Collection Bureau of FWB


Is Collection Bureau of FWB hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Collection Bureau of FWB?

Collection Bureau of FWB, also known as Collection Bureau of Fort Walton Beach or Credit Business Services, Inc., is a debt collection agency based in Fort Walton Beach, Florida, with an additional office in Panama City. The agency is tasked with recovering unpaid debts.

If you see them listed on your credit report, it signifies that they’re handling a debt you’ve not paid, which can negatively affect your credit score.

Who does Collection Bureau of FWB collect for?

Collection Bureau of FWB offers their services to a diverse array of professionals and entities. These include accountants, attorneys, banks, doctors, executives, government agencies, owners of various businesses, and practice managers.

Is Collection Bureau of FWB legit or a scam?

Collection Bureau of FWB is a legitimate debt collection company. They are authorized to collect debts 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 FWB 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?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

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.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Collection Bureau of FWB Contact Information

Fort Walton Beach Address:

Collection Bureau of Fort Walton Beach
711 Eglin Pkwy NE
Fort Walton Beach, FL 32547

Panama City Address:

Credit Business Services, Inc.
1615 Florida Ave
Panama City, FL 32405

Phone number: (866) 292-9978

Should I contact or pay Collection Bureau of FWB?

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 Collection Bureau of FWB is to work with a credit repair professional. They help remove millions of negative items every year from companies like Collection Bureau of FWB on behalf of their clients.

Will Collection Bureau of FWB sue me or garnish my wages?

Collection Bureau of FWB is entitled to sue for unpaid debts. However, whether they will take this step depends on several factors, including the size of the debt, their assessment of the likelihood of payment, and applicable state laws.

If Collection Bureau of FWB wins a lawsuit against a debtor and obtains a judgment, they might potentially seek to garnish your wages or bank account, or take other action to recover the debt. This would depend on the laws in your specific jurisdiction, as some states place restrictions on wage garnishment and other debt collection practices.

Collection Bureau of FWB Complaints

Most debt 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 Collection Bureau of FWB

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 Collection Bureau of FWB 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.
  • Collection Bureau of FWB may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Collection Bureau of FWB 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.
  • Collection Bureau of FWB cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Collection Bureau of FWB From Your Credit Report Today!

Credit Saint can assist you in disputing Collection Bureau of FWB 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.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.