Certified Credit & Collection Bureau or CCCB is a third-party collection agency based in New Jersey. CCCB has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including using false or misleading statements in an effort to collect a debt and attempting to collect debts not owed. If you have been contacted by this debt collector, make sure you understand your rights before taking action.
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According to the Better Business Bureau (BBB), Certified Credit & Collection Bureau , Inc. is a legitimate collection agency founded and incorporated in 1971. The BBB established a profile page for CCCB in 1998. CCCB is listed as a collection agency that uses the alternate business name, Certified Management Systems. Buzzfile estimates CCCB’s annual revenue at $4.9 million and the size of its headquarters staff at 55 employees.
According to its website, CCCB’s “corporate philosophy is to form a business partnership with our client to provide the highest quality of service possible with professionalism and integrity.” CCCB staff works as an “extension of the business office…to treat each individual with professionalism and respect.”
CCCB specializes in collecting medical debt and has “over 40 years of experience in medical collections and accounts receivable management.” CCCB offers “a broad range of collection services,” including accounts receivable management; outsourcing programs; insurance follow-up; day-one self-pay collections; third-party bad debt collections; installment payment contract management; in-service education; electronic claim submission; credit reporting; bankruptcy screening; charity care screening; and return mail and skip tracing service.
CCCB states that it is in “full compliance with state and federal regulations including the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, HIPAA, and the Gramm Leach Bliley Act.” However, their website does not provide links to consumer protection resources or enforcement agencies.
The BBB has closed 3 complaints against Certified Credit & Collection Bureau in the preceding 3 years, all of them in the past 12 months. All of those complaints alleged problems with billing and collections. Since March 2016, the Consumer Financial Protection Bureau (CFPB) has closed 4 complaints. Justia lists at least 3 cases of civil litigation involving CCCB.
Certified Credit & Collection Bureau, Inc.
69 Readington Rd.
Branchburg, NJ 08876-3557
Telephone: (908) 526-9300
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely CCCB would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Cases filed in Federal Court
In July 2015, a complainant stated that he had received medical treatment and was covered by medical insurance. According to the complainant, his insurance company processed the claim and an “Explanation of Benefits was generated showing that the patient… had a ‘Total Patient Responsibility’ of $0.00.” Regardless, the complainant indicated that he continued to receive billing statements from the medical facility “in the amount of $952.99 even though this claim for payment had been processed and indicated that the patient had a zero payment responsibility.” For several months, the complainant repeated a process of reviewing billing statements from the medical facility, then contacting them to let them know his insurance had already paid for it. After 9 months, he was contacted by Certified Credit & Collection Bureau, who began “sending him collection letters and advising him that a judgment will be taken against him and … that he will receive a copy in the mail of the judgment.” The complainant insisted that the debt was not valid, yet complained that CCCB continued“to harass…him even though the information had been sent to them.” He alleged that CCCB “threatened and ruined…his credit rating and history while jeopardizing…his ability to obtain financing.” The complainant stated that this effort “has been an ongoing monthly battle with no end in sight; that there is no debt; and that this is a fictitious and bogus claim.” He stated that CCCB has “been provided with a detailed letter as well as multiple copies of the Explanation of Benefits which is a legally binding contract between the health provider and my health insurance carrier.” He stated that “continued harassment and pursuit of their bogus claim for a judgment… must stop.”
Certified Credit & Collection Bureau did not post a public response to this consumer’s complaint.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB).
The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
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