This number was on my OFFICE readout today.  There was no message. It's the first call from that # and it's distressing to get such a call at my workplace.  Because I don't want them calling here about ??, I'm leaning toward calling them back.  Good luck, huh??!

Called them got the name of the suppose company with the credit card. The card was
issued in May 2004 and last action was September 2004.
PA law states the SOL for credit cards is 4 years from the last active date .
Or September 2008)
I told them this law, they called me a lier ..
So reported them to PA Consumer Protection....
They are in for some education on the SOL
The cheap low lifes

Lamet is a long time poster to this blog providing accurate information regarding how to deal with zombie debt collectors. I would encourage anyone doubting his information to contact government organizations for additional information about how to to deal with renegade debt collectors and information regarding consumer rights under the FDCPA.

this is the debt collection laws they are breaking  - not an advertisement

But then you KNOW that - that's why you claim it was an advertisement - when it is actually LEGIT INFORMATION and a government website!

I been thinking about this call from yesterday.. I think they are a Scam artist...
They called me by my ' legal name including middle initial ...
I do not and have not used this name on anything for years.....and they say I owe on a
credit card...... I NEVER EVER IN MY LIFE APPLIED FOR ANY CREDIT CARD USING
THIS NAME I USE MY NAME THAT PEOPLE CALL ME BY  .....
LIKELY THEY ARE DIGGING UP NAMES AND USING FAKE ACCOUNTS IN ATTEMPT
TO TRY TO GET MONEY FROM PEOPLE

WATCH OUT

A***oles trying to collect a debt that is likely more than 7 years old
I told them the law, about status of limitation on debt collect in PA
is FOUR years.
She called me a liar.. I called her a a***ole....

getting wrong number calls!!!!!!!
THIS IS NOT ME!!!!!!!!!!!!!!!!!!!!!!!!!

Figures... some douche putting ads on this board...

What scum.  Send them a certified copy of the death certificate - sent registered mail - return receipt requested - then tell them to F*** OFF!

Some people....

Another idiot collector trying to use an old cell number to track down some slime bucket.  Only friends have my number.  Keep calling the number that is on the do not call list.  You get reported every time. Some day your stupidity will cost you.

Not sure who this is, but they just called here.  I let the answering machine get it, but they didn't leave a message.  What jerks!

Credit Bureau Collection Services (CBCS). cbcsnational.com

CBCS
PO BOX 1810
COLUMBUS, OHIO 43216

Also have 10 call centers around unknown places.

Collection agency trying to reach a name I've never heard of.  They called my office, so I think it's some random dialing.  The annoying part is that it isn't a person calling but a recording asking you to call back.  I could have ignored it but they have already called 3 times in 24 hours.

These people call at least 2 times a day. Usually they hang up when I answer. Today they left a message. They want me to call them back about a debt they are trying to collect on. They said any information given would be used for the purpose of collecting this debt. I have never heard of this company and all my debts are current.

Maria from CBCS attempting to collect a debt...Mom died  but they call me constantly

Credit Bureau Collection Services (CBCS). www.cbcsnational.com
See, also http://ezinearticles.com/?CBCS-Collection-Agency&id=1210049

CBCS
PO BOX 1810
COLUMBUS, OHIO 43216

Also have 10 call centers around unknown places.

Not for me for someone else

just tell them to go Fu*** themselves

This is CBCS oiut of Ohio. WATCH OUT.  They look at credit reports and use paid off bills to try to get you to pay again.  And even if you owe money, the creditor will never see it.  If they call you, answer and thern tell them OOPPS you have the wrong number, please take me off your call list and they do.  NEVER give them any info. Do the wrong number thing or they will call you forevrer111

Mark Martinez is the name of the guy they are calling. This has been going on for six years. It is obviously another dim witted di**o operation who's gotten hold of this old debtor ... I called the previous debt collector and after several encounters the a**wipes finally shut down. Now another company is starting again.

collection agencies keep calling my home phone for someone who lived here at one time. the person doesn't live here and has never had this phone number. i am sick of them calling here and we have told them not to call this number any more. please help us keep these agencies from calling here. they are wanting Eddy and Barbara Hoofnell.

DO NOT IGNORE DEBT COLLECTIONS - HANDLE IT CORRECTLY AND MAKE IT GO AWAY FOR GOOD..

Read dealing with Debt Collectors, Statute of limitations by state and recording calls.  

File complaints as indicated

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren?t; or
    indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
    they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn?t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen?s and Harbor Workers? Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009

The worst.  Zombie debt collectors hounding people for ancient debts, all past the statute of limitations.  Their paperwork and record-keeping are shoddy or non-existent.  Ignore them or block them.

They've just called me from that number looking to reach Rebeca Swan ? or similar name. Name I've never heard.

I called back and the rep.(keith) called the company CBCS Credit Bureau Collection Agency.

Another botton feeder collection agency calling for someone else with the same last name as mine. Called 4 times in one day to my home and once to my cellphone.  He was actually polite (scared the hell out of me) and said he would remove my numbers. - I'll if that's the truth.