Certified Credit & Collection Bureau Phone Harassment?
Is Certified Credit & Collection Bureau (CCCB) calling you repeatedly? Are they threatening legal action, contacting people around you, or calling at all hours? If so, you may be experiencing illegal debt collection harassment. Federal law gives you the right to make it stop, and in some cases, recover up to $1,000 in statutory damages, plus attorney’s fees.
Certified Credit & Collection Bureau: You Must Know About
Certified Credit & Collection Bureau (CCCB) is a third-party debt collection agency based in New Jersey. The company attempts to collect unpaid consumer debts on behalf of creditors, including medical providers and other businesses.
Company details:
| Detail | Information |
|---|---|
| Business type | Third-party debt collector |
| Headquarters | Branchburg, New Jersey |
| Address | 69 Readington Rd, Branchburg, NJ 08876 |
| Main phone | (908) 526-9300 |
Is Certified Credit & Collection Bureau a Scam?
According to the Better Business Bureau website, Certified Credit & Collection Bureau is a real, operating company and not a scam and in business for over 48 years.
However, legitimacy does not mean they are allowed to harass you. CCCB must follow the Fair Debt Collection Practices Act (FDCPA) like every other collection agency.
🔗 Bureau Better Business Bureau
Why Is Certified Credit & Collection Bureau Calling You?
| Possible Reason for Contact | What It Usually Means for Consumers |
|---|---|
| Medical bills | Charges from hospitals, clinics, or labs that may include insurance adjustments or billing errors |
| Credit cards or personal accounts | Past-due balances from banks, retail cards, or personal lenders |
| Other consumer obligations | Utility bills, subscription balances, or miscellaneous service-related debts |
| Incorrect balances | Amount claimed may be higher than what you actually owe |
| Old or time-barred debts | Debts that may be too old to legally sue for, depending on your state |
| Insurance-adjusted medical bills | Bills sent to collections before insurance payments were fully applied |
| Wrong-party accounts | You may be contacted for someone else’s debt due to outdated or incorrect records |
Never assume the debt is accurate without verification.
Medical Debt and Certified Credit & Collection Bureau
Certified Credit & Collection Bureau is commonly associated with medical debt collection, which carries added risk for consumers.
Medical debts may:
Be reduced by insurance
Be incorrectly billed
Include amounts not legally collectible
Require special recalculation under state law
When Certified Credit & Collection Bureau May Be Acting Legally
Not every call from CCCB is harassment. They may be within the law if:
| Situation | What It Means |
|---|---|
| You received a written debt notice | Required under FDCPA |
| Calls occur between 8 a.m. and 9 p.m. | Legal contact window |
| The amount matches your records | Indicates possible accuracy |
| They only contact you | Third-party disclosure is restricted |
| No threats or abusive language | Lawful communication |
Certified Credit & Collection Bureau Harassment Violations
If the CCCB Bureau engages in any of the following tactics to harass you, you may have a case:
- Using profanity or abusive language
- Calling you before 8:00 a.m. or after 9:00 p.m.
- Calling you multiple times per week
- Talking to others about your debt
- Calling your workplace
- Threatening to sue you, harm you, or destroy your credit
- Telling you or anyone else that you’ve committed a crime
- Calling repeatedly for the wrong person
- Failing to notify you of your right to dispute the debt
- Trying to collect more than legally allowed
Certified Credit & Collection Bureau Phone Numbers
- 📲 908-526-9300
- 📲 888-750-9500
- 📲 (908) 526-9300
- 📲 (888) 750-9500
- 📲 9085269300
- 📲 8887509500
Lawsuits and Legal History Involving CCCB
Certified Credit & Collection Bureau has been named in multiple federal lawsuits, many alleging violations of the FDCPA.
Notable Example:
Mushaeva v. Certified Credit & Collection Bureau, Inc. (2018)
A proposed class action alleged CCCB attempted to collect a medical debt amount higher than legally allowed, without properly accounting for insurance reductions.
The complaint claimed CCCB:
Failed to investigate the accuracy of the debt
Attempted to collect an inflated balance
Used improper collection practices
While not every lawsuit results in liability, these cases highlight the importance of verifying debts before paying.
The following is a sample list of complaints filed against the CCCB Bureau in the past and can be found on Pacer.gov.
