Receiving a letter or a phone call from a debt collection agency can cause considerable anxiety that negatively impacts your personal and professional lives. Until September 20, 1977, consumers did not have a legal recourse to fight back against unethical third party debt collectors.
Passed by the United States Congress, the Fair Debt Collection Practices Act (FDCPA) grants consumers several protections that include sending a letter that disputes the validity of an alleged credit card or personal loan debt.
Within 30 days of receiving the initial letter or phone call from CBE Group, Inc. you have the legal right to dispute an alleged debt. After receiving your dispute letter, a bill collector must stop contacting you until the company can provide evidence the debt exists.
You should retain a copy of the dispute letter sent to CBE Group, Inc. to have evidence the third party debt collector received the letter. Another way to way to prove CBE Group, Inc received a dispute letter is to send the letter by certified mail.
Work with a FDCPA Lawyer to Draft a Dispute Letter
As part of a larger consumer credit protection act, the FDCPA clearly gives consumers the right to dispute alleged outstanding credit card and personal loan debts. The ground breaking consumer protection law does not explain the information you should include in a dispute letter sent to CBE Group, Inc.
By speaking with a licensed FDCPA lawyer, you benefit from legal expertise that knows exactly what to include and exclude in a dispute letter. In addition, your lawyer will meet every filing deadline mandated by the FDCPA.
A dispute letter sent to CBE Group, Inc. represents just one of the many legal protections granted by the FDCPA. Your lawyer might discover evidence a third party debt collector made false statements about an alleged consumer debt, as well as made threats to file a lawsuit when the debt collection agency did not intend to file a lawsuit.
The FDCPA also prohibits debt collection agencies from issuing threats to friends and family members in attempts to collect delinquent debts.
![Sample Dispute Letter to CBE Group, Inc.*]()
Actual Dispute Letter Sent to CBE Group, Inc.
The wording of a dispute letter sent to a third party debt collector can vary, depending on the specifics of your debt collection case. Nonetheless, a dispute letter sent to any bill collector should include the same information.
- You name and contact information
- The name and contact information for the debt collection agency
- Request for the bill collector to communicate how much is the owed for an alleged debt
- Request for the name and contact information of the original creditor
- Request for evidence the debt exists
If CBE Group, Inc. cannot present proof the debt in question exists, the debt collection agency must stop contacting you. After a month passes, order your credit report from each of the three major credit reporting agencies to ensure the credit card or personal loan debt is no longer a blemish on your credit history.
Never assume a debt collection agency will take the steps required to remove negative credit report data.
A third party debt collector like CBE Group, Inc. wants consumers to be in the dark when it comes to knowing about the rights granted by the FDCPA. Speak with a consumer protection lawyer to draft a dispute letter that passes legal muster.
Additional Resources
*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 CBE Group Inc. or any other third-party collection agency, you may not be entitled to any compensation.