If your phone has started ringing with calls from a company you have never dealt with before, and the name CBF Business Solutions Inc shows up on your caller display or in a letter, it can be confusing and stressful. Maybe the caller says you owe on a medical bill, a utility account, or an old balance you barely remember. Maybe they are calling several times a day or at awkward times, and the tone of the conversation makes you feel pressured or even afraid.
When that happens, you may start searching for CBF Business Solutions Harassment or try to confirm a CBF Business Solutions Phone Number just to figure out who is really calling you. The good news is that even if you owe a legitimate debt, you still have strong rights. A collector is not allowed to say or do whatever it wants.
This guide explains who this company is, why it might be contacting you, what behavior may cross the line into harassment, and how to protect yourself using federal consumer protection laws. It also shows how Consumer Rights Law Firm PLLC can step in on your side so you do not have to face a powerful Debt Collection Agency alone.
Who CBF Business Solutions Inc Is
Public business directories and the company website describe CBF Business Solutions Inc as a long established credit and information service provider based in Frederick, Maryland. The company traces its roots back to the early nineteen thirties and began as one of the first credit bureaus in the country.
Today, the business offers credit report services, property search and title support, and other information products to landlords, financial institutions, and businesses. At the same time, it also provides debt collection services, especially in areas like medical, retail, and deregulated utility accounts.
That combination explains why you may see the company described both as a credit reporting operation and as a Debt Collection Agency. If your account is in collections, you are dealing with the collection side of the business, not with a lender or service provider.
Contact information from multiple sources places CBF Business Solutions Inc at addresses in Frederick, including a Patrick Street location and an Interstate Court office, with published phone lines such as 301 663 3175 and an eight hundred number used for client and debtor calls.
Is CBF Business Solutions Inc Legitimate
One of the first questions many people ask is whether this company is a real business or a scam. The answer is that CBF Business Solutions Inc appears in state corporate records, credit industry directories, and business listings as a genuine corporation that has been in operation for decades.
Better Business Bureau records show the company listed as a credit reporting business with a strong rating and no formal complaints on file at the time of the latest report. Separate consumer reporting organizations, however, list the business as a collection company and identify it as a source of debt collection calls, including calls that some people experience as harassing.
Being legitimate means the company is real, but it does not guarantee that every claim it makes about a debt is correct or that every call follows the law. It also does not prevent scammers from pretending to be this collector. That is where understanding the signs of CBF Business Harassment and knowing how to verify details becomes crucial.
Why CBF Business Solutions Inc Might Be Contacting You
CBF Business Solutions Inc does not usually originate consumer debts. Instead, it works on behalf of other businesses to recover unpaid balances. Those clients can include medical practices, hospitals, retailers, and utility providers, along with landlords and other creditors.
When a bill goes unpaid for long enough, a creditor may decide to refer the account to a collector. The Debt Collection Agency then sends letters, makes calls, and sometimes reports the account to credit bureaus in an effort to recover what is owed.
Reasons the company may be contacting you include these situations
- 👉 A medical bill was not paid after insurance adjustments and billing notices.
- 👉 A utility or retail account was closed with a remaining balance.
- 👉 A landlord or property manager referred unpaid charges to this collector.
- 👉 An earlier collector returned the account and it was reassigned.
By the time CBF Business Solutions Inc reaches out, your account may be months or even years old. Information can be incomplete or inaccurate. Fees or interest may have been added. In some cases, debts are assigned to the wrong person or are too old to be enforced in court. These are all reasons to insist on clear proof before you make any payment agreement.
What CBF Business Solutions Harassment Looks Like
Not every call or letter from a collector is illegal. A single respectful reminder about a valid bill is allowed. CBF Business Harassment begins when the pattern of conduct becomes unreasonable, intimidating, or deceptive.
