Criminal Defense Lawyers

CBCS Collection Agency Debt Help

Dealing with CBCS Collection Agency: A Comprehensive Guide

You’re here, because you’ve likely received letters or calls from CBCS Collection Agency, demanding payment for an outstanding debt. But, take a deep breath, you have rights, and options to resolve this situation favorably. This guide will walk you through understanding CBCS, your legal protections, negotiation strategies, and steps to remove their entries from your credit report.

Who is CBCS Collection Agency?

CBCS, or Credit Bureau Collection Services, is a large debt collection company based in Columbus, Ohio. In 2020, they merged with Professional Recovery Consultants, Inc., and rebranded as Revco Solutions. However, you may still encounter communications from CBCS Collections LLC, a separate entity. 4CBCS is known for aggressive tactics to collect debts they’ve purchased from original creditors like credit card companies, telecom providers, and healthcare organizations. They often pay pennies on the dollar for these debts. 2

Your Rights Under Federal Law

The Fair Debt Collection Practices Act (FDCPA) protects you from harassment by third-party debt collectors like CBCS. Under this law, they cannot:

• Call you before 8 am or after 9 pm
• Use profane or abusive language
• Threaten violence or illegal actions
• Discuss your debt with others without permission
• Misrepresent the amount owed or their identity as a debt collector 4

If CBCS violates the FDCPA, you can sue them in state or federal court. Statutory damages of up to $1,000 plus attorney fees may be awarded per violation. 4

Validating the Debt

When CBCS first contacts you, send a debt validation letter within 30 days. This requires them to provide evidence that you owe the debt, including:

• The name of the original creditor
• The account number
• An itemized statement of interest and fees
• Proof of their legal right to collect the debt 1

Don’t provide personal information or make payments until you receive this validation notice. If they fail to respond, you may have grounds to dispute the debt entirely. 1

Negotiating a Settlement

If the debt is valid, your next step is negotiating a settlement for less than the full balance. CBCS frequently accepts lump-sum settlements for 50% or less of what’s owed. 

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2024-03-21

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During negotiations:

• Get all settlement terms in writing before paying
• Request removal of the debt from your credit reports
• Avoid admitting the full debt is owed
• Consider making payments if a lump sum is unaffordable 7

Settling shows as “paid” on your credit report but has less impact than an unpaid collection over time. 6

Removing CBCS from Your Credit Report

Even if you pay or settle, the collection entry can remain on your credit report for 6-7 years from the initial delinquency date. However, you can dispute inaccurate or unverified information to have it removed sooner:

1. Request debt validation from CBCS and the credit bureaus
2. Identify any errors in dates, amounts, or ownership details
3. File disputes online or by mail with evidence of the errors
4. Allow 30 days for the bureaus to investigate per the FCRA
5. If errors remain uncorrected, escalate by filing complaints 3

Hiring a credit repair firm can increase your chances of removing CBCS successfully. 2

Statute of Limitations

If the debt is several years old, check your state’s statute of limitations laws. CBCS cannot sue you over debts outside this time period. Respond to any lawsuit immediately with this defense to have the case dismissed. 4

Key Takeaways

• Understand your rights under the FDCPA and FCRA
• Validate any debt CBCS tries to collect
• Negotiate for settlement below the full balance
• Request debt removal from your credit reports
• Dispute inaccurate information to delete entries
• Check statute of limitations before paying very old debts
• Consider credit repair help for efficient resolution