How to Beat CBCS Collections

George Simons

April 06, 2021

Let debt collectors know you're ready for them.

Summary: Being sued by CBCS Collections can really stress you out. Especially if you don't know what to do next. Learn how to respond to their lawsuit and win!

If you are being harassed by a debt collector affiliated with CBCS Collections, you may be stressed, anxious and unsure about the future. This is understandable since CBCS Collections, like many other debt collection agencies, use aggressive and unethical practices to try and coerce you into paying what they claim you owe. That's why CBCS Collections might call you all day long, at night, and try to get in touch with you on email and social media to intimidate you into paying an alleged debt.

Who Is CBCS Collections?

CBCS Collections is well-known in the financial world for using unethical and aggressive methods to collect debts. The debt collection agency is based in the United States and has been the subject of complaints by consumers for alleged violations of the Fair Debt Collection Practices Act.

For instance, some consumers say that debt collectors with this company have used aggressive communication techniques that violate federal laws. They have even attempted to collect debts that are not owed. If CBCS Collections has contacted you to collect a debt, you need to be apprised of your rights before you respond.

If you get threatening communications from CBCS Collections or have been served with a lawsuit, never give up hope! Rather than that, you should take an aggressive plan of action by using the amazing resources we have at Solo Suit.

Our mission at Solo Suit is simple: We assist people who have been harassed by unethical debt collectors. We also help people who are being sued by debt collectors. To help Americans, we have taken a lot of time to collect vital information that can help you understand the debt collection lawsuit process. When you have this important information available, you know what the game is and how you can safeguard your rights from sneaky debt collectors such as CBCS Collections.

Remember that you have rights and if you know the debt collection game, you often can beat these companies.

Respond to debt collectors in 15 minutes with SoloSuit.

The FDCPA Protects You From Debt Collectors Like CBCS Collections

CBCS Collections is well-known for trying to prey on consumers who don't understand the legal rights they have as stated in the Fair Debt Collection Practices Act. This law states several rules and guidelines that control how debt collectors can legally treat you. Sometimes debt collectors go over the line because they only receive payment when they collect debts. Some restrictions on these shady companies include:

  • Debt collectors can never contact you at work.
  • Debt collectors cannot use bad language and threats when they talk to you or send you letters.
  • Debt collectors are not allowed to threaten you with lawsuits.
  • Debt collectors cannot call you at home before 8 am or after 9 pm.

Don't let debt collectors threaten you. Respond with SoloSuit.

How to Defend Yourself If You're Sued by CBCS Collections

If CBCS Collections sues you for debt collection, it's important to respond aggressively to the action. Never ignore the lawsuit because it will not go away. You're just surrendering to the company and letting them win. You mustn't make this mistake.

Here are some things to try when you write your Answer to the lawsuit:

  • Never say that you are liable for the debt they claim. Why? Because this debt collection company must prove that you owe the debt they say you owe.
  • File the Answer with the Clerk of Court within the timeframe required, which is usually 20 or 30 days after you get the complaint.
  • Mail your Answer copy to the CBCS Collections representative, and make sure it's stamped by the Clerk of Court.

Affirmative Defenses That Can Work in Your Answer

When you answer the CBCS Collections lawsuit, you have a chance to point out any problems with the allegations. Remember that debt collectors must prove that you owe them the money they say you do. This means the company must show the following before you legally are required to pay the debt:

  • CBCS Collections has a legal right to sue you for an outstanding debt.
  • You are the person who owes the debt.
  • You owe what is listed by CBCS Collections in the complaint they filed with the court.

Depending on your financial situation, you could argue that the company did not file the suit within the statute of limitations for your state. The statute of limitations says the time that someone has to sue you.

If CBCS Collections sues you for a debt that is outside the statute of limitations, you could have the suit dismissed with prejudice.

Also, think about filing a countersuit against CBCS Collections if you think it violated the FDCPA. If you have clear proof that CBCS violated this law, you may be able to get compensatory damages and have your attorney fees paid.

Make the right defenses the right way with SoloSuit.

What to Do If CBCS Collections Sues You for a Debt

Here's a quick summary of actions to take if CBCS Collections files a lawsuit against you to recover debts:

  • Note all phone calls that happen before 8 am and after 9 pm. Also, write down if the company calls you at work or uses bad language and threats.
  • Be certain you file the Answer within the proper time frame.
  • In the Answer, it's critical to raise at least one affirmative defense, such as a violation of the statute of limitations. Also, demand evidence that CBCS Collections has that you owe them the money they allege in their communications. And, they must prove that you are the one who owes the debt.

The strategies and defenses described above may be effective in prevailing against CBCS Collections in court. Also, remember to file a counterclaim if you can prove they violated the FDCPA. They may owe you compensatory damages if they fail to follow the law.

Overall, remember that being sued by a debt collector isn't the end of the world. There are actions you can take to defend yourself in court and protect your rights.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

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