Introduction to Debt Collection Harassment
Debt collection harassment is a serious issue that affects many individuals and businesses. It is essential to understand the basics of harassment in debt collection and recognize the signs of unlawful practices. Debt collection agencies and debt collectors must comply with the Fair Debt Collection Practices Act (FDCPA) and other laws that regulate debt collection services. In this section, we will provide an overview of debt collection harassment, its consequences, and the importance of fair debt collection practices.
Debt collection harassment occurs when debt collectors use abusive, threatening, or deceptive practices to collect debts. This can lead to significant stress and anxiety for debtors, impacting their mental health and overall well-being. It is crucial for both individuals and businesses to be aware of their rights and the legal protections available to them. The FDCPA is a federal law designed to protect consumers from unfair debt collection practices, ensuring that debt collectors operate within the bounds of the law. By understanding these protections, debtors can better navigate their interactions with debt collectors and safeguard their rights.
Understanding the Basics of Harassment in Debt Collection
Harassment in debt collection refers to the use of abusive, threatening, or deceptive practices by debt collectors to collect debts. This can include excessive phone calls, false or misleading statements, and unfair or unconscionable means to collect debts. Debt collection agencies and debt collectors must provide clear and accurate information about the debt, including the amount owed, the creditor, and the payment terms. They must also respect the debtor’s rights and comply with the FDCPA and other laws that regulate debt collection services. The FDCPA is a federal law that protects consumers from unfair debt collection practices, and it is essential for debt collectors to understand and comply with its provisions.
Debt collectors are required to communicate transparently and honestly with debtors. They must send a written notice detailing the debt, including the amount owed, the name of the creditor, and the debtor’s rights under the FDCPA. This notice, often referred to as a debt validation letter, is crucial for ensuring that debtors are fully informed about their obligations. Additionally, debt collectors are prohibited from using deceptive tactics, such as misrepresenting the amount owed or falsely claiming to be attorneys. By adhering to these regulations, debt collectors can maintain ethical standards and foster trust with debtors.
Credit Bureau Collection Services Debt Collection Harassment
Having debts is not the end of the world. Sometimes, certain circumstances get people to the point where they’re falling behind on a few of their bills. If you have been, or are in this situation, you know how challenging it could get. One of the many challenges of having debts is having to put up with frequent calls from debt collectors like Credit Bureau Collection Services. Even though you may not have acquired the debt from Credit Bureau Collection Services, they may be tasked with the job of getting you to repay it. Managing your credit account effectively can help mitigate some of these challenges. Third-party debt collectors are not the actual people you owe but they have the responsibility of recovering the debt from you and that is lawful.
Collecting delinquent accounts is a primary focus for many collection agencies, and they employ various strategies to recover overdue debts.
When you are dealing with these collection agencies, it requires that you possess the right knowledge. You must be aware of your rights and the “do’s and don’t’s”. If you are not knowledgeable enough, you may become anxious or uneasy to the point where you make legal or financial mistakes in your communication with them. The lack of knowledge of your rights also allows these debt collectors get away with things they ordinarily shouldn’t be allowed to get away with such as excessive calls, abusive language, issuing empty legal threats, or showing up at your place of employment.
If you are currently facing any of the above-listed situations in your collection ordeal with Credit Bureau Collection Services, do not hesitate to reach out to us for help on 877-700-5790.
How to communicate with Credit Bureau Collection Services
There are certain things you must be aware of before communicating with debt collectors to ensure that you do not end up with the shorter end of the stick. Below are a few things to practice doing whenever you are in communication with a debt collection agent.
- Be aware of your rights before you speak with them: If you are unsure about what debt collectors are allowed to do to you and what they are not, refrain from speaking with then on phone and read about the FDCPA and TCPA laws first. Knowing your rights will enable you to speak with confidence to the debt collector.
- Find out if the debt is truly yours and if it’s still valid: Sometimes, mix-ups happen and you could be contacted about a debt that isn’t yours. Ask the debt collector to prove that the debt is yours by requesting that they send you a debt validation letter. From your end also, check your credit report to confirm if the debt is listed there.
- Keep records of their calls and communication in writing: If debt collectors are contacting you through phone calls, keep records of their calls. Additionally, ensure that all disputes and communication regarding debts are formally documented in writing. If they begin to violate your rights by calling you at odd hours, threatening you and using profane words, record them. You may need to provide these records as evidence in a court of law.
- Understand the rules about contacting your employer: Collection agencies can contact your employer only under certain conditions. These rules ensure that your employer is not informed about any debts you owe, maintaining confidentiality during the collection process.
