Share post
Debt Consolidation Forums Collection agencies and creditors forums

CBE Group collection agency - How do consumers perceive this company?

member profile picture

So I get daily calls every half hour or so from the following number:

(515) 453-2972

It comes up on the caller ID as "IOWA CALL"

So I get numerous recorded messages on my machine to call back "Timothy" at:

800-665-5315

When I googled that number, it came up with YMCA. LoL

I live nowhere near Iowa, and I'm positive it's a CA calling, but I don't know which one, and I'll be darned if I'm going to talk to them on the phone. If I can figure out who it is, I will send them a DV letter.

Thanks!

Jenna




Dear SoapLady,

Since you were/are an attorney you should be able to spell correctly as well as use proper grammar. An individual's professional education should be reflected in their writing skills. I see this problem throughout your posts. Please make a more concerted effort to compose your answers in a grammatically correct manner. Thanks.

Sub: #101 posted on Wed, 01/04/2012 - 08:24

jonk73 jonk73

(Posts: 3 | Credits: )

Quote:
Dear SoapLady,

Since you were/are an attorney you should be able to spell correctly as well as use proper grammar. An individual's professional education should be reflected in their writing skills. I see this problem throughout your posts. Please make a more concerted effort to compose your answers in a grammatically correct manner. Thanks.


This is a volunteer board....and I have never been able spell...thank god for spell check! Do you have something to contribute or are you just here to spam the forum????

Sub: #102 posted on Wed, 01/04/2012 - 09:00

SOAPLADY SOAPLADY
Moderators Cum Industry Expert
(Posts: 17272 | Credits: )

Regardless of whether or not you actually owe the debt you can stop collection agencies from calling you on the telephone. By law, if you inform CBE or any other collection agency stop calling you on the telephone they must do so. However, they may still contact you in writing. This is always better so that you have a paper trail of all correspondence. advertising link removed.

However, if you do owe the debt then make arrangements for payment. Don't just ignore it.

4. Assert your right to privacy . If your first contact with a collector is by telephone, tell the caller that you want all future contact in writing rather than by phone. You can also instruct the collector not to call you at work or at all if that is your choice. Make notes of your first conversation and start to keep a file. See Item 5 of this section. It is important to follow up on such requests in writing right away. Your letter should include requests about contact or other matters discussed in your first telephone contact. Note: If you notify the collector not to contact you at all, it is entitled to contact you one more time to explain how it intends to proceed.

Also you should tell and write the collector that you are the only person to be contacted. Since the agency is well aware of your location, there is no need to contact your employer, neighbors, relatives, or friends to find out where you are. If you are an employer, friend, neighbor, or family member who is being contacted by a collector, you can write the collector and tell it to stop contacting you.

Sub: #103 posted on Wed, 01/04/2012 - 09:12

jonk73 jonk73

(Posts: 3 | Credits: )

Sorry. I did not intend to personally offend you. Please accept my apology.

Sub: #104 posted on Wed, 01/04/2012 - 09:17

jonk73 jonk73

(Posts: 3 | Credits: )

Are we correcting grammar now?
[quote]
Dear SoapLady,
Since you were/are an attorney you should be able to spell correctly as well as use proper grammar. An individual's professional education should be reflected in their (it's his or her, not their) writing skills. I see this problem throughout your posts. Please make a more concerted effort to compose your answers in a grammatically correct manner. Thanks. [/quote]

Sub: #105 posted on Wed, 01/04/2012 - 09:41

OhioGal1 OhioGal1
Moderators Cum Industry Expert
(Posts: 5253 | Credits: )

Jonks...third party advertising is not permitted on this board.
Plus you are giving out incomplete and not totally accurate information.
I read thru the site you posted and quite frankly, their collection letters are a joke...they make requests and demands that no CA is going to respond to. Letters such as these will simply result in the consumer being sued quicker. Maybe you should read the FDCPA...consumer privacy is well served by this act.


[QUOTE]4. Assert your right to privacy . If your first contact with a collector is by telephone, tell the caller that you want all future contact in writing rather than by phone. You can also instruct the collector not to call you at work or at all if that is your choice[/QUOTE].

You do not tell a collector no to call you....verbal requests are invalid unless they are calling you at work. Per the FDCPA cease and desist requests must be done IN WRITING. Secondly, there is no such thing in the FDCPA that requires a collector to contact you only in writing...there is no such thing as a partial cease and desist....it is all or nothing. Some agencies will comply voluntarily but most will not.

Sub: #106 posted on Wed, 01/04/2012 - 09:49

SOAPLADY SOAPLADY
Moderators Cum Industry Expert
(Posts: 17272 | Credits: )

Quote:
Regardless of whether or not you actually owe the debt you can stop collection agencies from calling you on the telephone. By law, if you inform CBE or any other collection agency stop calling you on the telephone they must do so. However, they may still contact you in writing. This is always better so that you have a paper trail of all correspondence.


