If you are getting constant calls from 781-694-9000, you are not alone. Thousands of people across the United States receive calls from this exact number every single day.
Let’s look at who is calling you, why they are calling, and how you can make them stop in a few simple steps.
Who is Calling From 781-694-9000?
This phone number belongs to Credit Collection Services (CCS), which also goes by the name CCS Offices or CCS Companies.
They are a real, licensed debt collection agency based in Norwood, Massachusetts. Because they are located in Massachusetts, they use the local 781 area code.
CCS collects unpaid bills for many different industries, including:
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Hospitals and medical providers
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Cable and internet companies
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Utility and energy companies
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Banks and credit card companies
Why are They Calling You?
If CCS is dialing your number, it is usually because of one of these reasons:
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An Unpaid Bill: You might have an old utility bill, an unpaid medical charge, or a credit card balance that you forgot about. The original company handed it over to CCS to collect the money.
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A Wrong Number: Debt collectors often have outdated contact lists. They might be looking for someone who used to own your phone number.
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A Spoofed Scam Call: Sometimes, scammers fake their caller ID to show “781-694-9000”. They do this to pretend they are the real CCS, hoping you will panic and pay them over the phone.
Common Problems People Report Online
Many people who get calls from this number share very similar experiences online:
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Silent Calls: You answer the phone, but there is only silence, and then the call drops. This happens because CCS uses automated dialers, and sometimes a live agent is not free to take your call.
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Aggressive Behavior: People report that if they call back, the representatives can be quite rude. They often demand your personal details, like your address or Social Security Number, before even telling you why they called.
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Constant Spamming: Many people get bombarded with calls multiple times a day, even after asking them to stop.
How to Stop the Calls and Protect Your Rights
The good news is that you have strong rights under a federal law called the Fair Debt Collection Practices Act (FDCPA). You do not have to tolerate constant harassment.
Here is what you should do:
1. Do Not Share Personal Details Instantly
If you pick up, never give out your bank details, Social Security Number, or address. Tell the caller that they must verify who they are first.
2. Ask for a “Debt Validation Letter”
By law, a collector must send you a written notice in the mail within 5 days of their first contact. This letter must show how much you owe and who the original creditor is. Do not make any payments until you have this letter in your hands.
3. Send a “Cease and Desist” Letter
If you want them to stop calling your phone, write a short letter stating: “I am requesting that you stop all phone calls and communication to me regarding this matter.” Send this letter to CCS via certified mail. Once they receive it, they are legally required to stop calling you.
4. Check Your Credit Report
Go to AnnualCreditReport.com and check your credit reports for free. If you actually owe a debt, it will show up there. If nothing is on your report, the call is likely a mistake or a scam.
5. Know What Collectors Cannot Do
Under the FDCPA, debt collectors are strictly banned from:
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Calling you before 8:00 AM or after 9:00 PM.
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Calling your workplace if you tell them your boss does not allow it.
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Using abusive language, threats, or harassment.
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Discussing your debt with your friends, family, or neighbors.
If CCS breaks any of these rules, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or contact a consumer rights lawyer. You might even be entitled to cash damages if your rights were violated.
