Are You Being Called By Credit Bureau Services of Iowa, Inc.?*

Are you being called by Credit Bureau Services of Iowa, Inc.?* Here’s what you need to know

If you encounter financial difficulties that send your monthly bills into arrears, your creditors may eventually turn the accounts over to a third-party collection agency. These debt collectors are infamous for pursuing payments in harassing ways, such as swearing, calling day and night, and threatening lawsuits. If this does happen to you, don’t tolerate it. Call an attorney instead.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) was passed in 1978 by to provide guidelines for debt collector and protect consumers from abusive, unfair or deceptive practices like those listed below:

• Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
• Threatening to call your payroll department and tell them you owe a debt
• Threatening legal actions that they have no intention of taking
• Using profane or obscene language
• Demanding high amounts inflated by service ‘fees’
• Refusing to provide proof that you owe a debt and they are authorized to collect it

Company Profile: Credit Bureau Services of Iowa, Inc.

If you are being called by Credit Bureau Services of Iowa, Inc., information about the company is below.

Credit Bureau Services of Iowa, Inc. is a debt collection company located in Oskaloosa, Iowa. It was established in 1982, has 14 employees, and is managed by its owner, Leonard Grimes.

According to its website, the company specializes in medical debt. An examination of records on file at the PACER (Public Access to Court Electronic Records) website confirms that consumers who felt they were being harassed by Credit Bureau Services of Iowa, Inc. hired consumer attorneys to protect their rights.

Alleged Violations against Credit Bureau Services of Iowa, Inc.*

According to PACER, in November 2014, Credit Bureau Services of Iowa, Inc. sent a collection letter to an Iowa woman regarding a medical debt that was included in an earlier bankruptcy filing. Although the agency would have received notification of her bankruptcy filing, the collection efforts continued.

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

• Using unfair and unconscionable means to collect a debt
• Using false, deceptive and misleading means to collect a debt
• Contacting her directly although she was represented by an attorney

The matter was later dismissed.

Hire an Attorney

The phone numbers for this debt collection law office are:

• 1-800-383-0234
• 1-641-673-3403

If you see either one on your caller ID, it means that you are being called by Credit Bureau Services of Iowa, Inc. If they chase you for a debt that violates the bankruptcy law’s automatic stay, hire a consumer attorney immediately. If you file a claim against Credit Bureau Services of Iowa, Inc., you could be awarded $1,000 per FDCPA violation as well as damages and court costs. When collection agencies cross the line, pushing them back can pay off.

*Case taken from PACER (www.pacer.gov). File number is Case 4:14-cv-00451-JEG-HCA from the United States District Court for the Southern District of Iowa, Central 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 Credit Bureau Services of Iowa, Inc., or any other third-party collection agency, you may not be entitled to any compensation.