- ➡️ 3:12-cv-00733-JAP-TJB Cutola v. Certified Credit & Collection Bureau
- ➡️ 3:09-cv-01433-AET-TJB Watson v. Certified Credit & Collection Bureau
- ➡️ 3:09-cv-00556-FLW-DEA Camhi v. Certified Credit & Collection Bureau
- ➡️ 1:08-cv-00417-RMB-AMD Huertas v. Certified Credit & Collection Bureau
- ➡️ 3:07-cv-00291-AET-TJB Williams v. Certified Credit & Collection Bureau
New Jersey Consumer Protections That May Apply
Because CCCB operates from New Jersey, additional state protections may apply, including:
- Collection agency licensing requirements
- Statute of limitations rules
- Wage garnishment exemptions
- Interest and fee restrictions
State laws may offer stronger protections than federal law in certain situations.
What to Do First If Certified Credit & Collection Bureau Contacts You (2026)
Do not admit the debt by phone
Request written debt validation
Save letters and voicemails
Log call dates and phone numbers
Check your credit report for errors
About Us
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the CCCB Bureau harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Our firm has extensive experience in handling cases involving the CCCB Bureau and its violations of consumer rights.
🔗 Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from Certified Credit & Collection Bureau. call us at ☎️ (877)700-5790 for immediate assistance or visit our website at Consumer Rights Law Firm, PLLC.
Success Stories
“I had a medical collections company calling my number, looking for someone I had never heard of. They kept calling, even tho I told them they had the wrong number. Consumer Rights Law Firm took my case & got them to stop calling, plus they got a monetary settlement for me. I am so appreciative of the help they gave me – Teresa T”
“Mike was nice, informative, and jumped on the case A.S.A.P. Thank you, consumer rights law firm, for speaking up for me when I thought I did not have a voice. The scariest thing to hear from someone is for them to threaten to garnish your wages, and you are barely making ends meet. Once again, thanks for all your help. – Raven Hooker”
“I highly recommend this firm! They stayed on top of the case and myself. I’m sure they had a lot of cases but always treated me as a priority and I truly appreciate that!!! – Sylvester Boyd”
For more success stories and information, visit our testimonials page on our website.
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FAQs
Q1: What is the CCS Credit Bureau?
A: The CCS Credit Bureau is a third-party debt collector, often mistaken for CCCB, that provides credit and debt recovery services for various creditors and lenders.
Q2: What is CCB on a credit report?
A: CCB typically stands for Certified Credit & Collection Bureau (CCCB). This agency can report delinquent accounts to credit bureaus, which can negatively affect your credit score.
Q3: Is CCS Credit Collection Services legit?
A: Yes. CCS is a legitimate debt collection agency. However, like all collectors, they must follow federal laws under the Fair Debt Collection Practices Act (FDCPA) to protect consumers from abusive practices.
Q4: Is Certified Credit & Collection Bureau a scam?
A: No. Certified Credit & Collection Bureau (CCCB) is not a scam. The company has been operating for over 48 years but has faced numerous consumer complaints and legal disputes regarding its collection tactics.
Q5: Can Certified Credit & Collection Bureau garnish wages?
A: Yes. CCCB can garnish your wages if they obtain a valid court judgment or if the debt involves federal student loans or other government-backed obligations.
Q6: What are the signs of CCCB phone harassment?
A: Common signs include repeated or aggressive phone calls, threats, use of profanity, contacting others about your debt, or calling outside the permitted 8 AM–9 PM time frame.
Q7: How can I stop CCCB phone harassment?
A: To stop harassment, you can send a certified cease-and-desist letter, request written debt validation, file complaints with the Federal Trade Commission (FTC), and seek assistance from a consumer protection attorney.
Q8: What rights do I have under the FDCPA?
A: Under the FDCPA, you have the right to dispute any debt, stop unwanted communication, demand validation, and pursue legal damages of up to $1,000 for harassment or deceptive collection conduct.
Q9: Can I remove inaccurate CCCB information from credit reports?
A: Yes. You can dispute inaccurate or outdated CCCB entries directly with credit bureaus. If the debt cannot be verified, the bureaus are legally required to delete the information.
Q10: Is CCCB allowed to talk to others about my debt?
A: No. The FDCPA strictly prohibits CCCB or any debt collector from discussing your debt with family members, friends, or coworkers without your explicit permission.
