Start My Answer

How to Beat Credit Bureau Systems

Dena Standley | February 24, 2023

Fighting off debt collectors can feel like ^^

Summary: Credit Bureau Systems is a debt collection agency that has been in business for many years. You can stop CBS debt collectors in their tracks by sending a Debt Validation Letter, forcing them to prove the debt is valid before they can continue collection efforts. If you’ve been sued for a debt, use SoloSuit to draft and file your Answer with the court and increase your chances of winning by 7x.

Every day, thousands of American consumers have to deal with debt collection calls. One such caller is Credit Bureau Systems, Inc.

Credit Bureau Systems (CBS) started out collecting for the healthcare industry. It eventually branched out to other sectors. But the goal is the same: to get consumers to pay on delinquent accounts.

Debt resulting from medical bills can be the most frustrating. And you may be tempted to ignore the debt collector's attempts to contact you. This article will establish who Credit Bureau Systems is, why it is unwise to ignore their calls, and how you can beat them.

First, who is Credit Bureau Systems?

Credit Bureau Systems is a nationwide debt collector with multiple offices. The headquarters are in Kentucky.

Below is Credit Bureau Systems’ contact information:

Address: 100 Fulton Court Paducah, KY 42001
Phone: 270-744-9000

Aside from debt collection, CBS offers several services, including background checks and tenant screening.

The company may contact you under the following alternative identities.

  • Medical Accounts Receivable Systems
  • Ambulance Medical Billing
  • Accounts Billing Service

With nearly eight decades in business,CBS is here to stay. The company started locally in 1952 and was incorporated in 1976.

The Better Business Bureau lists the company as an accredited collection agency since February 2011 and gives it an A+ score.

What do consumer reviews say about Credit Bureau Systems Inc?

The Better Business Bureau and Google reviews have given consumers a safe space to air their grievances with Credit Bureau Systems.

On Google, Credit Bureau Systems has an average of 2.6 stars out of five. It is even lower on the BBB, at 2 stars.

As of November 2022, Credit Bureau Systems has received 20 complaints in the last three years on its BBB profile. The Consumer Financial Protection Bureau has reported 164 complaints against Credit Bureau Systems over the last ten years. It’s clear from these complaints that consumers are not pleased with CBS’s collection methods.

Below is an example of a real complaint from a real customer:

"The problem I have is that this company knowingly sent a notice to my place of employment that was seen by 5 people in my office—this is considered public shaming. It was addressed to me but had my company address. So, legally they opened the letter and had to funnel through the channels until it got to me. This is unacceptable."

This is an example of Credit Bureau Systems violating the Fair Debt Collection Practices Act (FDCPA). The debt collection industry is heavily regulated. If you suspect a debt collector has violated your rights, you can check the FDCPA guidelines. You may be entitled to compensation if CBS violates the following laws:

  • Debt collectors cannot call you before 8 a.m. or after 9 p.m.
  • Debt collectors cannot use profanity, threats, or vulgar language to intimidate you into paying off a debt.
  • Debt collectors cannot threaten to cause harm to your friends or family, whether it’s physically, emotionally, or financially.
  • Debt collectors cannot contact you several times a day for the same debt.
  • Debt collectors cannot threaten to arrest you or confiscate your documents.

Ignoring Credit Bureau Systems is risky

It is understandable if you are frustrated by debt collection calls and letters. No one wants a constant reminder of their financial struggles.

Some seemingly knowledgeable parties may advise you to ignore debt collectors. But what they do not tell you are the risks. If you ignore debt collectors, the debt does not go away. Even worse, the debt collector can sue you, which complicates matters.

Additionally, responding to debt collectors is not as challenging as it may seem. SoloSuit has made it easy for you to send a Debt Validation Letter. The letter lets Credit Bureau Systems know that you dispute the debt and want an explanation of how they reached the stated amounts.

If Credit Bureau Systems got your debt from a chain of previous debt collectors, they might have lost some of your account details. They will have to stop pursuing you if they cannot compile the supporting documents to validate the debt.

Let’s take a look at an example.

Example: Credit Bureau Systems contact Rachel about an old debt, but she feels pretty confident that she already paid it off. She sends a Debt Validation Letter to CBS within 30 days of their initial call. The debt collectors realize their records were incorrect, and Rachel has already paid the debt in full. They cease all communications, and Rachel is off the hook!

