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Credit Bureau Collection Services, Inc. (CBCS) is a third-party collection agency with offices in Florida and Ohio. CBCS has received complaints from consumers alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as failing to provide verification of a debt. If you have been contacted by this debt collector about past due collection items, know your rights before responding.
Credit Bureau Collection Services is a legitimate collection agency founded in 1948 in Columbus, OH and incorporated in 1997. According to the Better Business Bureau (BBB), alternate business names include The Credit Bureau of Columbus, Inc. and CBC Companies. Their website indicates their headquarters is located in Jacksonville, FL. According to Buzzfile, CBCS generates an annual revenue estimated at $16.3 million and employs a staff estimated at 50 people at its headquarters location.
CBCS’ website indicates “continuous development” in its use of technology; “superior performance” and high professional business standards; and a “commitment” to offering a wide range of solutions to resolving consumer debt as the foundational business values that set CBCS apart from other collection agencies. Its home page features two options for site visitors: “I am a consumer”; or, “I am a Business.”
The site’s consumer-related pages offer options for making payments; filing a dispute; contact information; and a link entitled, “Your Rights,” that provides debtors with information about how they can request that CBCS representatives not call them at work. The business-related pages provide information about their services, including early-out billing, collection, and Accounts Receivable Management (ARM); industries served, including healthcare, utilities, financial, and government; and industry links to the Association of Credit and Collection Professionals (ACA), the Healthcare Financial Management Association (HFMA), and the American Association of Healthcare Administration Management (AAHAM).
CBCS has been in business for a long time and focuses mainly on healthcare collections. As a large and competitive firm that has expanded into other areas of the ARM industry, they are susceptible to potential violations of the FDCPA and other consumer protection laws.
The Consumer Financial Protection Bureau (CFPB) lists 16 complaints against CBCS since July 2015, all of them for attempts to collect debts not owed; failure to verify debts; and misrepresentation. The BBB lists 42 complaints against CBCS in the past 3 years, with 13 closed in the past 12 months. Most of them allege problems with billing and collection services. The five negative reviews include not only consumer comments, but also a negative review from a business that previously used CBCS to collect its delinquent accounts. Justia lists at least 9 cases of civil litigation naming CBCS as a defendant.
Credit Bureau Collection Services, Inc.
PO Box 551149
Jacksonville, FL 32255
Telephone: (877) 886-7331
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely CBCS 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 is a Sample Case file in Federal Court
In 2010 in United States District Court, Southern District of Florida, a plaintiff filed a complaint against Credit Bureau Collection Services for violations of the Fair Debt Collections Practices Act (FDCPA). The plaintiff alleged violations of the FDCPA and the Telephone Consumer Protection ACT (TCPA) after CBCS left messages for her on her cell phone. CBCS offered to settle the case for the maximum amount of $1,000 plus attorney fees. The judge upheld the settlement despite a motion to dismiss for lack of jurisdiction. In 2011 in the United States Court of Appeals for the Seventh Circuit in Chicago, IL, a plaintiff’s complaint against CBCS for violating the FDCPA’s requirement to provide validation of the debt within five days of initial contact was restored despite an earlier dismissal. Previously, CBCS had offered as proof that it had supplied the plaintiff with the notice an affidavit from an office manager in its Jacksonville office that the notice had been sent. The appeal hearing determined that a simple statement amounted only to hearsay, especially since it was not accompanied by any physical evidence that a notice had either been generated or mailed. As a result, the plaintiff was allowed to proceed with his complaint to the next stage of litigation.
Collection agencies must adhere to federal laws that regulate the way in which they conduct business. The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect consumers from collection agencies who engage in unethical business practices. The FDCPA prohibits collection activity such as using abusive or threatening language; harassment; or using false or misleading information in an effort to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Other laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs. The case above illustrates how someone successfully used the legal system to recover damages. Seeking legal assistance can help you find relief if you believe your rights have been violated.
You May be Getting Calls From These Numbers
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.
What Our Clients are Saying
“I used to get up to 15 calls a week from several collection agencies. It got so bad I felt like I should just get a new phone number to make it quit. Happily, I discovered Lemberg Law. They immediately put an end to the calls. Now, when my phone rings I do not dread it.”
“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.
“We are writing to express our sincere thanks and to convey how very happy we’ve been, from first contact, together with the services offered by your firm — specifically by the lawyer who handled our situation, Vlad Hirnyk.”
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