Should I Pay CRS Debt Collectors (Credit Resource Solutions)?

Dealing with debt collectors can be scary. Getting a letter or a call from CRS Debt Collectors (Credit Resource Solutions) might make you worried. Don’t fret. Each month, over 12,000 people come to this site for help with their money worries.

In this article, you’ll find answers to things like:

• Who are CRS Debt Collectors and do you need to pay them?
• Can you make your repayments smaller?
• What should you do if CRS contacts you?
• What can CRS Debt Collectors legally do?
• How can you stop CRS from getting in touch with you?

We know that dealing with debt collectors can be hard as some of our team have had the same worries, so we know how to help you. Let’s get started and find out more about how to handle CRS Debt Collectors.

Should you pay CRS Debt Collectors straight away?

No. You don’t have to pay CRS Debt Collectors straight away. But don’t ignore things either. Instead, seek free impartial advice from a debt charity and ask CRS to ‘prove’ the debt is yours.

You should only admit, sign or pay anything to CRS once they’ve proved you owe the money. Then, you should try to negotiate an affordable repayment plan with CRS!

What should you do when CRS contacts you?

You should ask CRS Debt Collectors to prove the debt is yours before you admit, sign, or fork out any money to them. You have the right to make this request and CRS must respect it!

Do not accept verbal confirmation that the debt is yours. It’s not good enough for CRS to simply say, ‘we know the debt is yours’! Debt collection agencies must provide written, authenticated proof that you owe the money.

If CRS can’t ‘prove’ the debt is yours, they can’t make you pay!

You could report CRS to the Financial Ombudsman Services (FOS) if CRS continues to harass you!

What happens if you keep ignoring debt?

CRS Debt Collectors could advise the original creditor to sue you in a small claims court if you ignore them. You could end up with a CCJ on your credit history if the original creditor follows through on the threat of legal action!

What can CRS Debt Collectors legally do?

CRS like all regulated debt collection agencies must follow the law and the Code of Practice when recovering debts.

Not all do!

So, it’s important to know your rights and what CRS can and cannot do when they contact you.

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Can you stop CRS Debt Collectors from contacting you?

No. CRS Debt Collectors have the right to contact you over an alleged debt. But you can dictate the terms of how and when they do!

So, if you prefer to deal with the matter in writing only, you can write a letter to CRS asking them to respect your wishes. If they choose to ignore your request, it could be seen as CRS harassing you!

It’s against the law for debt collectors to harass you over an alleged debt!

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How do you contact CRS Debt Collectors?

I’ve listed CRS Debt Collectors’ contact details here: