-Delete” Agreement
This is a strategy you might employ with an open collection account.
Since EOS CCA obviously wants to get paid on the collection account, they may be willing to delete the collection account on your credit report in exchange for payment of the debt.
You can make this request by sending the company a pay-for-delete letter.
The letter will be a proposal in which you offer to pay the debt in exchange for EOS CCA removing the collection information from your credit report.
To make this happen, you’ll almost certainly need to pay the full amount of the collection account balance.
A collection agency is highly unlikely to delete a collection account from your credit report if you only made a partial payment.
Also, be aware that pay-for-delete agreements are not legally binding.
EOS CCA could agree to your written request for the arrangement, accept full payment of the debt, but refuse to remove the collection account from your credit reports.
You’ll have no legal recourse, even if EOS CCA agreed to the arrangement in writing.
Like sending a goodwill deletion request, a pay-for-delete request is worth trying.
Obviously, this will only work if you have the money to make full payment on the debt.
Never Make Promises
If you promise to make payment and fail to do so, they can use that as evidence against you in court.
This is one more reason why you should never speak with collection agents by phone.
They’re skilled at pressuring consumers into making payment promises they can’t keep.
If The Debt Is Not Yours: Demand Deletion
We touched on this strategy earlier, but it requires a deeper discussion.
If EOS CCA can’t verify the debt or provide full details of the obligation, you can demand they remove it from your credit reports.
Legally, that’s what EOS CCA is supposed to do. If they don’t, you can send a copy of the partially completed debt validation letter—or your own letter explaining that EOS CCA failed to provide debt validation—to the three credit bureaus.
They’ll have 30 days to follow up on your dispute with EOS CCA. If they get the same result from the company, they’ll delete the negative entries from your credit report.
But, even if the credit bureaus delete the information, EOS CCA may still pursue you for payment of the debt.
If that happens, it may be time to bring in professional help.
Know Your Rights
The Fair Debt Collection Practices Act (FDCPA) provides consumers with certain protections from collection agency abuses.
You can learn these protections by reading the Debt Collection FAQs provided by the Federal Trade Commission (FTC).
Just knowing your rights under federal law can give you the upper hand when a collection agency starts getting ugly.
Now let’s move on to specific strategies you can use in dealing with EOS CCA.
Hire a Professional
If don’t feel up to the task of taking them on yourself it’ll be time to get professional help.
For example, you can engage the services of a good credit repair company.
These companies are accustomed to dealing with collection agencies.
They’ll likely have better success in resolving the debt situation and getting your credit repaired than on your own.
However, if EOS CCA threatens you with legal action, you’ll need to get legal representation.
If they’re successful in getting a judgment against you, they’ll be able to garnish your wages. That’s why you’ll need the services of an attorney.
A good choice for this purpose is a credit law firm, like Lexington Law.