1 /5 Jonathan Brown: This place is cut-throat. If you have writing skills report them to the Consumer Finance Protection Bureau (CFPB), the Better Business Bureau, the Federal Trade Commission, and the Attorney General. Its time-consuming but worth it. YCCS will mess your life up and are shady with their business tactics. They pull all the dirty tricks in the books to increase debt interest rates. I recommend to do your research and hold this unethical/dishonest collection agency accountable. Dispute your debt in writing with them and they by law have to respond. Ask for debt validation in writing as soon as they contact you. Its always better to respond to them immediately, keep your dialogue in writing, not over the phone; and know they by law have to respond to you immediately. Do your research!