Are you being called by CCB Credit Services, Inc.?* Here's what you need to know
When your financial obligations go into arrears, some of your creditors may hire a third-party collection agency to obtain the outstanding amounts. The collectors are not always civil when dealing with consumers, especially if you are unable to pay up during the initial demand. However, debt collectors must respect your rights when dealing with you, or risk penalties.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) restricts what third-party debt collectors can say or do while collecting or attempting to collect debt payments. Under the FDCPA, the following actions are illegal and therefore prohibited:
- Using obscene and profane language
- Threatening legal actions they cannot take or have no intention of taking
- Contacting someone who has formally requested that all communications cease
- Failing to identify themselves during each communication as a debt collector seeking to collect a debt
- Pretending to be police officers, government officials, or any other law enforcement figure
- Telling your friends, neighbors, and co-workers that you owe a debt
Company Profile: CCB Credit Services, Inc.
If you are being called by CCB Credit Services, Inc., information about the company is below.
CCB Credit Services, Inc. is a collection agency located in Springfield, Illinois. It was established in 1993, has 200 to 500 employees and is managed by its President, Ronald Krech. Records on file at the PACER (Public Access to Court Electronic Records) website indicate that many consumers who felt they were being harassed by CCB Credit Services, Inc. turned to the law to help them assert their rights.
Alleged Violations against CCB Credit Services, Inc.
According to PACER, beginning on or about June 2012, CCB Credit Services, Inc. started contacting a Michigan resident in an attempt to collect a debt. She later complained that agency representatives used a rude and condescending tone with her and commented that she “obviously does not pay her bills or else CCB Credit Services, Inc. would not be collecting the debt.”
When she informed the collectors that she was willing to pay in $100.00 increments, they allegedly called her “chinsey” and demanded her checking account information. When she asked for an address to send the checks, they allegedly refused to give it to her and said that the only way she could pay off the debt was to supply her checking account information.
She claimed that after this conversation, CCB Credit Services, Inc. would call her up to five times a day and leave messages stating that she was “at risk” and they needed her checking account information so they could “levy” the funds from her banking account every month.
Feeling harassed by CCB Credit Services, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using oppressive, harassing, and abusive means to collect a debt
- Harassing her by phone
- Using unfair and unconscionable means to collect a debt
- Failing to send her a debt validation letter
The matter was later dismissed.
Hire an Attorney
The phone numbers for this collection agency include:
If you see either of these numbers on your caller ID, be aware that you are being called by CCB Credit Services, Inc.. If they verbally abuse you when trying to collect a debt, hire a consumer attorney. If you file a claim against CCB Credit Services, Inc. and win, you could potentially be awarded $1,000 per FDCPA violation in addition to associated damages and costs. You have rights that zealous debt collectors ignore at their own risk.
*Case taken from PACER (www.pacer.gov). File number is Case 1:12-cv-00725-JTN from the United States District Court for the Western District of Michigan, Southern 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 CCB Credit Services, Inc., or any other third-party collection agency, you may not be entitled to any compensation.