Consumers and law firms that track collection abuse describe conduct associated with this company and similar collectors that may include
- ➡️ Repeated calls in a short period, sometimes several times in a day
- ➡️ Calls that continue after you clearly say the timing is inconvenient
- ➡️ Calls to your workplace even after you explain that your employer does not permit them
- ➡️ Pressure to pay immediately during the first call
- ➡️ Vague or aggressive threats about lawsuits, wage garnishment, or damage to your credit
- ➡️ Refusal to send written documentation even after you ask
- ➡️ Use of rude, sarcastic, or intimidating language when you hesitate or ask questions
Legal firms that monitor collection behavior specifically identify CBF Business Solutions Inc as a source of collection calls and invite consumers to seek help if they feel harassed by this company. That does not mean every call is abusive, but it confirms that problems can arise.
If you see several of these behaviors together, you are likely dealing with CBF Business Harassment, not just routine customer contact. At that point it is important to stop reacting out of fear and instead begin using your rights.
Your Rights Under The Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act is the main federal law that regulates how a Debt Collection Agency is allowed to behave when collecting personal or household debts. Because CBF Business Solutions Inc collects debts that belong to other companies, the collection side of its business must comply with this law whenever it pursues a consumer account.
Under the fdcpa, a collector may not
- ✅ Call you before eight in the morning or after nine at night in your time zone
- ✅ Call you repeatedly with the specific aim of harassing or abusing you
- ✅ Use profanity or abusive language
- ✅ Threaten you with arrest or criminal charges for not paying a civil debt
- ✅ Misrepresent the amount you owe or claim that legal actions have been taken when they have not
- ✅ Pretend to be a lawyer, court official, or government agency if that is not true
- ✅ Reveal details of your debt to most third parties such as neighbors or coworkers
The law also requires the collector to send you a written notice soon after first contact, which must include the amount of the debt, the name of the current creditor, and an explanation of your right to dispute the debt in writing within a limited time.
If you send a written dispute, collection activity generally should pause until the company sends you verification. Continuing aggressive contact without providing any proof may support a claim for CBF Business Harassment and can lead to financial penalties for the collector.
If your rights are violated, you may be entitled to recover statutory damages, compensation for actual harm such as stress or lost wages, and attorney fees if you bring a successful case.
CBF Business Solutions Phone Number Listings And Verification
One source of confusion is that collectors rarely use only a single phone line. People who report calls from this company list several different numbers, including regional lines and toll free numbers. Law firms that monitor collection calls identify numbers such as 301 663 3175, 301 663 1666, and 800 666 0655 as being used by CBF.
That is why simply seeing a number on your caller display is not enough to confirm anything. When you receive a call, you should always ask the representative for
- ➤ The full company name
- ➤ The mailing address
- ➤ A direct CBF Business Solutions Phone Number you can call back
- ➤ The name of the original creditor
- ➤ The approximate date and amount of the debt they claim you owe
Once the call ends, compare the CBF Business Solutions Phone Number and address you were given with the contact details posted on the company website or listed in reputable business directories.
If the information does not match, or if the caller refuses to provide clear contact details, you should treat the call as suspicious. Scammers sometimes pretend to be from a known collector to trick people into sending money. Even when the details do match, you do not have to accept everything you are told. Verification is about identifying who you are dealing with, not about giving up your right to question the debt.
How To Respond When CBF Contacts You
When you receive the first phone call or letter, panic is a natural reaction. A calmer, structured approach will protect you better.
Start by documenting everything. Keep a simple notebook or digital file where you record
- ➜ Date and time of each call or letter
- ➜ Name of the person you spoke with
- ➜ The CBF Business Solutions Phone Number that appeared on your caller display
- ➜ A brief summary of what was said, especially any threats or promises
Save all letters, emails, and text messages. Take screenshots of call logs and voicemail transcriptions where possible. This record becomes valuable evidence if you later need to prove CBF Business Solutions Harassment or dispute inaccurate information.
