Credit Corp Solutions: How to Respond and Make Them Stop
If you just got a letter from Credit Corp Solutions and your first reaction was "who?" — you're not alone. Most people have never heard of them. But here's what matters: you have 30 days from their first contact to demand proof that you owe this debt. If they can't prove it, they have to stop collecting.
That right comes from FDCPA § 1692g, and it applies to Credit Corp just like every other debt collector operating in the United States.
This page explains who Credit Corp Solutions actually is, why they're contacting you, and the two letters that can shut down their collection efforts.
Who Is Credit Corp Solutions?
Credit Corp Solutions Inc. is a debt buyer headquartered in Norfolk, Virginia. But the company behind it is Australian — Credit Corp Group, publicly traded on the Australian Securities Exchange (ASX: CCP). They entered the US market in 2013 and have been growing aggressively ever since.
Here's what they do: Credit Corp purchases portfolios of defaulted consumer debt — credit cards, personal loans, auto deficiency balances, telecom bills — from major US banks and financial institutions. They buy these accounts for pennies on the dollar, then try to collect the full balance from you.
Because they're foreign-owned and relatively new to the US, most consumers who receive a Credit Corp letter have no idea who they are. That confusion is common, and it's worth addressing directly: they are a real, licensed debt collector. But being real doesn't mean they always have the paperwork to back up what they're claiming you owe.
When debt changes hands — especially across international corporate structures — records get lost, balances get inflated, and accounts get attributed to the wrong people. That's exactly why the FDCPA gives you the right to demand verification before paying anything.
What Credit Corp Can and Cannot Do
Under the Fair Debt Collection Practices Act (FDCPA), Credit Corp Solutions is subject to the same rules as every other third-party debt collector in the country.
They cannot:
- +Call you before 8 a.m. or after 9 p.m. (§ 1692c)
- +Call you at work if you tell them your employer doesn't allow it (§ 1692c)
- +Contact you at all after you send a written cease and desist (§ 1692c)
- +Use threatening, abusive, or obscene language (§ 1692d)
- +Misrepresent the amount you owe or their authority to collect (§ 1692e)
- +Threaten legal action they have no intention of taking (§ 1692e)
Each violation carries up to $1,000 in statutory damages under § 1692k, plus attorney's fees. Being backed by an Australian publicly traded company doesn't put them above US consumer protection law.
They can:
- +Contact you by mail, phone, or text (until you restrict it in writing)
- +Report the debt to credit bureaus
- +File a lawsuit to collect (within the statute of limitations)
Your 30-Day Validation Window — Don't Miss It
This is the deadline that can change everything.
Under FDCPA § 1692g, within 5 days of first contacting you, a debt collector must send a written notice that includes:
- +The amount of the debt
- +The name of the original creditor
- +A statement that you have 30 days to dispute it
If you dispute the debt in writing within those 30 days, Credit Corp must stop all collection activity until they send you verification. No calls, no letters, no credit reporting without a dispute flag — until they prove the debt is legitimate and that they own it.
For a debt buyer like Credit Corp, verification is a higher bar than they'd like you to think. They need to show the chain of ownership from your original creditor all the way to them, along with account records proving the amount is correct. Debts that have been sold multiple times often lack this documentation.
The clock starts from the date of their first contact — not when you read the letter. Move quickly.
Two Letters That Change Everything
Letter 1: Debt Validation Letter
This letter does three things at once:
- +Invokes your right under § 1692g to demand proof of the debt
- +Formally disputes the debt until they provide verification
- +Requires them to halt all collection activity while the dispute is pending
Credit Corp bought your debt from someone else. That means they need to produce the original account agreement, proof of the balance, and documentation of every entity that owned the debt before them. If any link in that chain is missing, they can't verify — and they can't collect.
Letter 2: Cease and Desist Letter
Under FDCPA § 1692c(c), you can tell any debt collector to stop contacting you entirely. Once Credit Corp receives your written cease and desist, they can only:
- +Send one final letter confirming they'll stop
- +Notify you of a specific legal action they plan to take
That's it. Anything else is a federal violation.
You can combine both letters into one document. DebtStrike generates your personalized Debt Validation + Cease and Desist letter in under 60 seconds.
How to Send It (This Part Matters)
Send your letter by USPS Certified Mail with Return Receipt Requested. Here's why:
- +Certified Mail gives you a tracking number proving the exact date they received it
- +The Return Receipt (green card) comes back with their signature
- +This is your proof if they violate the law after getting your letter
Keep everything — the tracking receipt, the green card, copies of the letter. If Credit Corp contacts you after that delivery date, you have documented evidence of a federal violation.
Do not call them to follow up. Do not email. Certified mail only.
Frequently Asked Questions
Who is Credit Corp Solutions and why haven't I heard of them?
Credit Corp Solutions Inc. is the US subsidiary of Credit Corp Group, a publicly traded Australian company (ASX: CCP). They entered the US market in 2013 and are headquartered in Norfolk, Virginia. Because they're relatively new to the US and foreign-owned, most American consumers have never encountered the name before. That doesn't mean they're a scam — but it also doesn't mean you should pay without demanding proof first.
Does it matter that Credit Corp is an Australian company?
Not when it comes to your rights. Credit Corp Solutions Inc. is a US-registered entity that operates on US soil and collects US consumer debts. That means the FDCPA applies to them in full, just like any American debt collector. Their parent company's country of origin doesn't give them any special exemptions or protections. You have the same 30-day validation window and the same right to a cease and desist.
Credit Corp says they bought my debt — do I still owe the original creditor?
No. When a debt buyer like Credit Corp purchases your account, the original creditor sells it and writes it off. You no longer owe the original company. But here's the key point: Credit Corp now has to prove they actually own the debt and that the amount is correct. Debts get sold and resold multiple times, and records get lost along the way. Demand the chain of ownership from your original creditor to Credit Corp. If they can't produce it, they can't collect.
Can Credit Corp Solutions sue me?
Yes — they can file a lawsuit if the debt is within the statute of limitations. In California, that's 4 years for most consumer debts. Check the date of your last payment on the original account. If more than 4 years have passed, the debt is likely time-barred. Sending a validation letter does not restart the statute of limitations or give them more time to sue. It's the opposite — it forces them to show their hand.
I got a letter from "Credit Corp" without the word "Solutions" — is that the same company?
Almost certainly yes. Credit Corp Solutions Inc. sometimes identifies itself simply as "Credit Corp" in collection letters and phone calls. They're the same entity. Whether the letter says Credit Corp or Credit Corp Solutions, your rights are identical. Check the letter for a Norfolk, Virginia address or references to Credit Corp Group to confirm, then respond with your validation letter.
The Bottom Line
Credit Corp Solutions may not be a household name, but they're aggressively expanding in the US market — buying up defaulted debt from major banks and coming after consumers who've never heard of them. The unfamiliar name catches people off guard, and that confusion works in their favor.
Don't let it. You have 30 days to demand proof of the debt. You have the right to make them stop contacting you entirely. Every contact they make after receiving your cease and desist is a federal violation worth up to $1,000.
One letter — sent certified mail — is all it takes.
Generate Your Debt Validation + Cease and Desist Letter →
DebtStrike letters cite FDCPA § 1692g and § 1692c by name. They are personalized to you and the specific collector. Nothing on this page is legal advice — it is plain-language information about your federal rights under the Fair Debt Collection Practices Act.