RESURGENT CAPITAL SERVICES - CBCS Scam File a BBB report. I have a question. Columbus Ohio

Its collections, not customer service and if you delt with people who scream in your ear because they know they owe the debt, you probably wouldnt be a CUSTOMER SERVICE REP>..
LOL

But anyways reporting to BBB doesnt scare a collection agency, and its not the collection agencies fault, REPORT THE ORIGINAL CREDITOR that screwed you over!!!

I hated CBCS but i am not going to talk bad about it because it is a legitimate company who collects on ALLtell, BEllsouth, Columbia GAs, Couple of ELectric Company in the Southern USA, Verizon and Time Warner... Its a 4story building and the 4th floor handles MEDical Bills, so you figure out if its a scam or a rip off!!!

Contact your state's Attorney General's office and the AG's where the businesses are located. Enough complaints tend to get action. Good luck.

I work for this company and CBCS is NOT the same company as Resurgent capital. Resurgent is a subsidiary of Sherman Financial LLC. We have no connection to CBCS at all so i am not sure where you are getting your info but I would double check that. IF we do own an old debt of your boyfriends then we may contact him by any legal mean to collect on this debt no matter if its 12 years old or 25 years old. Chances are we do have his SSN on file since the company we bought the debt from had his SSN and with the purchase of this debt they also give us all related info. If you are receiving more than one letter saying more than one company owns this debt I would check into that. It is possible that during the purchase of this debt the selling company had sent out letters saying the debt was owed and then once we get the info we do the same. If you have a REAL despute with this debt then tell us. We do have ways of checking into and sending you original copies of the debt if you write the corporate office. This is something we have to do by LAW is provide any and all info we have on the debt to the person who owes the money. Call them at (888) 665-0374 and request the address to write to to request all info on the debt. Hope this helps.

""However, collecting on an account 12 years past due is illegal in any state""

Incorrect. There are jurisdictions in the US where the SOL is up to 15 years. Further, the TYPE of debt is a KEY POINT in determining the SOL.

The most reliable method of determining the SOL for a consumer debt is for the consumer to contact the Office of the AG for their state and pose the question for the specific debt that is germane. Other state agencies(banking commission and so forth) may offer more specific guidance.

In general, the 7 year issue on your credit report is from the date of last activity. Doing things like making a payment, etc. can sometimes cause the date to move up because of it.

However, collecting on an account 12 years past due is illegal in any state. Check your state's statute of limitations and see what it is. Send the collection agency a cease communications letter, (sample given below), and let them also know they have violated the law. After you send the cease communications letter via certified mail, send a formal complaint to the Federal Trade Commission, your state Attorney General's Office and the American Collector's Association.

Good luck! Fight the fight!

(Collection Agency)
(Their address)


RE: (Their account number and original creditor if you know it)


Dear Collection Agency,


This will serve as your legal notice under federal law of the Fair Debt Collection Practices Act of Congress (FDCPA), to cease ALL communication with me in reference to the above account.

If you don't follow this notice, I will be forced to file a formal complaint against you with the United States government agency, the Federal Trade Commission, who is responsible for enforcement, the state Attorny General's Office and the American Collector's Association who monitors collection agencies for non-compliance with this federal law. I have decided that I don't desire to work with a collection agency under ANY circumstances. I will contact the alleged original creditor of this alleged debt to resolve this matter directly.

You are also notified that if any adverse items are placed against my credit reports as a result of this notice that I will be forced to take appropriate action against your agency, your client and any person employed by either who violates this federal law, with civil and/or criminal charges.

Give this matter the attention it deserves as the consequences could be severe.


Very truly yours,


(Sign your name)

(Type your name)

...sending something to the BBB is a useless waste of time. If you think that's why the account was closed, you're only fooling yourself.

A debt sent to CBCS for collection can only stay on your bf's credit file for 7 years from the date of delinquency. If it's 12 years old they probably tried to collect it from your bf. When he refused they probably purged it from their system since the likelihood of successfully collecting it is slim to none (ie-waste of their time).

Since you all disputed it what most likely happened it was cancelled from CBCS's office sent back to the creditor (Resurgent Capital) and will probably be resent to another collection agency. If you sent no proof of payment then you're out of luck or info about fraud.

Resurgent Capital is a debt buyer (buys old accounts from companies), CBCS is a collection agency. Resurgent Capital's office is located in Greenville, SC, and CBCS' is located in Columbus, Ohio...so it's NOT possible to be the same company especially since Resurgent Capital DOES NOT collect its own debts (that it purchased) and sends them to collection agency...therefore that part of your commentary was false.

PD