Who is CBJ Credit Recovery?
CBJ Credit Recovery, also known as MetCredit USA, is a third-party debt collection agency headquartered in Jamestown, New York. The primary role of CBJ Credit Recovery is to assist original creditors to recover funds that have been extended in credit and have not been paid back.
If you have an outstanding debt that has been handed over to CBJ Credit Recovery for collection, you may see their name listed on your credit report as a collections account.
Who does CBJ Credit Recovery collect for?
CBJ Credit Recovery works on behalf of a variety of clients in numerous sectors to recover past due debts. These sectors may include, but are not limited to, healthcare providers for unpaid medical bills, telecommunications companies for unpaid service bills, utilities providers for overdue utility bills, and even educational institutions for unpaid student loans.
Is CBJ Credit Recovery legit or a scam?
CBJ Credit Recovery is a legitimate company. However, their persistent methods of communication, which could include multiple phone calls, texts, and emails, can be perceived as harassment by some individuals.
How can I remove CBJ Credit Recovery from my credit report?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
Ready to Raise Your Credit Score?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Get started on the path to better credit today: Fill out the form for a free credit consultation.
CBJ Credit Recovery Contact Information
Address:
CBJ Credit Recovery
117 W 4th St.
Jamestown, NY 14701-1132
Mailing address:
CBJ Credit Recovery
PO Box 1132
Jamestown, NY 14701-1132
Phone number: (716) 664-4490 or (888) 291-4490
Should I contact or pay CBJ Credit Recovery?
Nothing good can come from speaking to a third-party collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with CBJ Credit Recovery is to work with a credit repair professional. They help remove millions of negative items every year from companies like CBJ Credit Recovery on behalf of their clients.
Will CBJ Credit Recovery sue me or garnish my wages?
Like most debt collection agencies, CBJ Credit Recovery is legally entitled to sue you for the unpaid debt. If they win the lawsuit and obtain a judgment from the court, they may be able to garnish your wages or levy your bank account.
However, the specific procedures and regulations about wage garnishment vary by state and type of debt. It’s worth noting that a debt collection agency cannot garnish your wages or take money from your bank account without a court order.
Is CBJ Credit Recovery hurting my credit score?
Any derogatory item on your credit report, including a collections account, may harm your credit score.
Debt collectors often buy and sell debt from one another. This can lead to multiple collections on your credit report for the same account.
To get an account removed, you must file a separate dispute with each credit bureau; Equifax, Experian, and TransUnion, or it can negatively impact your credit score.
CBJ Credit Recovery Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with CBJ Credit Recovery
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for CBJ Credit Recovery to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- CBJ Credit Recovery may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- CBJ Credit Recovery must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- CBJ Credit Recovery cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove CBJ Credit Recovery From Your Credit Report Today!
Lexington Law can assist you in disputing CBJ Credit Recovery collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
They have helped many people in your situation. Fill out the form on their website for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