What if you cannot afford to pay your debt?
When you get contacted by debt collectors and you can not afford to pay, you may begin to feel scared and unsure of what to say to them. The first thing to do is to let go of fear and anxiety. Explain to the debt collector that you are in a difficult financial state and ask them if they would be willing to draft up a realistic repayment plan to help you gradually resolve your debt without having to compromise your standard of living. Be aware that if the original contract allows for collection costs, these can include additional charges such as attorney fees along with other legal expenses.
Another viable option to consider is debt settlement. Often, because debt collectors buy debts for pennies on a dollar, they are willing to agree to a debt settlement. In a debt settlement, you do not have to pay the total amount of the debt you owe, only a portion of it. This way you can have your debts discharged and the debt collector can equally turn a profit. Debt settlement, however, does not come without its consequences. It may have a negative impact on your credit score and you may still have to pay taxes on the amount foregone. Debt collection services provided by various Professional Collection Agencies (PCAs) under contracts awarded by the Fiscal Service play a significant role in facilitating the recovery of both consumer and commercial debts through the Cross-Servicing program. Consult a credit counselor or consumer rights attorney to discuss if this would be the best option for you.
About Credit Bureau Collection Services
Credit Bureau Collection Services is a third-party debt collector located in Jacksonville, Florida, committed to delivering accounts management services. They have been a party to over 190 federal cases based on their issuance of credit and collection of debts incurred on their credit cards. A recent Federal Court case alleges that Credit Bureau Collection Services used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
Over the years, Credit Bureau Collection Services has grown from a local service to a national entity, showcasing their success and ability to improve overall financial landscapes for their clients.
Contact Information
Address: 236 E. Town St. 1st Floor Columbus, OH 43215 Phone: (800) 934-8522 Fax: (330) 873-3078
Is Credit Bureau Collection Services a scam?
According to the Better Business Bureau website, Credit Bureau Collection Services has been in business since 1929. There have been 52 complaints leveled against the agency by dissatisfied consumers in the last 3 years and 31 complaints closed out in the last 12 months. Read more about it here: Credit Bureau Collection Services Better Business Bureau
Credit Bureau Collection Services is often referred to or searched for by other names. These include:
cbcs collectionsis cbcs a legitimate collection agencycbcs collectioncredit bureau collection servicescbcs creditis cbcs a legitimate collection agencycbcs collection agencycbcs paymentscbcs debt collectioncbcspaymentscbcs columbus ohiocbcs columbuscbcscredit bureau collection agencycbcs columbus ohcbcs nationalcredit bureau collection services incwww.cbcspayments.comwww cbcspayments comcbcspayments.comcbcs collections scamswhat is cbcscbcs debt collectorcbcs companycvcs debt collectioncbcs paymentcredit bureau collectionscredit bureau of columbuscbcs debtcbcs phone numberthe bureau collection agencycbcs collections columbus ohiocbc collections ripoffcbcs reviewscbcs debt collection phone numbercbcs collection agency phone numbercbcs dayton ohiocbcs jacksonville flcbcs claimscredit bureau services inccbcspayments combureau collection agencycolumbus ohio credit bureaucredit bureau of columbus inccredit bureau columbus ohiocbcs collections dayton ohiocolumbus credit bureaucollection agency columbus ohiocbcs comcollection agencies in columbus ohiocbcs reviewcredit bureau ohiocredit bureau services phone numbercredit bureau lawsuitcredit bureau of ohiocbcs addresscollection agencies reporting to credit bureauscbcs practice questionscbcs collections dayton ohiocbc debt collectionohio credit bureaucbc credit servicesdebt collection agencies ohiocbcs dayton ohiocredit bureau floridaohio credit bureau phone numberscbcs medicalcredit and collection servicescbc ssuing credit bureaucbcs collections scamscbc credit bureaucollection agency report to credit bureauflorida credit bureaucbcs jacksonville flcbcs columbuscbc credit bureau reportsbetter business bureau columbuscollections service bureaucbcs collectioncbcs collection agency phone numbercbcs debt collection phone numbercbcs nationalcbc companies columbuscbcs collections columbus ohiocbcs columbus ohiostop inc.columbus ohiocbcs debt collectioncbcs debt collectorcbcs columbus ohis cbcs a legitimate collection agency
Credit Bureau Collection Services continues to provide ongoing services to their clients, ensuring continuous customer engagement and retention.
The agency is also known for its ability to meet the diverse needs of both consumer and commercial clients, offering customizable services tailored to specific requirements.
