It happens all the time to consumers being pursued by debt collectors: threats of wage garnishments and lawsuits, daily phone calls, embarrassing disclosures to friends and family. Many people end up declaring bankruptcy to stop the harassment, unaware that the law protects them from such abuse.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, gives consumers the right to dispute a debt and tell a collector to stop contacting them. It also prohibits the use of methods like the following to collect a debt:
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Trying to collect amounts that exceed the original debt
- Telling your friends, neighbors and co-workers that you owe money and they are trying to collect it from you
- Using profane or obscene language
- Calling you at work if they know what such calls are not allowed
- Attempting to collect a debt that is in dispute
Company Profile: CBM Services, Inc.
If you are being called by CBM Services, Inc. information about the company is below.
CBM Services, Inc. is a collection agency located in Midland, Michigan. It was established in 1934, has 18 employees, and is managed by its President, Tom Matonican. Records retained at the PACER (Public Access to Court Electronic Records) website confirm that consumers who believed they were being harassed by CBM Services, Inc. stood up to the agency in court.
Alleged Violations against CBM Services, Inc.
According to PACER, in or around mid-2014 CBM Services, Inc. began contacting a Michigan resident about a medical debt that she claimed to have paid before it was transferred to the agency. Ms. Peiffer informed CBM Services, Inc. that the debt had already been paid to the original creditor, but the company allegedly still continued to attempt to collect it.
Worried about damage to her credit, she reluctantly paid some of the debt to stop the phone calls that she claimed were incessant. She called the original creditor and told them that CBM Services, Inc. was continuing to collect the debt that had already been paid. The medical provider allegedly told her that it could not contact the agency for some mysterious reason.
Feeling harassed by CBM Services,, 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
- Sending inaccurate information to the credit bureaus
The matter was later dismissed.
Hire an FDCPA Attorney
The phone numbers for this collection agency are:
If either number shows up on your caller ID when the phone rings, it means that you are being called by CBM Services, Inc.. If they try to force you to pay a debt you’ve already settled with the original creditor, hire a consumer attorney. Such collection tactics violate the FDCPA, and if you file a claim against CBM Services, Inc. and win, you could potentially receive $1,000 per violation as well as attorney's fees, court costs, and any actual damages. When your rights are disregarded, your attorney can try to help you make CBM Services, Inc. pay.
*Case taken from PACER (www.pacer.gov). File number is Case 1:14-cv-14087-TLL-PTM from the United States District Court for the Eastern District of Michigan.
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 CBM Services, Inc., or any other third-party collection agency, you may not be entitled to any compensation.