Who is CBC LLC?
CBC LLC, also known as CBC Collections, LLC, is a third-party collection agency based in Blountville, Tennessee. They specialize in collecting unpaid debts on behalf of other businesses or entities.
If you’ve been contacted by CBC LLC or see them appear on your credit report, it typically signifies a debt that you’ve been unable to pay. This could be a medical bill, utility bill, or other type of unpaid expense.
Who does CBC LLC collect for?
CBC LLC provides debt collection and account servicing for healthcare systems. This means they primarily deal with medical debts, which can range from unpaid hospital bills to delinquent accounts related to other healthcare services.
Is CBC LLC legit or a scam?
CBC LLC is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s essential to verify any claims they make about debts you supposedly owe.
How can I remove CBC Collections from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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CBC LLC Contact Information
Address:
CBC, LLC
2016 TN-75 Ste 6
Blountville, TN 37617
Phone number: (423) 354-0035 or (800) 580-0035
Should I contact or pay CBC LLC?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with CBC LLC is to work with a credit repair professional. They help remove millions of negative items every year from companies like CBC LLC on behalf of their clients.
Will CBC LLC sue me or garnish my wages?
CBC LLC does have the legal right to sue you in court if you fail to repay a debt. If they win a judgment against you, depending on your state’s laws, they may be able to garnish your wages, levy your bank accounts, or put a lien on your property until the debt is paid. However, these are usually last resort measures and many collection agencies prefer to avoid legal action if possible due to the costs and time involved.
CBC LLC Complaints
Most debt collection agencies like CBC Collections have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a deb.t. If a debt collector is harassing you, you may want to consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with CBC LLC
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for CBC LLC to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- CBC LLC cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- CBC LLC must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- CBC LLC cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove CBC LLC From Your Credit Report Today!
Credit Saint offers assistance with disputing CBC collections. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
