Is CBJ Credit Recovery, Inc Calling You? *

If you’re getting harassing phone calls from CBJ Credit Recovery, you need to know about your rights!

When financial problems hit, debts that were once easy to manage can become impossible. The Consumer Financial Protection Bureau once estimated that 30 million people across the country currently have debts in collections.

Fortunately, if you’re being chased by ruthless and aggressive debt collectors, there are ways you can protect yourself.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) makes it illegal for third-party debt collectors to harass you into paying a debt.

If you are being pursued by a collection agency that uses tactics like the following, you are within your rights to sue them:

• Swearing and calling you names
• Claiming that you have committed a crime and threatening to call the police on you if you don’t pay
• Failing or refusing to identify themselves as debt collectors in every communication
• Using profane and obscene language
• Demanding amounts not supported by law or the original creditor agreement
• Calling you at work after they’ve been advised that such calls are not allowed

Company Profile: CBJ Credit Recovery, Inc.

CBJ Credit Recovery, Inc., also known as Credit Bureau Of Jamestown, Inc., is a debt collection company located in Jamestown, New York. It was established in 1945, has approximately 13 employees, and is managed by its President, Matthew Hartweg.

According to the company website, it holds memberships in ACA International and Medical-Dental-Hospital Business Associates (MDHBA). A review of legal records retained by the PACER (Public Access to Court Electronic Records) website confirms that consumers who believed they were being harassed by CBJ Credit Recovery, Inc. refused to be pressured into payments they couldn’t afford.

Alleged Violations against CBJ Credit Recovery, Inc.

According to PACER, on or about early 2010 CBJ Credit Recovery, Inc. began attempting to collect a medical debt from a New York resident.

She later complained that collectors called her nonstop, discussed the debt with her roommate, and threatened to ruin her credit if she did not pay.

Feeling harassed by CBJ Credit Recovery, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:

• Using false, deceptive, and misleading means to collect a debt
• Discussing her debt with third parties
• Harassing her by phone

Hire an Attorney

The phone numbers for this debt collection agency are as follows:

• 1-716-664-4490
• 1-888-291-4490
• 1-866-639-7985

If you see any of them on your caller ID, it may mean that you are being called by CBJ Credit Recovery, Inc., likely about a debt that you are believed to owe. If the callers talk about your alleged debt to your friends and family and threaten consequences if you don’t pay, hire a consumer attorney who can help you in filing a claim against CBJ Credit Recovery, Inc.

Pressuring someone to pay a debt in this manner is illegal, and you could win $1,000 per FDCPA violation plus court costs and attorney fees. It’s an expensive reminder to all collection agencies that you have rights no matter what the size of your debt may be.

**Case taken from PACER (www.pacer.gov). File number is Case 1:10-cv-00264-WMS-HKS from the United States District Court for the Western District of New York, Buffalo Division.

*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against CBJ Credit Recovery, Inc. or any other third-party collection agency, you may not be entitled to any compensation.