Start My Answer

How to beat CBV Collections

Dena Standley | October 19, 2022

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

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.

They say nothing goes with PB quite like some Justice (or is it Jelly?).

Summary: Is CBV Collections suing you for a debt? SoloSuit can help you take a stand and win in court.

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

If you have landed on this page, the chances are high that you have experienced harassment by CBV Collections. Unfortunately, you are not alone.CBV Collections has a history of rudeness, abusive practices, and ignoring consumer complaints. Read on to learn more about the company and how you can win against them. CBV Collections is a debt collection agency located in Canada with several offices. Their listed phone number is 1-888-311-1121 and is their email address.

CBV Collections has bad reviews

According to the Better Business Bureau (BBB), CBV Collections is given a B- rating for failing to respond to complaints against the business. CBV Collections has a cumulative rating of 2.8 stars on Google. The collection agency also has more than 200 complaints listed on its BBB profile, most of which mention incessant phone calls, voicemail messages, and robocalls from CBV Collections.

CBV and the Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act (FDCPA) establishes clear guidelines of what debt collectors can and cannot do while attempting to collect a debt. Knowing your rights under the FDCPA is crucial to beating CBV Collections and stopping any harrassment that violates the law.

The FDCPA recognizes that abusive practices by debt collectors like CBV Collections can lead to bankruptcy, family instability, and invasions of privacy for individuals. To limit abusive and deceptive practices, the FDCPA establishes that collection communications with a consumer must be limited to:

  • 8:00 AM to 9:00 PM local time for the consumer
  • Cease attempts to communicate directly with the consumer if an attorney represents the consumer
  • Once the collection agency is informed that an employer prohibits a consumer from receiving such communication, they must refrain from contacting you at your place of work

CBV Collections must also refrain from communicating with third parties about any potential debt you might owe, except in a few specialized circumstances. The company may only communicate with you, your attorney, the creditor's attorney, or a consumer reporting agency.

What to do if CBV Collections is violating the FDCPA

You have numerous potential remedies if you are being harassed by CBV Collections. If you can prove the collection agency has violated the FDCPA, you can file a lawsuit in state court. Though this option can be time-consuming, it may be worth it if unfair debt practices have caused you significant harm. It is crucial to remember that the statute of limitations for such suits is only one year from the date the violation occurs.

Small claims court may be a better alternative if you want to avoid the expense and time of suing in state court. Small claims court will not require an attorney, and you can argue your case directly before a judge. Small claims courts will limit the amount of damages you can recover, so check on the limits in your area before proceeding.

The Federal Trade Commission (FTC) oversees the actions of debt collectors and ensures that companies like CBV Collections adhere to the terms of the FDCPA. You can file a complaint online using the Complaint Assistant for the FTC.

The BBB also allows consumers to file complaints against collection agencies. You can file the complaint here and use BBB's scam tracker to monitor the behavior of unscrupulous collection agencies.

Immediate steps to take if contacted by CBV Collections

Consumers need to be aware of their rights when it comes to dealing with creditors. It is crucial that you take the offensive from the very first contact with a collection agency. Do not provide them with any information during the first phone call. Instead, treat the first contact as a fact-finding mission.

  • Ask them for:
  • The name and location of the company
  • The name of the person you are speaking with
  • Send a Debt Validation Letter
  • The mailing address for the company
  • The name of the original creditor
  • The web address for their website

Should any debt collector refuse to provide any of the above information, it should set off immediate red flags. Terminate the call and refuse further contact until you can determine the validity of the debt.

Respond to a debt lawsuit against CBV Collections

When CBV Collections successfully validates a debt, they might file a lawsuit against you to collect the debt. If you're being sued by CBV Collections, you don't need to panic. Here are three simple steps to take to respond to a Summons and Complaint for debt and win in court:

  1. Answer each claim listed in the Complaint
  2. Assert your affirmative defenses
  3. File the Answer with the court, and send a copy to the plaintiff

Following these three steps has helped countless consumers fight back against big debt collectors like CBV Collections. In fact, many collectors would rather dismiss the case entirely than deal with the expenses and inconveniences of going to trial. Let's break down each step a little further.

Don't like reading? Check out this video:

Answer each claim listed in the Complaint from CBV Collections

The Complaint (in some states referred to as the Petition) lists the specific allegations or claims that CBV Collections is making against you. You should prepare a written Answer responding to each claim from the Complaint. These are the possible responses you can give:

  • Admit - like saying, “This is true.”
  • Deny - like saying, “Prove it.”
  • Deny due to lack of knowledge - like saying, “I don't know.”

You should choose one of these responses and add it to your Answer in a numbered list that corresponds with the Complaint's list.

Most attorneys recommend that you deny as many allegations as possible. This requires more work for CBV, as they have to prove anything you deny with legal documentation.

You can draft an Answer with SoloSuit in 15 minutes or less.

Assert your affirmative defenses against CBV Collections

Be sure to include a section in your Answer for affirmative defenses. An affirmative defense is any reason that CBV doesn't have a case. If you don't assert your affirmative defenses in your initial Answer, you won't have the opportunity to do so in the future.

Here are some common affirmative defenses we see:

  • The account with the debt is not your account
  • The contract was already canceled. Therefore you don't owe the creditor anything.
  • The statute of limitations has expired. A statute of limitations is a law that sets a deadline on an action, and the deadline is different in every state.
  • The debt has been paid or excused.
  • The debt has been partially paid.
  • You were a co-signer but were not informed of your rights as a co-signer.

That's right: if you don't bring up your affirmative defenses now, you are legally prohibited from bringing them up later. Many online forms don't help you assert your affirmative defenses, but SoloSuit does. This will help you strengthen your case and increase the chances of you winning.

Solosuit helps you make the right defense the right way.

File the Answer with the court, and send a copy to CBV Collections

Once you've finished preparing your Answer, make sure to file it with the court within the deadline. Each court has a set deadline that could be anywhere from 14-35 days, depending on which state you're in. Make sure to file before the deadline, or you may risk a default judgment being entered against you.

After you've filed the original copy with the court, send a copy of your Answer to the plaintiff's attorney (in the case, the attorney for CBV Collections) via USPS certified mail. Request a return receipt so you have proof of delivery.

Use violations of the FDCPA as leverage in settlement negotiations

Collection agencies know that FDCPA lawsuits can be expensive to defend and may result in a settlement that costs them significant money. Debtors can use violations made by a collection agency as leverage to settle a debt.

Document each interaction with CBV Collections, including keeping records of phone calls, letters you have received, and any testimony from third parties who were contacted. The more leverage you have, the stronger your negotiating position when settling the debt.

Negotiate a settlement plan with CBV Collections

If CBV Collection hasn't violated any laws laid out in the FDCPA, you can still reach out to negotiate a settlement at any time of the lawsuit process. However, it's best to make a settlement plan after you've filed your Answer in court because collection agencies like CBV are known to reach an agreement and then go back on their word in court and request a default judgment when they know you never filed an Answer. For this reason, you should file your Answer before you start the negotiation process.

When you're ready to begin the negotiation process, start by sending a Debt Lawsuit Settlement Letter to CBV Collections. Here are some tips and tricks for negotiating a debt settlement:

Tips and tricks for negotiating a debt settlement

SoloSuit's Debt Lawsuit Settlement Letter can help you reach a settlement that works for you.

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

Get Started

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 or are just looking for support, we're here for you.

Ask a Question

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

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah; File a Motion to Satisfy Judgment
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

    Guides on how to beat every debt collector

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

    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