False. The one and only way to make phone calls stop is to send a cease and desist in writing. There is no partial cease and desist provision within the law--in other words, if you send them a letter saying "do not call me, only communicate in writing", they are likely to stop all contact with you and move on to the next step, which could be a lawsuit. If you simply tell them over the phone to stop calling, then you have accomplished nothing because the law specifically says in writing.

[QUOTE]advertising link removed.[/QUOTE]

So let me get this straight....you come in here, criticizing one of our moderating staff because she does not use "proper grammar", and complain about how unprofessional it looks....but you failed within your very first three posts here to follow the terms of service you agreed to follow when you signed up? And to top it all off, you do not even know the laws you are trying to advise our members on? Don't respond--stop, take a breath, and let that irony sink in just a little. Seriously. How do you think it looks for the company you tried to advertise, when you cannot follow basic rules, and do not even know the subject matter yourself?
Quote:

However, if you do owe the debt then make arrangements for payment. Don't just ignore it.


Really? That's one third of what needs to be proven, chief. Many times, the issue our members have is not about if they owe the debt, but rather if they owe it to the people who are trying to collect, or even if they owe the amount that is claimed to be owed. You cannot show up with three posts and a blind, halfway-educated "if you owe it, pay it" sentence and get anywhere. With all due respect to you, please go get educated on this subject before trying to offer our members any more advice.
[QUOTE]
4. Assert your right to privacy . If your first contact with a collector is by telephone, tell the caller that you want all future contact in writing rather than by phone.[/QUOTE]

You can "assert" anything you like, but in the case of what you said there, do not hold your breath....because it will not happen.
Quote:

You can also instruct the collector not to call you at work or at all if that is your choice.


Not over the phone--the law specifically states this in section 805:

[QUOTE](c) CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except???
(1) to advise the consumer that the debt collector???s further efforts are being terminated;
(2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or
(3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.[/QUOTE]

Stop telling our members false information. We are here to HELP them, not to give them advice that will only leave them more frustrated!
Quote:

Also you should tell and write the collector that you are the only person to be contacted. Since the agency is well aware of your location, there is no need to contact your employer, neighbors, relatives, or friends to find out where you are. If you are an employer, friend, neighbor, or family member who is being contacted by a collector, you can write the collector and tell it to stop contacting you.


This is entirely unnecessary. The FDCPA already dictates the rules for ANY AND ALL third party contact. That is found in section 804 and 805. It states that a CA can only contact a third party one time, cannot disclose any information that would identify that they are trying to collect a debt, and can only call for the purpose of trying to locate the alleged debtor. Once they know how to contact the alleged debtor, they have no legal reason whatsoever to contact anyone else. Period, end of story. You do not need to tell them not to call other people--unless they are breaking the law and doing so after they found you. And, if they are breaking that law, they are less likely to follow your letter and stop now.

Wow, I sure am glad that you dropped by to tell us all how to be more "professional" here! Have a nice day!

p.s.--the preceding post was made with proper grammar and spelling, just for you.:cool:

Sub: #107 posted on Wed, 01/04/2012 - 11:38

skydivr7673 skydivr7673
Moderators Cum Industry Expert
(Posts: 2037 | Credits: )

I understand they are trying to do their job but when their calls show up on my caller ID 5 times a day and they call at 9:30 pm that is wrong in my opinion. Doesn't the law have a specific time frame they can call? They call my house before 9am and after 9pm. It's totally ridiculous.

Sub: #108 posted on Fri, 07/06/2012 - 18:38

Unregistered


Legal calling time is from 8am to 9pm. So if they are calling you at 930, that would be an FDCPA violation.

Sub: #109 posted on Sat, 07/07/2012 - 06:04

SOAPLADY SOAPLADY
Moderators Cum Industry Expert
(Posts: 17272 | Credits: )

It simply isn't true that CBE will stop calling if you tell them they have the wrong number. I have done that at least three times and I am still getting calls. They don't give their company name or comply with Fair Debt Collection Practices. I do not have any past due debts and I have not given permission for me to call me, but they robo dial my cell phone multiple times a day and it is now interfering with my ability to conduct business because they fill up my voice mail and clients can't reach me. While I don't hold the callers personally responsible, I do plan to get legal assistance. ;)

Sub: #110 posted on Thu, 09/27/2012 - 12:37

Unregistered


Attachment
More information
  • Files must be less than 500 MB.
  • Allowed file types: txt pdf jpg jpeg png.


Page loaded in 0.607 seconds.