How to Settle Debt With CBCS Collections

George Simons | July 29, 2024

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: If you've been sued by CBCS, now known as Revco Solutions, you can increase your chances of winning in court by responding to the case with a written Answer. SoloSuit can help you draft and file an Answer in all 50 states.

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 ipersuade you to pay an alleged debt.

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Who Is CBCS Collections?

CBCS Collections is a debt collection agency that merged with Professional Recovery Consultants, Inc. in 2020, and subsequently changed its name to Revco Solutions. It is well-known in the collections world for using questionable methods to collect debts. The debt collection agency is based in North Carolina, with offices throughout the US, 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.

Learn more: How to Beat Revco Solutions

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 assertive plan of action by using the amazing resources we have at SoloSuit.

Our mission at SoloSuit 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 successfully resolve debt with these companies.

Respond to debt collectors in 15 minutes with SoloSuit.

Use these attorney tips to settle your debt

Wondering how to settle debt with collectors like CBCS Collections? Watch the follow interview with a consumer rights attorney for expert tips on how to settle debt and avoid going to court:

Contact CBCS debt collectors

Ready to reach out to negotiate debt settlement? You can contact CBCS debt collections, now known as Revco Solutions, at the following phone number and address:

  • Phone: 855-202-0113
  • Address: 2700 Meridian Parkway Suite 200, Durham, NC 27713

CBCS (now Revco) is not the same as CBCS Collections LLC

CBCS, now known as Revco Solutions, is not to be confused with another agency, CBCS Collections LLC. This distinction is vital for anyone who has previously dealt with CBCS Collections and might now encounter Revco Solutions. Understanding this change is essential in comprehending the current landscape of debt collection and how it might affect individuals who have previously had interactions with CBCS Collections.

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.

Defend yourself if you’ve been sued by CBCS Collections

If CBCS Collections sues you for debt collection, it's important to respond proactively to the lawsuit. 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.

The first step to responding to a debt lawsuit against CBCS is to check if it’s Revco Solutions or CBCS Collections LLC suing. Remember, Credit Bureau Collection Services, Inc. (CBCS) recently changed its name to Revco Solutions, so you must determine which company is actually suing you.

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.

These affirmative defenses 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.

Follow these steps if CBCS Collections sues

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

  • Check if it's Revco Solutions suing you vs CBCS Collections LLC
  • 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.

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>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

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