Are you receiving harassing calls from Cedars Business Services, LLC?
Are you receiving harassing calls from Cedars Business Services, LLC?? No one likes to be in debt. Debt collection agencies like Cedars Business Services have one goal: recover debt! Cedars Business Services may do so in various ways that might not sit well with you the consumer.
Cedars Business Services debt collection may go as far as threatening you, badgering you with unending calls, calling your workplace, and generally trying to make life impossible for you in their bid to recover a debt. If you are experiencing any of this, that is Cedars Business Services phone harassment, and it must be a very frustrating time for you.
You definitely would simply want it to stop, and for everything to just go away. Sadly, debt doesn’t work like that, and Cedars Business Services debt collection cannot be wished away. This doesn’t have to haunt you or make you depressed, why? Because there’s good news!
The government has put laws in place that protects consumers from Cedars Business Services Phone Harassment. These laws are called the Fair Debt Collection Protection Act (FDCPA). These laws do not prevent you from paying your debt, rather they prevent things like Cedars Business Services debt collection harassment. This stops them from treating you unfairly or going against your human rights while trying to collect a debt. The FDCPA prohibits collectors from contacting you before 8 am and after 9 pm, it frowns on collectors threatening you or your loved ones, using profane abusive words with you, posing as an attorney or a government official, trying to make you pay more than you owe or even talking to third parties about your debt when they have no business knowing about it.
Debt collection is the process of pursuing payments of debts owed by individuals or businesses. This process can be carried out by the original creditor or by a specialized company known as a debt collection agency.
Contact us today to put an end to Cedars Business Services debt collection harassment.
Key Components of Debt Collection
- Original Creditors: These are the entities (such as banks, credit card companies, or medical providers) that initially extended credit or services to the debtor and are owed money.
- Debt Collection Agencies: These are third-party companies hired by original creditors to collect debts on their behalf. They may work on a contingency basis (taking a percentage of the collected debt) or purchase the debt outright for a fraction of its value.
- Debt Buyers: These are companies that purchase debts from original creditors at a discount and then attempt to collect the full amount owed from the debtor.
The Debt Collection Process
- Initial Contact: The debt collector contacts the debtor, typically through phone calls, letters, or emails, to inform them of the debt and request payment.
- Validation Notice: Within five days of the initial communication, the debt collector must send a written notice to the debtor detailing the amount of the debt, the name of the creditor, and the debtor’s rights under the Fair Debt Collection Practices Act (FDCPA).
- Negotiation: The debtor and collector may negotiate payment plans, settlements, or other arrangements to satisfy the debt.
- Legal Action: If the debtor does not respond or refuses to pay, the collector may sue the debtor to obtain a court judgment. This judgment can then be used to garnish wages, place liens on property, or seize assets.
- Reporting to Credit Bureaus: Unpaid debts are often reported to credit bureaus, negatively impacting the debtor’s credit score.
Consumer Rights and Protections
Under laws like the FDCPA, debtors have certain rights and protections:
- Prohibition of Harassment: Debt collectors cannot use abusive, threatening, or harassing language or tactics.
- Right to Dispute: Debtors have the right to dispute the debt and request verification within 30 days of receiving the validation notice.
- Restrictions on Communication: Collectors must respect specific times and methods for contacting debtors, and they cannot discuss the debt with unauthorized third parties.
- False or Misleading Representations: Collectors cannot lie about the debt, misrepresent themselves, or threaten illegal actions.
Common Types of Debts Collected
- Credit Card Debt
- Medical Bills
- Student Loans
- Auto Loans
- Mortgages
- Personal Loans
- Utility Bills
Debt Collection Agencies’ Practices
Debt collection agencies use various methods to collect debts, including:
- Phone Calls and Letters: The primary method of contacting debtors.
- Negotiation and Settlement: Offering reduced payment plans or settlements to resolve the debt.
- Legal Action: Filing lawsuits to obtain judgments against debtors.
- Credit Reporting: Reporting unpaid debts to credit bureaus.
Understanding the debt collection process and your rights as a debtor can help you manage and resolve outstanding debts effectively. If you believe a debt collector is violating your rights, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or seek legal advice.
Who is Cedars Business Services, LLC?
Cedars Business Services is a third part debt collector located in Calabasas, Ca. According to their website, Cedars Business Services has been in business since 1997
According to the Better Business Bureau, Cedars Business Services had 132 complaints closed in the last 3 years and 97 complaints closed in the last 12 months. You can read more about Cedars Business Services here.
Contact Information
Calabasas, CA 91302-3465
(800) 980-3357
About Us
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Cedars Business Services agency. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
Call us at 877-700-5790 for immediate assistance.
Check out the links below for more information:
https://consumer.ftc.gov/articles/debt-collection-faqs
