If youâve received calls or texts from CBHV, youâre not alone. Many consumers across New York and beyond have reported repeated and sometimes aggressive attempts by (CBHV) Collection Bureau of Hudson Valley to collect debts. In some cases, these actions have led to lawsuits under the Fair Debt Collection Practices Act (FDCPA). This guide will help you understand your rights, verify debts, and take action if you feel harassed.
What Is Collection Bureau of Hudson Valley (CBHV)?
Collection Bureau of Hudson Valley, a licensed debt collection agency based in Newburgh, New York. Founded in 1974, CBHV collects debts on behalf of creditors, including medical bills, credit cards, and other consumer debts.
Despite being a legitimate company, CBHV has a mixed reputation online. Complaints filed with the Collection Bureau of Hudson Valley Better Business Bureau report frequent harassment, misleading representations, and failure to provide proper debt validation.
Collection Bureau of Hudson Valley Address: 155 N Plank Rd Newburgh, NY 12550-1747
Phone: (845) 561-6880
Fax: (845) 913-7403
Key Takeaways:
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CBHV is a licensed debt collector operating in all 50 states.
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It is not a scam, but complaints indicate aggressive collection practices.
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Consumers are protected by federal and state laws like the FDCPA.
How CBHV Collects Debts
CBHV may contact you via:
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Text messages
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Emails
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Letters
Some consumers report that CBHV calls repeatedly, even after requests to stop and sometimes threatens legal action or wage garnishment. According to lawsuits filed in New York, CBHV has allegedly:
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Called wrong numbers repeatedly
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Failed to validate disputed debts
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Sent misleading or confusing billing letters
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Interfered with consumers at work
These actions may violate federal law, and you have the right to take action.
Phone Numbers Commonly Used by CBHV
If youâve received calls from CBHV, they may come from any of the following numbers:
Tip: You can use call-blocking apps to reduce harassment, but documenting calls and messages is critical if you plan to dispute the debt or file a complaint.
CBHV Lawsuits and FDCPA Violations
CBHV has been named in multiple FDCPA lawsuits in federal courts, including:
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Case No. 1:17-cv-06287 (Southern District of New York): Alleged repeated calls regarding Optimum cable debt, threats of wage garnishment, and failure to notify consumers of their rights.
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Case No. 1:15-cv-06748-ENV-VMS (Eastern District of New York): Misrepresentation of debt validation rights and failure to note disputed debts on credit reports.
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Case No. 7:16-cv-05170-KMK-JCM (Southern District of New York): Debt collection against a minor and use of misleading or confusing billing statements.
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Case No. 1:17-cv-00934-WFK-LB (Eastern District of New York): Multiple automated calls to wrong numbers after being asked to stop.
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Case No. 1:16-cv-02631-JG (Northern District of Ohio): Aggressive calls about Capital One and bank debts, threats of legal action.
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Case No. 1:10-cv-00760-WMS-JJM (Eastern District of New York): Repeated calls constituting harassment.
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CHURCH v. CBHV (2023, District of New Jersey): Ongoing class action for debt collection violations.
Consumer Insight: These lawsuits indicate a pattern of aggressive behavior, making documentation of all CBHV interactions essential.
Step-by-Step Guidance: What to Do First
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Verify the debt: Ask CBHV for proof including the original creditor, date incurred, amount owed, and any payment history.
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Keep records: Document all calls, texts, and letters. Screenshots, emails, and call logs are helpful.
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Send a Debt Validation Letter: You have a right under the FDCPA to request verification within 30 days of initial contact.
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Cease communication if needed: Send a Cease & Desist Letter via certified mail to stop calls.
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Negotiate or settle: Once verified, you can negotiate a lower payment or settlement using services like Consumer Rights Law Firm legal help if you prefer minimal direct interaction.
How CBHV May Affect Your Credit
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Unpaid debts reported by CBHV can negatively impact your credit score.
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Always confirm that a debt is yours before paying.
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Negotiated settlements may allow removal or reduction of the debt reported.
