Serving with Integrity

CCS is an independent professional collection agency established in 1974 whose mission is to be honest and adhere to a pattern of good works for our clients, all the while being empathetic and respectful to their consumers. 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 to collect 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.

CCS’s certified professional collection specialists are committed to ACA’s Code of Conduct calling consumers Monday through Saturday, 8 AM- 9PM EST to collect monies due our clients by using reasonable and respectful collection efforts. For their convenience, consumers are provided an online payment portal where they can make payment using electronic check or payment card 24/7. CCS utilizes state of the art technology including inbound/outbound predictive dialers, voicemail box drop, skip tracing, and credit scoring for predictability to collect. Locally owned, providing accountability, and in business for more than forty years, CCS produces results—not promises and is dedicated to serving our clients with integrity.

Code of Conduct

CCS voluntarily commits and aligns our practices with ACA International Values:
  1. Leadership, Integrity, Respect, Responsibility, Service, and Education.
CCS is committed to the principles and agrees to:
  1. Service all accounts using a process that is consistent with the expectations of all healthcare providers and clients.
  2. 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.
  3. 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.




4530 Old Cave Spring Road, SW
Roanoke, Va. 24018

Mailing Address

PO Box 21504
Roanoke, Va. 24018