Complaint Review: CBCS Collection - Columbus Ohio

It is illegal and what they are doing is basic skip tracing. On line anyone call put up the deceased social security number which also gives the last know address and place and date of death. There are so many databases with individual personal information it is scary. This is what identify theft is at an all time high. You will see many posts advising to not disclose ANY INFORMATION ABOUT YOURSELF even if some of the debt is valid to these collectors. Because of the unethical and unscrupulous activities of "collectors" (apologies to the honest ones.) never divulge your social security number, address, place of employment etc. THEY COULD BE STEALING YOUR IDENTITY. Also NEVER SIGN any letter to a collector. Your signature could be forged on documents. Tell them to validate by . What the money you say I owe is for; Explain and show me how you calculated what you say I owe; Provide me with copies of any papers that show I agreed to pay what you say I owe; Provide a verification or copy of any judgment if applicable; Identify the original creditor; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent 1. NEVER talk to a collection agency on the phone. Period. 2. Keep good records. This can be the difference between a good and bad settlement. Don't expect them to remember you or what you agreed upon. 3. Send all correspondence via registered mail, receipt requested and put the registered mail number ON THE LETTER. DO NOT SIGN THE LETTER TYPE YOUR NAME 4. Keep a copy of every letter you send. 5. Penalties and extra interest are typically fictious amounts of money added on by the collection agency to pad their profits. Sometimes as much as to 50% of the debt or more claimed to be owed by a collection agency consisting of interest and fees. This is illegal, every state has usery laws (which dictate the maximum interests allowed to be charged. That is except North Dakota. There are no such laws which is why most credit card companies incorporate there.) Junk debt buyer pay anywhere from 1 cent to 7 cents on the dollar, there is no way there is this much interest. 6. Time is on your side. As time passes, the creditors will likely stop calling and the debt will be filed away for future attention or until the SOL runs out ..

It is illegal and what they are doing is basic skip tracing. On line anyone call put up the deceased social security number which also gives the last know address and place and date of death. There are so many databases with individual personal information it is scary. This is what identify theft is at an all time high. You will see many posts advising to not disclose ANY INFORMATION ABOUT YOURSELF even if some of the debt is valid to these collectors. Because of the unethical and unscrupulous activities of "collectors" (apologies to the honest ones.) never divulge your social security number, address, place of employment etc. THEY COULD BE STEALING YOUR IDENTITY. Also NEVER SIGN any letter to a collector. Your signature could be forged on documents. Tell them to validate by . What the money you say I owe is for; Explain and show me how you calculated what you say I owe; Provide me with copies of any papers that show I agreed to pay what you say I owe; Provide a verification or copy of any judgment if applicable; Identify the original creditor; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent 1. NEVER talk to a collection agency on the phone. Period. 2. Keep good records. This can be the difference between a good and bad settlement. Don't expect them to remember you or what you agreed upon. 3. Send all correspondence via registered mail, receipt requested and put the registered mail number ON THE LETTER. DO NOT SIGN THE LETTER TYPE YOUR NAME 4. Keep a copy of every letter you send. 5. Penalties and extra interest are typically fictious amounts of money added on by the collection agency to pad their profits. Sometimes as much as to 50% of the debt or more claimed to be owed by a collection agency consisting of interest and fees. This is illegal, every state has usery laws (which dictate the maximum interests allowed to be charged. That is except North Dakota. There are no such laws which is why most credit card companies incorporate there.) Junk debt buyer pay anywhere from 1 cent to 7 cents on the dollar, there is no way there is this much interest. 6. Time is on your side. As time passes, the creditors will likely stop calling and the debt will be filed away for future attention or until the SOL runs out ..

I have done some further investigating and have found that CBCS gets some of their debt information from old discharged bankruptcies and deseased records. Unfortunately these records are archived in old newspapers. So even if the debt has been taken care of, their digging up the info and are trying to collect on it. They are even going so far as to attach todays date to it and then report it to the bureaus affecting our credit. This sounds illegal to me. What can be done to stop this? Anyone have any advise? Sounds like a Class Action suit to me.