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Disputing errors promptly prevents long-term credit damage.
Receiving calls from CBHV can be stressful, but knowing your rights and acting proactively protects you. Verify any debt, document every communication, and use your rights under the FDCPA to stop harassment. Legal action is possible if CBHV violates federal or state laws.
By following these steps, you can take control of your debt situation and prevent further harassment while safeguarding your credit score.
Get Legal Help!
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing Collection Bureau Hudson Valley debt collection harassment. 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 the Collection Bureau of the Hudson Valley. Debt collectors must adhere to regulations and cannot misrepresent themselves as a government 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.
FAQs
Who is Collection Bureau of Hudson Valley and why are they calling me?
Collection Bureau of Hudson Valley (CBHV) is a third-party debt collection agency based in Newburgh, NY, operating since 1974. They contact consumers on behalf of original creditors, such as healthcare providers, cable companies, banks, and utilities, about past-due accounts.
Can Collection Bureau of Hudson Valley legally harass me with phone calls?
No. Harassing behavior such as frequent calls, threats, rude language, or calling outside 8 a.m.â9 p.m. is illegal under the Fair Debt Collection Practices Act (FDCPA). CBHV has faced multiple lawsuits alleging such violations.
What should I do if Collection Bureau of Hudson Valley keeps violating the rules?
Keep detailed records (call times, dates, content). Send a written dispute and request debt validation within 30 days. If harassment continues, send a cease-and-desist letter, then file complaints with the FTC, CFPB, and your state attorney general. You may also consult an FDCPA attorney.
Can I sue Collection Bureau of Hudson Valley for harassment or illegal conduct?
Yes. Under the FDCPA and possibly TCPA (if robocalls are involved), you can sue for statutory damages (up to $1,000), actual damages, and attorneyâs fees. CBHV has faced consumer suits and class-actions for alleged unlawful calls and threats
Can Collection Bureau of Hudson Valley hurt my credit score?
Yes, they can report your account to credit bureaus if the debt is valid. You have the right to dispute any inaccuracies, and if the debt is wrong or paid, you can seek removal under the Fair Credit Reporting Act (FCRA)
How do I stop Collection Bureau of Hudson Valley from harassing me with calls?
You can stop harassment by sending a written cease-and-desist letter via certified mail. Keep records of all communication, and if the calls continue, you can report CBHV to the FTC, CFPB, or consult an attorney.
Can Collection Bureau of Hudson Valley call my family or employer?
No. Under the FDCPA, debt collectors cannot discuss your debt with anyone other than you, your spouse, or your attorney. They may only contact third parties to verify basic contact information, but revealing debt details is illegal.
Does Collection Bureau of Hudson Valley use robocalls or spoofed numbers?
Some consumers report receiving robocalls or spoofed calls from numbers claiming to be CBHV. If you suspect this, always request written validation of the debt and verify the number directly with CBHV before providing any information.
What are my rights if Collection Bureau of Hudson Valley threatens me with legal action?
Debt collectors cannot legally threaten arrest or make false claims about lawsuits. If CBHV threatens you unlawfully, document the threats and consider pursuing legal action under the FDCPA for damages.
Can I negotiate a settlement with Collection Bureau of Hudson Valley?
Yes. If the debt is valid, you may be able to negotiate a reduced settlement or payment plan. Always request written confirmation of any agreement before making a payment.
What are Collection Bureau of Hudson Valley reviews like?
Collection Bureau of Hudson Valley reviews are mixed. Some consumers report professionalism, while many complain about aggressive collection tactics, constant calls, and disputed credit reporting. Checking BBB and CFPB complaint databases can provide more insights.
What is the Credit Bureau of Hudson Valley?
The term âCredit Bureau of Hudson Valleyâ is sometimes confused with CBHV, but they are not the same. CBHV is a debt collection agency, while a credit bureau refers to agencies like Experian, Equifax, or TransUnion that track credit history. Always confirm whether youâre dealing with a collector or a credit reporting agency.
