CBS Collections on Your Credit Report? Fight Back and Win

For most Americans, debt is an inescapable reality. And for those who have accounts that have been sent to collections, the situation can feel overwhelming - and CBS Collections is notorious for their aggressive tactics when pursuing customers who owe them money. 

Fortunately, there are steps you can take to help resolve this issue and even have it removed from your credit report. In this article, we’ll cover everything you need to know about CBS Collections and how best to handle negotiations if you find yourself going up against the company.

What Does CBS Collections Do?

Debt collectors, like CBS Collections - founded in 1920 in Louisiana - work to recover unpaid debt from consumers who have defaulted on their payments. They  do this by attempting to contact the debtor through telephone calls, emails, and traditional mail. Some debt collectors may also use litigation or wage garnishment measures in an attempt to collect a debt. 

It’s important to remember that becoming delinquent on your debt doesn’t mean you’re obligated to put up with inappropriate behavior. Knowing your legal rights can help protect you from unfair practices when dealing with high-pressure tactics used by some debt collectors.

Is CBS Collections a Legit Company?

CBS Collections is a legitimate debt collector - and one of the oldest in the United States. The company’s contact information can be found below:

• Phone Number: (800) 256-2850
• Website: http://www.cbscollections.net/
• Address: 1244 Jackson St Alexandria, LA 71301-6927
• BBB Rating: 1/5 

If you've received communication from CBS Collections about a debt you don't recognize, you should investigate - it's not out of the ordinary for creditors to pursue the wrong person for a debt. Make sure you review your credit report thoroughly, and if you need assistance identifying errors, reach out to our firm at Fair Credit today!

What Can I Do If I’m Being Harassed by CBS Collections?

When you’re contacted by CBS Collections about past due debt, it's easy to feel like you don't have any options. Knowing your rights under law is an important step in navigating any collection process. According to the FDCPA of 1978, you have the right to negotiate a payment plan or dispute the accuracy of the amount owed, among other options. 

Additionally, the law prevents collectors from engaging in unfair or inappropriate behavior. This can include, but is not limited to, the following:

• Harassing or abusive behavior towards a consumer, such as using obscene language, repeated calling, or calling at inconvenient times
• False or deceptive representation of the character and amount of debt owed
• Contacting employers, family members, and/or friends in order to try to collect the debt without proper consent
• Making false threats of legal action or criminal prosecution
• Sending misleading documents or impersonating an attorney or law enforcement official
• Adding unauthorized fees and interest to the debt balance
• Refusing to provide verification of the debt when requested by the consumer
• Reporting false information to credit reporting agencies

To ensure that your legal rights are properly defended, don't shy away from taking legal action against any collector who has violated them. It is important to document any evidence of the violations to back up your claim. The collection of these pieces of evidence will be essential for building an effective case while in court. 

Additionally, receiving counsel from an attorney with experience in dealing with consumer's law can greatly enhance the chances of success for your lawsuit.

How Can I Get CBS Collections Removed from My Credit Report? 

Getting a collections account off your credit report can be challenging, but there are steps you can take to improve your credit score and remove the negative effect of the collection. 

First, you should contact the creditor directly and negotiate a settlement or repayment plan. This process involves making an agreement with the creditor to pay off the full amount owed or agree on a payment schedule that works for both parties. Once this is agreed upon, make sure to get everything in writing and keep records of all payments made.

If you are unable to reach an agreement with the creditor, here are some additional steps to take:

• Request validation of the debt from the creditor. It is important to ensure that you are only paying what you legally owe by verifying that information provided by the creditor is accurate and up-to-date.
• Dispute inaccurate information on your credit report. If any information related to this collection account appears inaccurate on your credit report, you can file a dispute with the credit bureau listing it and have it corrected or removed altogether.
• Pay in full or negotiate a payment plan with a third-party debt collector if necessary. If you have been contacted by a third-party debt collector, they may also be open to negotiating a payment plan or lump sum settlement arrangement as well.

If you’re struggling to resolve the issue on your own, it can help to work with an attorney with experience in consumer law who can help guide you through the dispute process.

Contact Us For Your Free Case Review

At Fair Credit, we believe everyone has the right to a fair and transparent experience when it comes to debt collection. We want to empower consumers who find themselves struggling against unfair practices and give them the tools to fight back. Our experienced attorneys are experts in consumer law and provide comprehensive support from start to finish. 

We also offer a free case review service so anyone can take their first step towards getting the relief they deserve. Don't hesitate – contact us today.