CBCS Collection Agency |
By David Pilley on January 5, 2011
.jpg.aspx?width=75&height=75) There are certain institutions that are just downright bad. They do absolutely nothing to help you out, they try to get money out of you, and they might even be doing illegal activities. Sometimes, by total coincidence, they even share the same name.
Take the BCS, for example. The BCS is widely regarded as the most destructive of all institutions in college athletics. The BCS is in place of a postseason tournament for one division of college football in the United States. Every collegiate sport except for Division I-A football uses a tournament to determine a national championship. What does the BCS do? It uses faulty computer rankings, ignorant voters, and brand names to determine the “top two” teams that will play in the “BCS National Championship Game.” For 68 other teams, there are single “bowl games” that do nothing but cause most participating schools to hemorrhage money because of travel costs and inability to sell tickets. In other words, the BCS is controversial, it works for a tiny bureaucracy, and it doesn’t work for the remaining 99.9% of us.
This is also the case of a collection agency called CBCS. CBCS is based in Columbus, OH, and the company has a bad reputation of harassing customers over the phone, many time the wrong customers. The company website claims it specializes in health care collections, but it does much of its business trying to collect on overdue phone bills. The company often tries to collect on debts that are past the statute of limitations, a practice that is frowned upon and sometimes illegal. Employees of CBCS have also been known to call the wrong home numbers or workplace numbers, and they have also tried to collect on accounts that have already been paid off and nonexistent accounts.
Most damning of all is their asking of personal information. They will try to ask you for your social security number or your workplace, and they will do everything they can to get money from you. You should never supply any of this information to a third party, especially over the phone!
To combat the CBCS, you can educate yourself. Read up on the Fair Credit Reporting Act and learn your state’s debt collection laws, especially the statute of limitations for each type of debt. You should also send CBCS a validation letter, asking if the company can validate the account from which they’re trying to get money. You can also try sending CBCS a cease and desist letter to stop the harassing phone calls. If the company cannot validate the account and it doesn’t stop asking for money, it may be in violation of the Fair Debt Collection Practices Act. You can file a complaint with the FTC or your state’s attorney general. By understanding your legal rights and what you can do, you can be better prepared if a corrupt collections agency starts calling you day and night.
If you received a letter from CBCS, the appropriate contact information will be on that letter. CBCS does not maintain a central shared number for debtors to call. See the following forum post for CBCS contact information.
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