If you are behind on your payments, or if you are being accused of owing a debt that isn’t yours, there is help available. In 1978 Congress enacted the Fair Debt Collection Practices Act (FDCPA), which was designed to protect consumers and their loved ones from harassment and unscrupulous debt collection practices.
These laws have strict guidelines and indicate harsh penalties for those who violate the laws. If you think that CBE Group misrepresented themselves when collecting a debt, you may be able to successfully pursue an FDCPA claim against them so you can recover compensation for your damages.
About CBE Group
CBE Group is a third-party debt collector based in Cedar Falls, Iowa. The company, which was established in 1993, has about 1,300 employees and is known to collect all kinds of debts – medical, telecommunications, credit cards, loans, and others.
The company has even partnered with the IRS in the past to collect delinquent federal taxes and has a partnership with the U.S. Department of Education to collect past due student loan debt. The company was BBB accredited in 1992, and it has an A+ rating.
There were 249 complaints against CBE Group closed in the last 3 years and 62 complaints closed in the last 12 months.
What Counts As Misrepresentation?
When a debt collector such as CBE Group contacts a consumer, they are legally obligated to identify themselves. They must indicate who they are and that they are representing CBE Group.
They cannot misrepresent the amount of the debt, the statute of limitations they have to collect the debt, and the legal repercussions for failing to pay the debt. They cannot claim to be law enforcement, and they cannot pretend to be with a government entity, such as the IRS.
If you believe CBE Group has misrepresented themselves, you may be able to file a FDCPA claim against them.
Damages That You May Be Entitled To Receive
If you succeed with an FDCPA claim against CBE Group, you can receive $1,000 in statutory damages. You may be able to get actual damages, such as emotional and physical damages.
The physical damages must be easily proven, such as severe headaches, rashes or hives, and stress-induced cardiac problems. You may be able to recover garnished wages and lost pay. The court can also order CBE Group to cover all your legal fees associated with the claim against them.
End The Threats Today
If you believe that CBE Group misrepresented themselves during the collections process and you are successful with your claim, they could face harsh legal penalties. Consult with an FDCPA attorney who handles cases involving creditor harassment.
You do have rights, and you can stop the harassment. Complete the Free Case Evaluation Form to get connected with an FDCPA attorney who handles consumer law matters in your area so you can learn about pursuing an FDCPA claim against CBE Group.
*Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against CBE Group or any other third-party collection agency, you may not be entitled to compensation.