Next, wait for written confirmation if you have only heard from the collector by phone. The law says you should receive a written notice describing the debt and your rights. When you get that notice, compare the information with your own memory and any records you still have. Does the name of the original creditor look familiar. Is the amount realistic. Do the dates make sense.
If anything seems wrong or unclear, send a written dispute and request for validation. State that you dispute the debt or part of it, and ask for details such as the original creditor name, an itemized breakdown of the amount, and copies of any statements or agreements that support the claim. Send your letter using a method that provides tracking and keep a copy for your files.
While you are waiting for a response, you do not need to agree to a payment plan or settlement. Take time to understand what is being claimed and to consider your options.
How To Reduce Or Stop Harassing Calls
Even when a debt is valid, you have the right to limit the ways a collector contacts you. If calls from CBF are disrupting your work or family life, you can act.
You can clearly tell the collector that your employer does not allow personal calls at work and that calls to your workplace must stop. If the company continues to call you there after that, it may be violating the FDCPA.
You can also explain which times of day are not convenient and say that you prefer to communicate in writing. Putting these requests in a letter gives you proof that you made them.
If CBF Harassment continues even after you have set reasonable boundaries, you can send a more formal letter that instructs the company to cease most direct communication. After receiving such a letter, a collector is generally allowed to send only limited notices, such as statements about specific legal actions. If calls continue beyond what the law allows, that becomes strong evidence of unlawful conduct.
Letting unknown numbers go to voicemail while you gather information can also protect your peace of mind. You can listen later when you are calmer and update your notes without being forced into rushed decisions.
How Collection Activity Affects Your Credit
Because CBF Business Solutions Inc also operates in the credit reporting space, there is a real chance that any collection account they handle will appear on your credit reports. A negative entry can lower your credit score and make it harder to obtain loans, housing, or even some jobs.
The Fair Credit Reporting Act requires that information reported to credit bureaus be accurate and complete. If a collection entry tied to this company appears on your report, it should show the correct balance, the right dates, and an accurate identification of the creditor. It should not list the same debt multiple times.
You have the right to obtain your credit reports from the major bureaus and to dispute any entry you believe is wrong or incomplete. To do that, you send written disputes to the bureaus and, ideally, to the furnisher as well, explaining what is wrong and including any supporting documents. The bureaus then must investigate, and the collector must verify or correct the information.
If errors about a collection from this Debt Collection Agency remain on your reports even after a proper dispute, you may have a separate legal claim under the FCRA. That claim can allow you to seek money damages and require the removal of inaccurate data.
When Legal Threats Or Lawsuits Appear
Sometimes collection efforts escalate into threats of legal action or an actual lawsuit. If you receive a letter or call that talks about court, you should pay close attention to the wording. Collectors are not allowed to threaten lawsuits lightly or to say that legal action is certain if that is not true. Empty or exaggerated threats can be part of CBF Business Solutions Harassment.
If you receive a real summons and complaint with your name on it, you are facing a lawsuit and must respond. Those papers usually state that a creditor or collection company claims you owe a specific amount and wants a court judgment. The summons tells you how many days you have to file a response.
Ignoring a lawsuit is almost always the worst choice. If you do nothing, the plaintiff can ask the court for a default judgment, which may lead to wage garnishment, bank account levies, or liens on certain property depending on the law in your state.
You are allowed to defend yourself. A consumer rights lawyer can review the complaint and any documents the company has. In many cases, collectors do not have complete records or cannot adequately prove that they have the right to collect the debt. In some situations, the statute of limitation has expired, which means the court case should not go forward.
If there has been a pattern of CBF Harassment leading up to the lawsuit, your lawyer may also be able to raise counterclaims under the FDCPA or FCRA while defending you against the main claim for money.
How Consumer Rights Law Firm PLLC Can Help
Standing up to a collector on your own can feel overwhelming, especially when calls and letters have already shaken your confidence. Consumer Rights Law Firm PLLC focuses on helping people who are experiencing collection harassment and unfair credit reporting and can act as your advocate in dealing with CBF Business Solutions Inc or any other collector.
