Credit Service Company, Inc.

Corporate structure

Who owns Credit Service Company, Inc.?

Credit Service Company, Inc. is an independent medical collection company with no publicly documented parent company.

Credit Service Company, Inc. collects and sues on accounts from: UCHealth hospitals and clinics (described in court records as a chief client), Hospitals, physician groups, clinics, EMT services, and dentists (over 95% of its clients are medical), Colorado hospital and clinic accounts statewide.

Proof checklist

What to check before you admit, pay, or ignore the lawsuit

A debt-buyer profile is useful only if it helps you act on the papers in front of you. Start with deadline and court track, then review these proof points before default pressure becomes the main issue.

Common issues to review may include whether the plaintiff can prove ownership chain, amount, standing or authority to sue, account documents, timing, service, and assignment paperwork. Answered helps you preserve and organize issues for review; it does not decide what arguments you should make. Consumer debt lawsuit defense in 32 states. Start free — Answered checks whether it can build your Answer before you pay anything. Check your deadline free before any paid packet decision.

Your next steps

What to do if Credit Service Company, Inc. is suing you

1. 1
   Find your deadline immediatelyYou have a limited number of days to file your Answer after being served — typically 20 to 35 days depending on your state. Missing this deadline results in a default judgment. Check your state’s guide for the exact deadline.
2. 2
   Demand the itemized bill and check the screeningRequest an itemized statement and compare it against your insurance explanation of benefits. Medical accounts often carry billing errors, insurance that was never billed correctly, or financial-assistance screening that never happened — a timely Answer keeps every one of those questions alive.
3. 3
   Check the statute of limitationsCollection plaintiffs sometimes sue on old accounts. If the limitations period in your state has run since your last payment or the charge-off date, you may have a complete defense. Look up the state guide for your jurisdiction.
4. 4
   File your Answer — even if you plan to settleFiling a timely Answer preserves all your defenses and gives you leverage to negotiate a better settlement. Do not ignore the lawsuit expecting it to go away. See your state’s defense guide.

Frequently asked questions

Common questions about Credit Service Company, Inc.

• Why is Credit Service Company suing me instead of my hospital?

  CSC collects on commission for medical providers and files suit in its own name under an assignment from the provider — court filings say UCHealth "irrevocably assigns" accounts to CSC when suit begins, while a CSC agent told one patient the hospital still owned the debt. Whether that arrangement makes CSC the proper plaintiff is the central question in a pending Denver class action. Demand proof of the assignment, and note that Colorado's 2024 law requires the original creditor's name to appear first in the caption.

• How many lawsuits has Credit Service Company filed?

  A 2025 academic court-data study counted 12,121 Colorado lawsuits by CSC from 2019 through 2023 — the most of any collector in the study — with $34.3 million in principal awarded, about $2.2 million in attorney fees, and garnishments requested in 4,683 cases. The majority of its wins were default judgments against patients who never responded.

• What should I check before paying a CSC lawsuit?

  Three things. First, the paperwork: Colorado law requires an assignee's complaint to attach the underlying agreement, an itemization, and the assignment — the pending class action alleges CSC's form complaints included none of these. Second, the bill itself: the named plaintiffs in that case disputed charges that insurance or Medicaid should have covered. Third, your protections: 3% cap on medical-debt interest, itemized-statement rights that pause collection, and discounted-care screening hospitals owed you if you were uninsured.

• Has Credit Service Company faced regulatory enforcement?

  No CFPB or Colorado attorney-general enforcement action was found (checked July 2026); it holds an active Colorado collection-agency license. It is, however, the defendant in a class action filed in Denver District Court in December 2020 challenging its assignment-based suing model — private litigation whose claims it denies and which had no published final outcome as of July 2026.

• How many CFPB complaints does Credit Service Company have?

  The CFPB database records 221 complaints under the exact name Credit Service Company, INC (all-time, checked July 2026), 84 of them from Colorado consumers, with medical debt the dominant category; some out-of-state entries appear to involve an affiliated Texas collector. Complaints are consumer-submitted reports, not verified findings of wrongdoing.

• Is Credit Service Company legit, or is it a scam?

  Legitimate — a licensed Colorado agency operating since 1947, BBB-accredited since 1997. Legitimate is not the same as proven: in court it must still document its authority to sue, an accurate itemized balance, and compliance with Colorado's medical-debt protections.

• What should I do if CSC sued me over a medical bill?

  Answer before your deadline — CSC's wins are overwhelmingly defaults. Demand the itemized bill and the assignment paperwork, check whether insurance or Medicaid should have been billed, dispute interest above Colorado's 3% medical-debt cap, and ask whether the hospital screened you for discounted care as the law requires. Each of those is a real question CSC's paperwork has to answer.

State defense guides

Sued by Credit Service Company, Inc.? Find your state