SB&C on Your Credit Report? Fight Back and Win

Last Updated:
April 22, 2023

SBCS Debt Collection, or SB&C, is a professional debt collection agency with its headquarters in Washington State.. Established since the early 1940s, their aim is to assist businesses and other entities in recovering overdue debts — regardless of whether you are located within or outside the state. The company has obtained necessary licensing and insurance for conducting business across various states in America.

Who Do They Collect For?

SBCS Debt Collection recovers debt for a wide variety of clients, including:

  • healthcare providers
  • banks or financial institutions
  • utility companies
  • and even some retail businesses

If you have unpaid debt with one of their clients – expect to receive a letter and calls from the agency.

Why Are They Calling Me?

There is a possibility that you are being contacted by some sort of mistake, but chances are, SBCS Debt Collection is reaching out to you regarding an outstanding debt. As a consumer, you have the right to ask for more information on any potential debt they are trying to collect and make payment arrangements if necessary. 

Familiarize yourself with your rights as outlined by relevant legislation so that you can ensure all communications relating to unpaid debts remain fair and transparent.

Are They Legitimate or a Scam?

SBCS Debt Collection has a top-tier A+ rating with the Better Business Bureau and is known for their fast response to complaints. They are a legitimate debt collection agency and definitely not a scam. Despite generally positive feedback, some consumers have accused them of using overzealous tactics when attempting to collect payments. 

It's important to be mindful of your rights if you're contacted by SBCS or any other debt collector -- arm yourself with information before continuing communication!

Steps to Take to Remove SBCS Debt Collection from Your Credit Report

Unpaid debt with SBCS Debt Collection can have significant consequences, such as:

  • higher interest rates and insurance premiums
  • lower chances of being approved for credit cards or loans
  • more difficult to rent a home

To avoid these unfortunate side effects, consider taking action to get the unpaid debts removed from your record.

Verify the Debt

Before proceeding with any debt collection, it is important to ensure that you are the correct owner of the debt. SBCS Debt Collection must provide you with a verifiable account statement including details such as the name of the original creditor and amount owed - this verification will help protect your rights under consumer laws. 

Should they be unable to do so, then by law their claim cannot stand and should no longer affect your credit report.

Dispute the Debt

When disputing with SBCS or any other debt collection agency, having evidence to support your claim is key. Be thorough in providing all necessary information when you file your dispute. Look out for these common errors on credit reports which could help give you the upper hand and increase the likelihood of a successful dispute:

  • Duplicate accounts

If the same account is listed multiple times on your credit report – to no fault of your own – it can negatively impact your credit score.

  • Identity theft

If the debt was caused by identity theft – include any evidence you have that supports your claim. Make sure to include any police reports or credit monitoring records.

  • Old debt

It’s common for debt collectors to try and recover debts that are past the point of being collectible. Check your state’s statute of limitations – if the debt is beyond it, dispute it and request that it be removed from your credit report.

  • Incorrect information 

Debt collectors sometimes report inaccurate information about your debt – anything from the amount owed to the last payment date. If you believe find any information that is incorrect – dispute it with SBCS Debt Collection. Provide them with any supporting documentation you have.

If you'd like to challenge a debt, it's important to reach out within 30 days of receiving notice from your creditor. Writing and sending a certified letter is the best way to ensure receipt – the letter should contain information about why you're disputing the debt as well as any supporting documents. It's also wise to keep copies in case further correspondence needs referencing later on down the road.

Disputing a debt doesn't necessarily mean it will be wiped from your credit report. In order to determine the accuracy of this dispute, SBCS Debt Collection will likely conduct an investigation of their own and could provide compelling evidence that you must pay off the reported amount. You can begin discussing payoff negotiations or seek professional help if you’re still unsure about the debt.

Negotiate a Payment Plan

When entering discussions with SBCS Debt Collection, take the time to understand your current financial situation and create a budget you can realistically stick to. During negotiations remember that their goal may be getting as much money out of you as possible - remain firm in setting up payment plans reasonable for you and the company.

To ensure that both parties have a mutual understanding of your payment plan, it is important to communicate with SBCS Debt Collection in writing and keep copies of any agreements. That way, if there are issues down the line you can refer back to what was previously agreed upon.

For those struggling with debt, SBCS Debt Collection may be open to reducing your settlement amount via negotiation. Get any agreements in writing and double-check them thoroughly before signing; this will help you avoid surprise fees or interest charges later on. Once the agreed upon payment is complete, this should mark an end to your debts!

Seek Professional Assistance

Dealing with debt collection agencies can be tough, but you should take comfort in knowing that your rights are protected. If SBCS Debt Collection or any other agency is violating these rights, the time to act is now! Don't go at it alone – our team of experts exists solely for this purpose and has the necessary resources available to help resolve all challenges associated with settling debts and removing them from credit reports.

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