Who is CBV Collections?
CBV Collections is a debt collection agency with locations in Albany and Valdosta, Georgia. This agency works on behalf of creditors to recover unpaid debts.
If you see CBV Collections listed on your credit report as a collections account, it’s typically because you have an outstanding debt that the original creditor has been unable to collect.
Who does CBV Collections collect for?
CBV Collections collects on behalf of a variety of original creditors, although the specific companies or industries they work with are not specified. Debt collection agencies like CBV Collections often work with businesses across multiple sectors, including healthcare, utilities, financial services, and more.
Is CBV Collections legit or a scam?
CBV Collections is a legitimate company. However, their collection efforts can be persistent and may include frequent phone calls, texts, or emails attempting to secure payment.
How can I remove CBV Collections 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.)
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In addition to collections, they can help 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.
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CBV Collections Contact Information
CBV Collection Services, Ltd.
2401 Dawson Rd. Ste 6
Albany, GA 31707
Phone number: (229) 883-7300
Should I contact or pay CBV Collections?
It’s best to avoid speaking to a 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 CBV Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like CBV Collections on behalf of their clients.
Will CBV Collections sue me or garnish my wages?
CBV Collections is legally entitled to sue for unpaid debts. If they decide to take legal action and a court rules in their favor, they could potentially garnish your wages or levy your bank account, depending on the laws in your specific state. However, taking legal action is typically a last resort due to the associated costs and time required.
If a judgment is granted, the creditor can usually garnish a portion of your wages. This means your employer would be required by law to withhold a certain part of your paycheck, which would then be sent directly to the creditor to satisfy the debt. However, there are both federal and state laws that limit the amount that can be garnished from your wages.
CBV Collections 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 CBV Collections
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 CBV Collections 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.
- CBV Collections may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- CBV Collections 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.
- CBV Collections cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove CBV Collections From Your Credit Report Today!
Credit Saint can assist you in disputing CBV Collections collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
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