Who is Central Service Bureau and why are they calling me?

Central Service Bureau is a debt collection agency contacting consumers about alleged overdue accounts.

Is Central Service Bureau a scam or legit?

They appear to be a legitimate agency, but always verify any debt in writing before responding.

What types of harassment are illegal under FDCPA?

It’s illegal for them to call repeatedly to annoy, use threats, obscene language, call before 8 a.m. or after 9 p.m., or call your employer after being told not to.

How often can Central Service Bureau call me?

Generally no more than seven calls per week, and not within seven days of a phone conversation about the same debt.

Can Central Service Bureau leave voicemails identifying themselves?

If they identify themselves, voicemails could reveal your debt to others—illegal disclosure. They must avoid third‑party privacy violations.

What if Central Service Bureau contacts my family or employer?

They may only contact third parties to locate you and only once; discussing your debt is a violation.

How can I make Central Service Bureau stop contacting me?

Send a written cease‑and‑desist letter. After receiving it, they may only contact you to confirm they will stop or to notify about a lawsuit.

Can I dispute or validate the debt?

Yes. Send a written dispute within 30 days of first contact. They must suspend collection until they mail verification.

Can Central Service Bureau sue me for the debt?

Yes—they can sue if the debt is valid. If you’re sued, you must respond or risk a judgment.

Can I sue Central Service Bureau for FDCPA violations?

Yes. You can sue for statutory damages, actual harm, and attorney fees if they violated your rights.

Central Service Bureau Phone Harassment?

Are debt collectors contacting your family, friends, or co-workers about debts you supposedly owe?
Is a debt collector demanding payment without providing proof that the debt is valid?
If so, we’ll take immediate action to stop the harassing calls!
You could be eligible for up to $1,000 in statutory damages.
Remember, you won’t be responsible for any legal fees.

Free Case Review, you will never be charged legal fees. We will respond within 15 minutes via text or email.

Name(Required)

Mobile Number(Required)

Email(Required)

Enter the collection agency name or phone number(Required)

Briefly Explain Your Case(Required)

Name

This field is for validation purposes and should be left unchanged.

Central Service Bureau Debt Collector Harassment?

Is Central Service Bureau (CSB) calling you? Stop Central Service Bureau phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. Harassment occurs when debt collectors cross legal boundaries set by laws such as the FDCPA and TCPA. You have the legal right to stop CSB phone harassment. If a collection agency commits a violation of federal laws like the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees. It is important to consult a lawyer to understand your rights and legal options under these laws.

Is Central Service Bureau a Scam?

According to the Better Business Bureau website, Central Service Bureau has been in business for 79 years. Read more here: Central Service Bureau Better Business Bureau.

Who is Central Service Bureau?

Central Service Bureau is a third-party debt collector located in Watertown, New York. Debt collection agencies like CSB are hired by creditors to recover unpaid financial obligations from debtors. A debt collection agency acts on behalf of creditors to collect debts owed by individuals or businesses who have failed to meet their financial obligations. The FDCPA applies to third-party collection agencies and not to the original creditor or a person collecting their own debt. CSB has been a party to a Federal Court case several times. They have been accused of violating debtors’ rights and using illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.

🏛️ Central Service Bureau Address: 18814 US Route 11 Watertown, NY 13601

📞 Phone: (315) 782-1400

Central Service Bureau Debt Collection Tactics

If Central Service Bureau engages in any of the following tactics, you may have a case:

▶️ Calling you multiple times a day, especially if the same debt collector calls you repeatedly, which may be considered harassment under laws like the FDCPA and TCPA.
▶️ Using obscene language, threats, or intimidation during debt collection calls.
▶️ Engaging in inappropriate behavior, such as making harassing or abusive statements.
▶️ Making debt collection calls at inconvenient times or without your consent.
▶️Ignoring your requests to stop contact or to communicate only in writing.

Laws prohibit debt collectors from repeatedly calling or engaging in harassing debt collector calls. Debt collector calling practices are regulated, and repeated debt collector calls—especially when they occur multiple times in a single day—can cross into illegal territory and be considered harassment. If you experience these behaviors, document each instance, as this evidence can help establish that the conduct is considered harassment and may violate your legal rights.

Central Service Bureau Phone Numbers

📲 315-782-1400
📲 315-769-3591
📲 (315) 782-1400
📲 (315) 769-3591
📲 3157821400
📲 3157693591

If the answer is yes, then you are receiving calls from a known CSB number. You may be a victim of CSB phone harassment. The list above is not all the numbers that CSB uses. The calls can be from different numbers and it still be Central Service Bureau calling you. Be sure to document all communications, including the telephone number from which you were contacted, and keep a record of each interaction. If permitted by law, consider recording phone calls and saving a recording of any harassing communications as evidence. Contact our office right away so we can start the process to stop CSB from calling you illegally. Above all, no one should live with harassment!

