All of the letters from CBE Group, Inc. stacked up in a pile on your home office desk do not worry you. However, the restless nights begin after the first time you receive a phone call from the third party debt collector.
The anxiety caused by a phone call from a debt collection agency such as CBE Group, Inc stems from not knowing how to answer the rapid fire questions. You might feel vulnerable dealing with CBE Group, Inc., but a federal law enacted by Congress to protect consumers will put you at ease.
The Fair Debt Collection Practice Act (FDCPA) includes several legal safeguards that ensure third party debt collectors do not force consumers into paying off outstanding credit accounts and personal loans.
Under the FDCPA, you have the legal right to challenge a third party debt collector that violates phone call protocols. However, your legal case against CBE Group, Inc. becomes stronger when you speak with a licensed consumer protection lawyer.
If a debt collection agency had its way, it would prefer you remained in the dark when it comes to knowing the rights granted to you by the FDCPA. By working with an experienced FDCPA lawyer, you gain legal ground on CBE Group, Inc., which employs highly trained debt collection professionals that read from carefully drafted phone scripts.
Your lawyer will counter with a script for you to read from that includes the questions you should answer and how to answer the questions. You can also expect to learn what information you should never share with a third party debt collector like CBE Group, Inc.
What to Say When Speaking with a Debt Collection Agency
An accomplished FDCPA lawyer should give you two important pieces of advice. First, you should tell a third party debt collector you plan to record a phone conversation. Second, you want to ask a representative from CBE Group, Inc. to demonstrate proof the delinquent debt in question exists.
Here is an example of the start of a phone conversation between you and a debt collection agency representative:
- Debt Collector: “Hello. This is Kate Williams from CBE Group, Inc. I am calling you in regards to the $845 debt you owe on a credit account you have with Best Buy. Do you plan to pay off the outstanding debt?”
- You: “Excuse me while I get my recorder to tape this conversation.”
After you turn on the tape recorder, ask the debt collection agency representative to repeat his or her name, as well as the name of the third party debt collector. Explain that under the FDCPA, you have the legal to request evidence the debt exists.
You also have the right granted under the FDCPA to ask CBE Group, Inc. to stop calling you. By sending a cease and desist letter through certified mail, you establish evidence of the letter in case you want to take CBE Group, Inc. to court for violating one or more provisions of the FDCPA.
When you have to deal with CBE Group, Inc. over the phone, you want legal counsel to ensure the debt collection agency follows state and federal laws. Speak with an accomplished FDCPA lawyer today to prevent a debt collection agency from taking advantage of you.
*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.