Christmas Bows

Research shows that the average American is expected to spend $847 this Christmas.  This figure was determined after averaging three major research group's poll results. 

Although only two of three groups agreed on the amount, they each agreed the amounts will increase from Christmas of 2014.  

What does this mean since the real median household income in the U. S. has been steadily declining?  

It means Americans should probably learn to live within their means and have a smaller Christmas.

Michael Snyder published an article entitled “Goodbye Middle Class: 51 Percent Of All American Workers Make Less Than 30,000 Dollars A Year.”  In that article, he included newly released figures by the Social Security Administration.  As you can see, the quality of our jobs is not great…

-38 percent of all American workers made less than $20,000 last year.

-51 percent of all American workers made less than $30,000 last year.

-62 percent of all American workers made less than $40,000 last year.

-71 percent of all American workers made less than $50,000 last year.

"Without a doubt, most American families should not be spending hundreds of dollars a year on Christmas gifts" -Michael Snyder


There are an increasing number of Americans who have given up the tradition of Christmas gift giving all together.  Others have turned to drawing names, playing the popular "Dirty Santa," or other such Christmas games that allows everyone who chooses to be part of a fun activity, plus they give and receive a gift.  For the most part though, Americans are still satisfied with their over indulgence of celebrating Christmas by overspending, which ultimately means that creditors will be receiving a little bit less in payments for debt owed to them.

What our clients are saying:

Excellent Results

"We have been using Credit Service Company since July of 2011.  During this time, I have been nothing but pleased with the service we receive. "

Good Experience

""Our company has had very good luck using Credit Service Co. to collect on past due bills. We have had an all-around good experience." - Ellen S.  "

Great Service

""Great Service!" -Janice L.  "

Always Satisfied

""I have been using Credit Service for my collection needs for over 20 years and have always been well satisfied with their service." - Steve Mcallister, owner, Royal Janitorial "

Friendly and Helpful

""We have been using Credit Service Company for many years and are very happy with their service…so friendly and helpful!" -Leslie S.  "

Always Very Professional

"Have been working with this company for years.  Always VERY professional.  Keep up the great work!"

Great Company and Great People

"Great company and great people!! Thank you for your efficiency and courtesy!" - James K."

Provide Excellent Customer Service

"I am pleased to recommend the services of Credit Service Company.  Our emergency medical clinic has used Credit Service Company for the past 9 years.  During this time, they have always provided excellent customer service to our customers and given us no cause for complaint.  We have found them to be sincere, professional, and efficient in the collection of accounts. ~Emergency Medical Clinic Business Office Manager"

Very Helpful in Advising

"I wholeheartedly recommend Credit Service Company.  They have been instrumental in collecting fees owed that otherwise would have been lost to me.   "

"Proficient at handling large volumes of past-due accounts."

"During my 30+ year tenure as a Business Office Manager for a flagship hospital, a very solid and profitable business relationship was maintained with Credit Service Company. "

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