Credit Bureau Collection Services Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
877-886-7331, 313-499-0046, 800-233-6134, 800-649-0690, 800-933-6773, 888-727-8819, 877-405-4706, 888-349-1347, 866-747-4324, 888-642-4669, 888-308-6981.
If so, you may be an unsuspecting victim of debt collection harassment from Credit Bureau Collection Services, reach out to a professional on 877-700-5790.
These calls are often part of a series of communications aimed at facilitating payment arrangements while maintaining a positive relationship with clients.
The following is a sample list of complaints filed against Credit Bureau Collection Services and can be found on Pacer.org.
1:19-cv-00693-JRS-TAB HILL v. CREDIT BUREAU COLLECTION SERVICES, INC
2:19-cv-00133-LA Johnson v. Credit Bureau Collection Services Inc
5:18-cv-01334-DAE Day v. Credit Bureau Collection Services, Inc.
1:18-cv-02466-WTL-DML MOLLET v. CREDIT BUREAU COLLECTION SERVICES, INC.
1:18-cv-02373-JRS-MPB HOOD v. CREDIT BUREAU COLLECTION SERVICES, INC.
Recognizing Harassment
Recognizing harassment in debt collection is crucial to protecting oneself from unlawful practices. Debtors have the right to be treated fairly and respectfully by debt collectors. They should be aware of the signs of harassment, including excessive phone calls, threatening or abusive language, and false or misleading statements. Debtors should also know their rights under the FDCPA and other laws that regulate debt collection services. For example, debt collectors are prohibited from contacting debtors at their place of employment or at unusual hours, and they must provide debtors with a written notice of the debt and their rights under the FDCPA.
Understanding these rights empowers debtors to take action against harassment. If a debt collector violates the FDCPA, debtors can file a complaint with the Federal Trade Commission (FTC) or take legal action. Keeping detailed records of all communications with debt collectors, including phone calls and letters, can provide valuable evidence in such cases. By staying informed and vigilant, debtors can protect themselves from abusive practices and ensure that their rights are upheld.
Identifying Signs of Harassment by Collection Agencies
Some common signs of harassment by collection agencies include:
- Excessive phone calls or letters
- Threatening or abusive language
- False or misleading statements about the debt
- Unfair or unconscionable means to collect debts
- Failure to provide clear and accurate information about the debt
- Ignoring or disregarding the debtor’s rights under the FDCPA
- Contacting the debtor at their place of employment or at unusual hours
- Using deceptive or misleading practices to collect debts
Recognizing these signs is the first step in addressing harassment. Debtors should document any instances of these behaviors and report them to the appropriate authorities. By taking proactive measures, debtors can hold debt collectors accountable and prevent further harassment.
Preventing Harassment
Preventing harassment in debt collection requires debtors to be aware of their rights and to take steps to protect themselves from unlawful practices. Debtors should keep accurate records of their debts, including payment receipts and communication with debt collectors. They should also be cautious when dealing with debt collectors and avoid providing personal or financial information unless necessary. Debtors can also seek the help of a credit bureau or a government agency to resolve disputes or complaints about debt collection practices. For example, the Federal Trade Commission (FTC) is a government agency that regulates debt collection practices and provides guidance to consumers on how to deal with debt collectors.
By staying informed and proactive, debtors can reduce the risk of harassment and ensure that their rights are protected. Seeking assistance from credit bureaus or government agencies can provide additional support and resources for resolving disputes. Ultimately, understanding one’s rights and taking appropriate action can help debtors navigate the challenges of debt collection and maintain their financial well-being.
ABOUT CONSUMER RIGHTS LAW FIRM, PLLC
is a law firm that specializes in helping clients who are facing any form of harassment from debt collectors. Contact a legal professional to stop debt collection harassment from Credit Bureau Collection Services. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
Call us now on for immediate assistance
Here are a few success stories from some satisfied consumers:
“What an amazing experience I had with Consumer Rights Law firm. I kept getting constant calls from a debt collector who was asking for someone I didn’t know. After explaining over and over I was not the person they were looking for, The calls still continued, it became frustrating and very annoying. I came across this firm and just called to talk to someone to see how I could get the calls to stop. I spoke to a gentleman that was very professional and very helpful. Not only did they get the calls to stop immediately, but they were also able to put some money in my pocket as well, Here’s the best thing, it cost me nothing for them to help me. They come highly recommended. Thank you Consumer Rights” – Sean A.
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff was very courteous and helpful and they were familiar with the Collection Agencies in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer.” -Dencia G.
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights.” Theresa M.
Check out the links below for more information:
