Sunrise Credit Services, Inc.

Sunrise Credit Services: The Bottom Line

Sunrise Credit Services, Inc. is a real debt collection agency based in Melville, New York. It collects unpaid bills for other companies, such as banks, credit card issuers, and phone or internet providers.

If Sunrise contacts you, you have the right to ask for proof of the debt before you pay anything. Tayne Law Group has resolved Sunrise accounts for clients, and you can start with a free phone consultation.

Who Does Sunrise Credit Services Collect For?

Sunrise is a family-owned company that has collected debts since 1974. It works for creditors across the country, and the accounts it handles include credit cards and phone or internet bills.

For example, Tayne Law Group has negotiated a Sunrise account where the original creditor was Bank of America. Your first notice from Sunrise should name the company you owe now, so read it closely.

Is Sunrise Credit Services a Scam?

No. Sunrise is a legitimate collection agency and has been accredited by the Better Business Bureau (BBB) since December 2012.

Scammers sometimes pretend to be real collectors, though. If you get a call you are not sure about, hang up and call Sunrise back at (800) 208-8565 before you share bank details or make a payment.

What Is Sunrise Credit Services’ Reputation?

As of September 2026, Sunrise has a B rating from the BBB and 508 complaints in the last three years, with 195 closed in the last 12 months. Most were about billing.

Customer reviews average 1 out of 5 stars across 44 reviews. As of September 2026, the BBB also notes that it posts only 1 of every 5 complaints about Sunrise because of the high volume.

Many complaints say Sunrise did not send proof of a debt when asked, or kept a paid or disputed account on a credit report. You can read complaints yourself in the Consumer Financial Protection Bureau’s Consumer Complaint Database.

What Should You Do If Sunrise Credit Services Contacts You?

The Fair Debt Collection Practices Act (FDCPA) (a federal law that sets rules for debt collectors) protects you no matter what Sunrise says you owe. Collectors cannot harass, threaten, or lie to you. Take these steps:

1. Do not pay or agree to anything on the first call. Ask Sunrise to send the details in writing.
2. Read the validation notice. It should show the amount owed, the original creditor, and the company you owe now.
3. If anything looks wrong, dispute the debt in writing by the deadline on the notice. The CFPB offers sample letters you can use. Send yours by certified mail.
4. Check your credit reports and dispute any errors with the credit bureaus.
5. Find out how old the debt is. It may be past the statute of limitations (the legal time limit to sue).
6. Keep a log of every call and letter, with dates and names.
7. Report problems to the CFPB or the New York Attorney General. The Federal Trade Commission (FTC) also explains your debt collection rights.

Can Sunrise Credit Services Sue You?

Sunrise mainly collects by phone and mail. If the debt stays unpaid, the company that owns it, or a law firm working for it, may file a lawsuit.

If a court enters a judgment against you, the creditor may be able to garnish your wages or freeze your bank account. Never ignore court papers, and get legal help right away.

How Tayne Law Group Can Help With Sunrise Credit Services

Tayne Law Group is a debt relief law firm led by Leslie H. Tayne, Esq. We review your account, check whether the debt is valid, and negotiate with Sunrise and the creditor for you.

In one case, a client’s Bank of America account was placed with Sunrise with a balance of $23,862.66. We resolved it for $7,200. Every case is different, and results depend on your situation.

We also help clients contacted by other collectors, including Phillips & Cohen Associates, American Coradius International, Alpha Recovery Corp, and Credit Control. Call 866-890-7337 or request a free phone consultation.

Sunrise Credit Services FAQs