You can also tell Credit Bureau Systems that you want all communication to be in writing. Written correspondence will give you peace of mind. You get to read and respond to letters and emails at the end of a work day instead of having unpredictable calls interrupting your day without notice. It is also more convenient to record such correspondence for future reference.

Watch this video to learn more about how a Debt Validation Letter can help you beat debt collectors like Credit Bureau Systems::

Create your Debt Validation Letter in minutes.

Win a lawsuit against Credit Bureau Systems

When you first receive a Summons and Complaint, you may panic. It is perfectly normal. But do not stay in panic mode for too long. You have a short window to file your Answer.

It’s important to respond to the lawsuit before your state’s deadline; otherwise, you risk losing the case automatically by a default judgment. If the court grants a default judgment, Credit Bureau Systems will have the right to garnish your wages and seize your property.

All you have to do is respond to the lawsuit with a written Answer to increase your chances of winning altogether.

The best way to Answer a Summons is to follow these three steps:

  1. Answer each claim.
  2. Assert your affirmative defenses.
  3. File the Answer in court and send a copy to the opposing lawyer.

Step 1: Answer each claim

The Summons document is your official notification that you’ve been sued. The Complaint document (also known as a Petition in some states) lists all the specific claims that CBS is making against you. Read each claim carefully before you respond. Then answer them individually, in corresponding order.

Choose one of the following answers to respond to each claim:

  • Deny: This is like saying, “Prove it.”.
  • Admit: This means you accept the allegations as true. For example, if CBS says you signed an agreement with them on a said date, under stated terms, and they are correct, you can agree. If you agree to all charges, then you are admitting guilt. The judge will have no choice but to issue a judgment.
  • Deny due to lack of knowledge: You may not fully understand a particular claim. Instead of agreeing or denying blindly, this option allows you to, in effect, say, "I don't know if I'm guilty of this or not."

Step 2: Assert your affirmative defenses

Why do you believe you are innocent? Is it because the statute of limitations has passed, and Credit Bureau Systems can no longer sue you? Or is it because they cannot prove how they came to own the debt?

Here is your chance to assert those defenses. Make Credit Bureau Systems prove that you are wrong. If you ignore the lawsuit, they may win in your absence just because you didn't defend yourself.

Here are some examples of affirmative defenses you can use in a debt collection case:

  • The statute of limitations for the debt in question has passed.
  • The debt information, including your name, is incorrect.
  • CBS has no legal standing to ask for the money because they haven't proved the creditor hired them to follow up on it.
  • CBS has not cited any law or statute violated.
  • CBS violated your consumer rights.

Notably, saying you do not have the money is not an affirmative defense that can stand in court.

It can be hard to know which defenses apply to your case, much less how to word them in a legal setting. With SoloSuit, you can respond to a simple series of questions about your case, and we will convert your responses into the right affirmative defenses with the proper legal wording and format.

Make the right affirmative defense the right way, with SoloSuit.

Step 3: File the Answer in court and send a copy to the opposing lawyer

A well-filled Answer will not serve any purpose if it does not reach the court within the deadline of 14-35 days (depending on where you live). Once you are done writing your defenses and have signed the document, print it out and make two copies. Mail a copy to the court or take it to the courthouse, and mail the other copy to CBS. Keep the last copy in your file for reference.

SoloSuit can file your Answer for you in all 50 states.

Check out this video to learn more about these three steps:

The Answer document should not intimidate you. Every day, consumers like you win against debt collectors with SoloSuit. You can, too. A few short answers to simple questions are what you need to generate your response.

Win your lawsuit in 15 minutes.

Now you are ready to beat Credit Bureau Systems.

Before the debt collector sues you, send a Debt Validation Letter. This letter may stop them in their tracks.

Always ask for written communication. It is a great way to keep records and stop those persistent calls.

If the company sues you, respond fast with SoloSuit's help. Or you can offer to settle the debt for less.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

Respond with SoloSuit

Get Started

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

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.

We have answers

Join our community of over 40,000 people.

You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now are are just look for support, we're here for you.

Get Started

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court

Not sued yet?

Use our Debt Validation Letter.

Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.

Let's Do It

It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.

"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather

Get Started