Complaint Review: CMB & Associates - Addison Texas

Jason is a liar and he owes me money as I worked for him for 2 days and he refuses to pay me for the 2 days work and said that I was a contract laborer. 

First I would like to state that I have no affiliation with either party, but I do have over 10 years experience in commercial collections. I have worked in both first and third party collections for companies big and small, and I have collected on accounts ranging from small balance trash service to multimillion dollar advertising accounts.

Over the course of my career I have developed some insight of both the psychology of this business and the mindset of debtors & clients (creditors). I understand that the complainant was probably frustrated by the fact that he couldn't recover the funds himself and it sounds like he was relatively inexperienced with how this industry operates. Assuming that he is a smaller business since he only had 1 account to place, I understand that he was very frustrated and depending on how small of a business he has this debt could have crippled it from being able to meet his own overhead, but I am speaking hypothetically since I do not know anything about him or his business.

I will assume however he is a some what educated person, and being so I find it highly unlikely to believe anybody can guarantee recovery of a debt. It states that they attempted several times to contact and attempt recovery of this debt but were unsuccessful in doing so.

Now the debtor states that he is not willing to pay, because he feels that he is been harassed buy representatives from this company. Well what was his reason for not paying prior to that. This is a standard excuse, and I find it very irresponsible that someone would bad mouth the company attempting to recover this debt on your behalf, because of it.

As far as not being able to contact, new representative from this company

CMB requests proof to Jim Rs true identity if he wants anything posted publically on this forum to have any legal merit and openly requests direct communication by you or your attorney with proof of contract with CMB.  CMB does understand that Jim R has the cowardly right to maintain his desire to be anonymous due to fears of litigation or prosecution.







CMB does NOT have a client in DFW or Dallas Texas with a contract signer or contact name of Jim R in its database. It is by the admission of Jim R. that his complaint has no actual monetary loss, as he has not paid for any services of CMB, has no known contract with CMB, and CMB has NOT collected any funds owed to Jim R or his unknown company.







Also let it be known that it is common place in this industry for competitors, debtors in collections, or unscrupulous people to make deceptive claims to discredit their pursuers with intent to avoid their legal obligations.







CMB wants to address the subject matter as IF this was a legitimate complaint to benefit any reader of this complaint. CMB would also like to vocalize publically that CMB received original notice of this complaint via email by services of this website to arbitrate this compliant for a $2000.00. Now that is a real RIP OFF REPORT.  So anyone with a computer can type a false complaint on this website while the website trys to blackmail the recieving company to pay them $2000.00 to "set the record straight." Ripoffreport.com, CMB formally refuses to let you rip us off! CMB will not pay $2000 to this website or any ransom for that matter made by any company or individual that wishes to remain anonymous without evidence and that are unwilling to litigate their allegations in a court of law.







He essentially insured me that I would receive my money guaranteed.







For the readers information, CMBs collection contract is one page to simplify the reading of the agreement and is personally guaranteed for liability to the signer. CMBs contracts state Our timed frame five day commercial recovery plan is to determine if your claims could possibly be collected and does not guarantee the claims will be collected and  no verbal agreements can be made.  So that being said, Jim Rs complaint has no merit, he would have acknowledged this fact by signing the agreement. For the record, no CMB sales representative would make such blatantly false statements on a recorded/monitored call with the expectation of a potential client to sign an agreement that states the exact opposite.







I never heard back from anyone. Not one word. Every attempt I made to contact Cody, went strait (misspelled) to VM. I even tried to contact a supervisor with no luck.







CMBs reception/front desk/phone lines are maintained daily by live personnel so that anyone calling in will always able to get ahold of someone on every phone call during office hours. We also receive correspondence daily via fax, email, client access software, phone call, and office appointments. CMB has NEVER received any correspondence or communication regarding this complaint by Jim R or his company. In this complaint, Jim R states that he owns a company that is local to our corporate office. There is obviously no excuse or reason why Jim R could not contact CMB in writing or directly contact CMB physically as our location is publically known to him and within local driving distance.  Let it also be known that CMB always maintains multiple supervisors in sales and client services so that a client will be able to wait for a supervisor to talk to or if a client is unwilling to wait then they will be provided with the supervisors direct contact information for their convenience.







I sent the account to another company to handle. 







If the writer actually had a contract for services with CMB, he would know the proper means of contract termination, which is done in writing. It appears that he has admitted to a material breach with CMB if this was an actual known contracted client. Its obvious he does not want to fulfill his legal obligation. In this scenario CMB would be legally entitled to compensation for the material breach of the contract. If this was a legitimate complaint, Jim R and his company would actually have a legitimate complaint against them by this debtor, the other hired collection agencies, and by CMB.  Jim R. has publically stated and knowingly hired multiple representation for one debt with multiple collection agencies or law firms simultaneously which would be a form of harassment to the debtor violating state and federal regulations opening up the victimized collection agency to hefty fines by the Attorney General's Office.  Jim R has knowingly confessed to committing this action and has opened himself and his company to ligation from several avenues.  To summarize, Jim R would not only lose all credibility with the debtor for anyone trying to collect his claim from multiple agencies but he would cause harm to his business by not educating himself to the laws involving the legal collection of a debt.  Can anyone imagine getting multiple listings on your credit report from multiple collection agencies for the same debt? Well thats why there are laws to protect debtors from creditors like Jim R. and the unknowing collection agencies that are victimized and fined by the state if they accept Jim R. as a client.







The other company tracked down the guy that owes me money and He stated that CMB contacts him daily with harassing phone calls. He has completely refused to acknowledge this debt due to the fact that he is being harassed







Jim R, are you seriously accusing CMB as to the reason why your debtor has not paid you originally; past, present or future? This is just more evidence to the lack of any intelligent merit or thought into this complaint. Jim R, it is called BAD DEBT for a reason, meaning this alleged debtor of yours refused to pay you originally for some reason you have not publicly disclosed for an unacceptable timeframe and this unknown reason is what any collection agency or attorney has to overcome to collect the debt.







Also Jim R, you do realize if you actually owned a company that had a contract with CMB and you signed another contract with another collection agency or law firm to collect on the same debt, that you and your company are liable for legal action from both collection companies and both collection agencies will make an attempt to bill you for breaching their agreements!  Do you actually read what you sign? Maybe this is the real reason for your complaint, if this had any merit as CMB honestly has no idea who you are, it is obvious you expect your debtor to honor your contracts even though you have no honest intent to honor yours.  It is no wonder why your debtor has ripped you off.  It is also asinine to attempt to damage our creditably when CMB provides most of our services at no upfront costs to our clients because we got in this business to help small companies who cannot afford the big legal bills.







So you sir are the one not to be trusted, you have RIPPED OFF and manipulated multiple companies for their services at no cost to you with intent to bombard and harass your bad debts under the belief that you are actually guaranteed something.







JIM R ....GOVERN YOURSELF ACCORDINGLY!