Who is Collection Bureau of America,Ltd.?
Collection Bureau of America, Ltd. (CBA) is a debt collection agency that operates from Hayward, California. They provide services to creditors by managing and collecting unpaid debts.
If Collection Bureau of America is listed on your credit report, it generally indicates an unpaid debt that has been handed over to them for collection.
Who does Collection Bureau of America collect for?
Collection Bureau of America serves a diverse range of industries for debt collection. They work for bottled water companies, cable providers, commercial businesses, medical institutions, municipal entities, and utility companies.
Is Collection Bureau of America legit or a scam?
Collection Bureau of America is a legitimate debt collection agency. They operate within the legal frameworks governing debt collection and are authorized to collect on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Collection Bureau of America from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Collection Bureau of America,Ltd. Contact Information
Address:
Collection Bureau of America
25954 Eden Landing Road
Hayward, CA 94545
Phone number: (888) 306-2045
Should I contact or pay Collection Bureau of America?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Collection Bureau of America is to work with a credit repair professional. They help remove millions of negative items every year from companies like Collection Bureau of America on behalf of their clients.
Will Collection Bureau of America sue me or garnish my wages?
Collection Bureau of America, Ltd. has the legal right to sue for unpaid debts. If they secure a judgment against you in court, they may then have the authority to garnish your wages or levy your bank accounts, depending on the laws of your state.
However, it’s important to note that these actions are typically a last resort. Filing a lawsuit can be time-consuming and costly, so many debt collectors prefer to establish a repayment plan before resorting to legal action.
Collection Bureau of America, Ltd. Complaints
Many collection agencies have numerous complaints filed 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 you find yourself facing any of these situations with a debt collector, you may also 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Collection Bureau of America
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Collection Bureau of America 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. They have 30 days to prove the debt is yours and the amount is accurate.
- Collection Bureau of America cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Collection Bureau of America must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Collection Bureau of America cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Collection Bureau of America Collections From Your Credit Report Today!
Credit Saint offers assistance with disputing Collection Bureau of America accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
