CBCS COLLECTIONS Illegal Collection Tactics, False Identities, Personal Questions ripoff Pittsburgh Pennsylvania

Lori,

Amy is confusing state laws with the FDCPA which is federal law. The FDCPA does not have any specific limit on number of contacts per day or per week.

And, in most states that do have limits, a contact is when communication is made with the debtor, not an unanswered call attempt.

The calls are very easy to stop. You need to send them a written request to CEASE COMMUNICATIONS as per your rights under the FDCPA. Specify the phone numbers that they are calling that are included in your request. Send this letter by certified mail, return reciept requested. Be sure to put the certified# on the letter itself, and keep a copy for your records. This procedure is very important.

Now, after you get that little green card back, any calls recieved are in direct violation of the FDCPA and then you sue them as provided for under the law for up to $1000 plus costs.

Have fun!

Lori,

Amy is confusing state laws with the FDCPA which is federal law. The FDCPA does not have any specific limit on number of contacts per day or per week.

And, in most states that do have limits, a contact is when communication is made with the debtor, not an unanswered call attempt.

The calls are very easy to stop. You need to send them a written request to CEASE COMMUNICATIONS as per your rights under the FDCPA. Specify the phone numbers that they are calling that are included in your request. Send this letter by certified mail, return reciept requested. Be sure to put the certified# on the letter itself, and keep a copy for your records. This procedure is very important.

Now, after you get that little green card back, any calls recieved are in direct violation of the FDCPA and then you sue them as provided for under the law for up to $1000 plus costs.

Have fun!

Lori,

Amy is confusing state laws with the FDCPA which is federal law. The FDCPA does not have any specific limit on number of contacts per day or per week.

And, in most states that do have limits, a contact is when communication is made with the debtor, not an unanswered call attempt.

The calls are very easy to stop. You need to send them a written request to CEASE COMMUNICATIONS as per your rights under the FDCPA. Specify the phone numbers that they are calling that are included in your request. Send this letter by certified mail, return reciept requested. Be sure to put the certified# on the letter itself, and keep a copy for your records. This procedure is very important.

Now, after you get that little green card back, any calls recieved are in direct violation of the FDCPA and then you sue them as provided for under the law for up to $1000 plus costs.

Have fun!

Lori,

Amy is confusing state laws with the FDCPA which is federal law. The FDCPA does not have any specific limit on number of contacts per day or per week.

And, in most states that do have limits, a contact is when communication is made with the debtor, not an unanswered call attempt.

The calls are very easy to stop. You need to send them a written request to CEASE COMMUNICATIONS as per your rights under the FDCPA. Specify the phone numbers that they are calling that are included in your request. Send this letter by certified mail, return reciept requested. Be sure to put the certified# on the letter itself, and keep a copy for your records. This procedure is very important.

Now, after you get that little green card back, any calls recieved are in direct violation of the FDCPA and then you sue them as provided for under the law for up to $1000 plus costs.

Have fun!

Where in the FDCPA does it say that they can only have contact three times per week? I have been receiving up to 5 calls in an hour for a debt/person that I've already told them DOESN'T EVEN LIVE HERE!!! They WON'T go away, and I'm soooooo tired of listening to that phone ring. Worse than that, they call BOTH of my phone numbers (we have a teen line and an adult line) and the 5 calls in an hour is PER PHONE, not just one or the other.

In fairness, it's not the agency listed in this report, but it's annoying just the same.

Thanks to anyone that can steer me in the right direction (hmmmm, if this keeps up much longer, I'm gonna have to get me a foghorn or something to let loose everytime they call!! That can't be any more annoying than what they're doing to me!)

Mr. Reed did, in fact, violate the FDCPA and the company can be sued by anyone that was a victim of his illegal practices. One thing I saw was that Mr. Reed left information regarding a debt on a debtor's answering machine. This is against the law! Information should only be shared with the debtor or their spouse (in most states). Information on an answering machine can be heard by anyone! A debt collector CANNOT leave information that states in any way that they are trying to collect a debt. Second, Mr. Reed seems to be calling daily, and the FDCPA allows only three contacts or letters per week. A message on an answering machine is considered one contact. Third, Mr. Reed has been harassing debtors. This is also illegal. So just there, Mr. Reed has violated three consumer rights of the FDCPA.

If you advised Mr.Reed that you are the current wife, and he is looking for your husband, he did not violate the FDCPA. As Pennsylvania is not one of the 3 states (Alabama, Iowa, and Massachusetts) that requires permission of the spouse, he followed the law.

If you advised Mr.Reed that you are the current wife, and he is looking for your husband, he did not violate the FDCPA. As Pennsylvania is not one of the 3 states (Alabama, Iowa, and Massachusetts) that requires permission of the spouse, he followed the law.

If you advised Mr.Reed that you are the current wife, and he is looking for your husband, he did not violate the FDCPA. As Pennsylvania is not one of the 3 states (Alabama, Iowa, and Massachusetts) that requires permission of the spouse, he followed the law.

File a separate FTC complaint for each violation as enforcement is done after so many complaints.

This is why you never speak to any debt collector on the phone! NEVER!!!

A message was left on my answering machine yesterday stating it was CBCS trying to collected a debt and someone needed to call this number. They did not state who the debt was regarding so I called. Mr. Reed answered the phone and I told him I was calling because a message was left on my answering machine. He asked for my home phone number and stated the debt was for my husband and he's trying to collect on a Duquesne Light bill from 1999 (I wasn't even with my husband at that time).

Well, when I mentioned the bill was 7 years old and there is a statue of limitation on trying to collect a debt that old, boy did Mr. Reed rip into me. He stated the statue of limitations do no apply to utility bills. By the way, Mr. Reed is wrong because the statue of limitations in Pennsylvania is 4 years. I told him he can't collect on a debt that old and my husband never even received a letter from any collection agency regarding this bill. This debt isn't even on my husband's credit report. So Mr. Reed continued to yell louder and louder at me and I told him I would be contacting my attorney and slammed the phone down on him while he was still yelling.

CBCS and their employees will be getting a letter regarding the statue of limitations and their "fraud" practices. This so called debt hasn't even been validated or verified by CBCS. If they continue to call after the letter is received, I will be contacting my attorney and the State Attorney General's office because they are not adhering to the Fair Debt Collection Practices. Plus Mr. Reed, was not allowed to give out any information pertaining to my husband's account because this account does not have my name on it. Mr. Reed rattled off the amount owed, who it was owed to, the address where the service was and the last 4 digits of my husband's social security number. Right there, Mr. Reed violated the Fair Debt Collection Practices.