CBCS Collection Agency They are demanding payments through my checking account monthly for $186.77 for a bill , and will not release any type of information about this bill. Columbus Ohio

Fair debt collection laws are important to consumers because when debt
collectors obey the law there is less emotional urgency when dealing with
the debt they are collecting. When a debt collector calls or writes, a
consumer should immediately do the following:


Stay calm.

Do not argue with the debt collector or try to explain why you cannot
pay the debt. It is none of their business.

Do not use foul or indecent language even if the debt collector is using
inappropriate language.

Ask for the name of the person calling, what company they are calling
from, his or her address, telephone number and fax number. WRITE IT
DOWN. Include the date and time the call was made.

Inform the debt collector that you want no further contacts until a debt
validation/verification letter is received.

Politely say goodbye and hang up.

Immediately write a letter to the debt collector stating that you:

Dispute the debt.

Demand that any previous reports to the credit reporting agencies be
notified that you dispute the debt.

Do not want further contact until the debt has been validated and
verified.

Demand that no third party be contacted.

Demand that you not be contacted at work.

Demand to know who was the original creditor and each succeeding
creditor.

In sending the letter, always use Certified/Return Receipt Requested
mail. It is worth the $4.35.


Keep an accurate log of every contact and letter including the name,
address, phone number, fax number, and verbatim record who said
what.


THEY are not gonna stop calling you because YOU SAID DONT TALK TO THEM.... The debt is not going to go away, you need to verify that it is EVEN you that owes it.. It happened to me so many times, i will try to collect on the debt and when i verify the last 4 of the person ON THE PHONE, come to find out it is NOT THEIR DEBT b/c socials dont match.....

And Howard, you had to set up a pay by phone or something with CBCS, or post dated checks for a few months - because we CANNOT charge your account without your consent (or previous consent -like monthly post dated payments) EVEN if we ALREADY have that INFO...

Than you

Howard,

I feel that you brought your problems on yourself, as they could not have gotten your checking account information unless you gave it to them either by making a payment to them or giving it to them over the phone.

NEVER speak to any third party debt collector on the phone!
STAY OFF THE PHONE!!
This is RULE #1!!

They have no right to demand anything from you.

However, if you made a payment or an agreement to pay, you legally affirmed this debt as valid.

Big mistake.

Close that checking account immediately and open a new one at a DIFFERENT BANK. This is very important.