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About Us

Serving with Integrity-

CCS is an independent professional collection agency established in 1974 providing results—not promises and dedicated to serving our clients with integrity. Our expertise and experience in collecting your past due accounts provide assurance of our agency’s understanding and compliance with the federal Fair Debt Collection Practices Act, as well as, state and local laws.  CCS is licensed in multiple states with its staff and certified collection specialists bonded and professional liability insurance carried through our trade organization, ACA International, the Association of Credit and Collection Professionals. 

Code of Conduct-

CCS voluntarily commits and aligns our practices with ACA International Values:
-Leadership, Integrity, Respect, Responsibility, Service, and Education.
CCS is committed to the principles and agrees to:
-service all accounts using a process that is consistent with the expectations of all healthcare providers and clients.
-collect patient and consumer accounts in a fair, consistent manner that reflects the public’s high expectations from healthcare providers and clients and the collection agencies who community with their patients and consumers. 
-uphold the Healthcare Collection Servicing Practices Statement of Principles and Guidelines promulgated by the Board of Directors of ACA International to the best of its ability.

ACA Collector’s Pledge-

As encouraged by ACA International, the Association of Credit and Collection Professionals, all collection specialists at Creditors Collection Service, Inc., have made a voluntary, personal commitment to treat consumers with dignity and respect in every aspect of their work.  It is a reflection of CCS’s values and the paramount importance to adhere to professional practices:

The Collector’s Pledge-

I believe every person has worth as an individual.
I believe every person should be treated with dignity and respect.
I will make it my responsibility to help consumers find ways to pay their just debts.
I will be professional and ethical.
I will commit to honoring this pledge.

Creditors Collection Service, Inc., agrees to uphold our Associations Mission:

ACA International contributes to the success of its members and the positive reputation of the credit and collection industry through education, advocacy, and services.


As members of ACA International, Creditors Collection Service, Inc., agrees to uphold our Association’s Mission and Values as a condition of membership. This Code offers guidance to members regarding our business conduct with respect to the credit and collection related products and services we offer, and memorializes our commitment to our Association’s Mission and Values. Our commitment supports the integrity and honor of the profession, engendering respect for it. CCS understands and agree these Code provisions are promulgated to encourage, not to restrict, competition in the credit and collection industry and to benefit those consuming member goods and services by setting acceptable standards for member activity.

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