Consumer Rights Law Firm PLLC
📌 133 Main Street Second Floor
North Andover MA 01845
📞 Phone 877 700 5790
📩 Email help@consumerlawfirmcenter.com
The team at Consumer Rights Law Firm PLLC can
- ✔️ Review your call logs, letters, and credit reports to identify possible legal violations
- ✔️ Explain your rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act in everyday language
- ✔️ Communicate directly with the collector so you do not have to handle each conversation yourself
- ✔️ Send formal demands that CBF Harassment stop and that any alleged debt be properly validated
- ✔️ Defend you if a lawsuit has been filed and require the collector to prove its case with real evidence
- ✔️ Pursue money damages when your rights have been violated, including statutory damages and compensation for actual harm where available
Many consumer protection cases allow winning consumers to recover attorney fees from the collector, which often makes it possible to obtain help without paying large fees in advance.
Practical Ways To Protect Your Peace Of Mind
Legal tools are important, but your day to day wellbeing matters just as much. While you are dealing with CBF Business Solutions Inc or any other collector, these habits can help you stay grounded.
- ⭐ Keep all documents related to the debt in one folder so you are not searching every time a new letter arrives.
- ⭐ Set aside a specific time to deal with collection issues and do something relaxing afterward.
- ⭐Let unknown numbers go to voicemail when you are not prepared to talk, then listen later when you feel calmer.
- ⭐ Avoid making payment decisions while you feel panicked or pressured.
- ⭐ Talk to trusted friends, family, or counselors if the stress becomes heavy.
Debt trouble is common, especially after illness, job loss, or family emergencies. Feeling ashamed will not help you solve the problem. Treat yourself with the same patience you would offer someone else in your situation.
Success Stories
- 🏆 I was being harassed by Accounting Systems Inc over a debt I didn’t even owe. The law firm reviewed my case, proved the debt was invalid, and forced them to remove it from my credit report. They even got me compensation for the illegal collection attempts. If you’re dealing with debt collector abuse, call these lawyers—they fight for you!
- 🏆 After Accounting Systems Inc threatened legal action and called my workplace, I reached out to Consumer Rights Law Firm PLLC. They were incredibly responsive and explained my rights clearly. They negotiated a resolution, stopped the harassment, and made sure the collectors followed the law. I couldn’t have asked for better representation!
- 🏆 Accounting Systems Inc was calling me multiple times a day, even after I asked them to stop. I felt bullied and stressed. Consumer Rights Law Firm PLLC stepped in, sent a cease-and-desist letter, and sued for violations of the FDCPA (Fair Debt Collection Practices Act). Not only did the calls stop, but I also received a settlement for the harassment. Highly recommend their expertise!
Frequently Asked Questions
What kind of company is CBF Business Solutions Inc❓
It is a long established credit reporting and service company based in Frederick, Maryland, that also operates as a collection company and recovers unpaid accounts on behalf of other businesses.
Is this a real Debt Collection Agency❓
Yes, it is a real and legally registered company, but that does not mean every claim it makes about a debt is correct or that every call is lawful.
How do I know if I am dealing with CBF Harassment❓
If you are receiving repeated calls, facing threats, hearing rude language, or being refused written proof of a debt, you may be dealing with harassment instead of fair collection.
What should I do if I get a call from a new CBF Business Solutions Phone Number❓
Ask the caller for the full company name, mailing address, and a callback line, then compare those details with information on the official website or trusted business directories before you share personal information.
Can I really fight back against a large collector❓
Yes. Federal law gives you rights to dispute debts, demand validation, limit certain contacts, correct inaccurate credit reporting, and seek money damages when a collector breaks the rules. Working with a firm like Consumer Rights Law Firm PLLC can help you use those rights effectively.
