CBCS Collections

Is CBCS Collections hurting your credit score?

Lexington Law has helped millions of customers remove collections and other negative items from their credit reports. Let them help you too!

Who is CBCS?

Credit Bureau Collection Services, Inc. (CBCS) is now Revco Solutions, Inc. CBCS is an aggressive debt collection agency with locations in Columbus, Ohio and Jacksonville, Florida.

You may see CBCS listed on your credit report as a collections account. This can happen if you owe a creditor money and they’ve hired someone to collect that money.

Removing CBCS Collection Accounts

Collections can hurt your credit score and remain on your credit report for up to 7 years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to have it removed before 7 years, and you may not even have to pay it.

(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)

Lexington Law is a credit repair company that helps people fix their credit. As a result, you may not even have to pay any of the debts on your credit report.

In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, judgments, tax liens, and bankruptcies.

Call Lexington Law now to learn more: (800) 220-0084

CBCS/Revco Solutions Contact Information

Address:

CBCS Collections
250 E Broad St Ste 2100
Columbus, OH 43215-3754

Mailing address:

CBCS Collections
PO Box 1810
Columbus, OH 43215

Website: https://revcosolutions.com/

Phone number: (855) 202-0113

Should I contact or pay CBCS Collections?

Nothing good can come from speaking to a collection agency on the phone. And making payments on the collection account will reset the clock. So not only will it not help your credit, but it could actually make it worse.

The best way to go about handling this is to work with a professional credit repair service. They have deleted millions of negative items from companies like CBCS Collections for millions of clients nationwide.

Will CBCS Collections sue me or garnish my wages?

It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They will help you dispute the collection account and possibly get it removed from your credit report. It’s also quite possible that you may never hear from or have to deal with CBCS Collections again.

Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.

Wage Garnishment

Some states allow wage garnishment, while others do not. It is important to note that if you are in a state that does not allow wage garnishment, it is illegal for them to threaten to garnish your wages.

It is also illegal for CBCS Collections to make any claims they cannot or will not follow through on – this includes threatening to sue you or to foreclose on your home.

CBCS Collections Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). It’s because they often report accounts inaccurately and/or for harassment. If you are being harassed by a debt collector, you should also consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Lexington Law knows that you have rights, and CBCS does too.

How Collections Affect Your Credit

Missed payments over several months will cause a hit to your credit score. Couple that with a collection account on your credit report, and it can definitely impact your ability to qualify for new credit.

Debt collectors often buy and sell debt from one another, so this can lead to multiple collections showing on your credit reports for the same account.

When this happens, if you don’t dispute the accounts, they will definitely have a negative impact on your credit score.

Your Rights When Dealing with CBCS Collections

There are strict regulations about what a debt collector can and cannot do in the United States. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect any debt, whether or not you actually owe it. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • Debt validation. Under the FDCPA, you have the right to validate a debt. The collection agency reporting the information must prove to you, within 30 days, that the account is really your responsibility and the amount of money you owe is accurate.
  • All personal debts are covered, including personal credit cards, auto loans, household bills, and mortgage payments.
  • CBCS Collections may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • CBCS Collections must be honest about who they are and what they are trying to do. They must notify you that they are a collection agency both orally and in writing.
  • CBCS Collections cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.

More Tips on Dealing with CBCS Collections

Avoid the phone. NEVER talk to a debt collector on the phone. The less they know about you, the better.

Politely tell them it’s your policy to deal with everything in writing. Request a letter with the original debt information and then hang up. If they keep calling, send them a cease & desist letter.

Record their phone calls. If you must deal with a debt collection agency on the phone, record them. Thirty-five states and the District of Columbia allow you to record your phone conversations secretly.

In the other 15 states, you can record with the other party’s permission. If you tell the debt collector you are going to record, and they keep talking, that’s considered giving permission. They will usually hang up.

Don’t believe what they say. Debt collectors are known to make false threats, lie, and tell you whatever they need to tell you to try to get you to pay the debt.

Don’t try to hide money. It’s considered fraudulent to hide money or assets from a legitimate collection agency if you owe them. However, it’s also best to avoid giving access to your bank account or credit card information.

Don’t apply for new lines of credit. It’s also considered fraudulent to apply for new lines of credit if you are unable to pay your current creditors.

Don’t ignore them. You can do things on your terms, but ignoring the situation will not make them go away. Ignoring them sets you up for a possible lawsuit.

Know Your State’s Statute of Limitations. Each state has a statute of limitations on debt. Once your debt reaches a certain age, it is considered “zombie debt,” and you are no longer legally obligated to pay it. The age limit varies from state to state, but usually, it’s around 4-6 years.

A collection agency is still allowed to contact you about these debts, but they can no longer sue you for them, and you are not required to pay them.

Validate the Debt First

If you think CBCS is off-base by trying to collect from you, the first thing you should do is send a debt validation letter.

In addition to the validation letter, you may also consider sending CBCS a cease and desist letter, or filing a complaint against them with your state’s attorney general office or the FTC.

stressed out woman

Try to Make a Deal

If a debt collector like CBCS is able to show you that your debt is valid, try to get them to make some concessions before you pay them. Again, they just want your money, and to them, some money is better than no money.

Ask them if they will accept payment of a lower amount to settle the account. Also, ask them to remove any negative marks that have already been reported to credit bureaus before you pay them – sometimes they will agree to this. Whatever they may agree to do, be sure to get it in writing!

The Best Way to Remove CBCS from Your Credit Report

Lexington Law specializes in disputing CBCS accounts. They have over 28 years of experience and have removed over 10 million negative items for their clients in 2018 alone.

Proof of Collections Removed:

CBCS removed from TransUnion

Get Your Collections Removed Today!

If you’re looking for a reputable company to help you with collection accounts and repair your credit, we HIGHLY recommend Lexington Law.

Call them at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.

Since 1991, Lexington Law has provided professional credit repair services and experienced support to hundreds of thousands of people. Their many years of experience has helped them develop and refine their services to deliver optimal results.

If you’re sick of having bad credit, let the professionals take care of it for you. They can delete all kinds of negative items from your credit reports, including bankruptcies, foreclosures, repossessions, charge offs, judgments, tax liens, collections, and more.