Collection Calls and Consumer Rights

Receiving collection calls from debt collectors can quickly become overwhelming, especially when those calls cross the line into harassment. Fortunately, federal law offers strong consumer protection against unfair debt collection practices. The Fair Debt Collection Practices Act (FDCPA) sets clear limits on what debt collectors can and cannot do when contacting you about debts. Under the FDCPA, debt collectors are strictly prohibited from using obscene or profane language, making threats of violence, or repeatedly calling you with the intent to annoy, abuse, or harass.

If you find yourself on the receiving end of unwanted phone calls, threatening legal action, or harassing communication from a debt collector, you have the right to take action. Debt collectors must respect your request to stop contacting you—sending a written notice instructing them to cease communication is a powerful tool to stop debt collector harassment. While they may still pursue collection efforts through legal channels or report the debt to your credit report, they cannot continue to call you after receiving your written request.

It’s also important to know that debt collectors are not allowed to make false or misleading statements about your debt, such as exaggerating the amount owed or falsely claiming you will be arrested if you don’t pay. They must provide accurate information about the debt, including the name of the original creditor and the amount owed. If a debt collector violates these fair debt collection practices, you have the right to file a complaint with the (CFPB) or your state attorney general. In cases of actual harm, you may also be able to file a lawsuit and recover damages, including attorney’s fees.

To protect yourself, always keep a record of all communication with debt collectors—save letters, emails, and make notes about phone calls, including dates, times, and the content of the conversation. This documentation can be crucial if you need to file a complaint or take legal action. If you feel overwhelmed or unsure about your rights, consider reaching out to a consumer protection attorney for legal assistance. They can help you understand your options and ensure your rights are protected throughout the debt collection process.

Additionally, the Telephone Consumer Protection Act (TCPA) provides further safeguards by prohibiting debt collectors from making unwanted phone calls or text messages to your cell phone or landline without your consent. You have the right to revoke this consent at any time, and debt collectors must comply.

Remember, you do not have to tolerate debt collector harassment. By understanding your rights, keeping thorough records, and seeking legal help when needed, you can stop debt collector harassment and ensure that all collection activity is conducted within the bounds of the law. If a debt collector violates your rights, you have the power to hold them accountable and protect your financial well-being.

Common Questions

Is CSB a scam?

No, Central Service Bureau has been in business for 79 years.

Can CSB garnish my wages?

Yes, CSB can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. Wage garnishment is a legal action that can occur only after CSB files a lawsuit against you and wins a court judgment.

Can CSB sue me?

Yes, CSB can take legal actions such as filing a lawsuit against you, as long as the debt is within the statute of limitations.

Can CSB report my debt to the collection bureaus?

Yes, debt collectors are allowed to place the collection account on your credit report. Failure to pay your debts can also result in legal actions, including lawsuits and wage garnishment, if the debt remains unresolved.

The following is a sample list of complaints filed against Central Service Bureau in the past and can be found on Pacer.gov. If a consumer prevails in a lawsuit against a debt collection agency, they may be able to recover actual damages and attorney’s fees.

🔗 5:93-cv-00042-NPM-GJD Dickson v.
🔗 7:13-cv-01221-ATB Zembek v.

Making timely payments can help you avoid legal actions such as lawsuits or wage garnishment.

Consumer Rights Law Firm PLLC

Our law firm has experienced attorneys who specialize in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Debt collectors are hired to collect unpaid debts, but our attorneys can help protect you from overreaching or unlawful collection efforts. When seeking help, it is important to provide your phone number, as this helps document the harassment and supports your case. Rather than suffer alone, contact our office to begin the process to stop the Central Service Bureau harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.

If you are interested in learning more about how to safeguard yourself and prevent harassment from Central Service Bureau, call us at (877)700-5790 for immediate assistance or visit our website at

Success Stories

🏆 I was getting nonstop calls from a debt collector, even after I told them to stop. Consumer Rights Law Firm PLLC stepped in, sent a cease-and-desist letter, and the calls ended almost immediately. They knew exactly what to do and kept me updated throughout the process.
🏆 After weeks of aggressive robocalls, I contacted this law firm. They found multiple FDCPA violations and filed a lawsuit on my behalf. Not only did the harassment stop, but I also received a settlement. I’m so grateful for their help!
🏆 Dealing with debt collectors was ruining my peace of mind. Consumer Rights Law Firm PLLC handled everything professionally. They sent the necessary legal notices and followed up until the harassment stopped for good. Highly recommended!
🏆 The collectors kept calling me at work and even threatened legal action. I felt helpless until I found this firm. They knew exactly how to handle the situation and made the calls stop. I felt empowered having them on my side.

Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.