CBM Services, Inc. (CBM) is a third-party collection agency based in Michigan. CBM has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including using false or misleading information in an effort to collect a debt and improper contact or sharing of information. If you have been contacted by CBM Services, make sure you understand your rights before taking action.
The harassing company pays our fees.
They’re legit. According to the BBB, CBM Services Inc is a legitimate collection agency founded in 1934 and incorporated in 1965. The BBB established CBM’s profile page in 1994. CBM is listed as a collection agency. Buzzfile estimates CBM’s annual revenue at $550,000 and the size of its headquarters staff at 9 employees.
According to its website, CBM Services mission “is to provide the most effective collection and billing services for the benefit of our clients at competitive rates,” with a vision of being “the preferred provider of quality collection and billing services, by providing client satisfaction through [a] professional experienced staff.”
CBM Services collection division offers a full range of third-party debt collection services, including standard and commercial collection procedures; second placement collections; contract management; early-out services; letter services; private pay billing and follow-up; legal referral and follow-up; estate verification; arbitration services; specialized reports; computerized file transfer; customer service; and internet payment options.
CBM Services collects debts for many industries, including retail, commercial, governmental, higher education, and medical clients. CBM has “specialized in medical collections since the company was first formed.”
CBM’s compliance includes “checks and balances to ensure that data received from them is accurate and safeguarded. CBM Services…also has a Business Associate Agreement available…to maintain Health Insurance Portability and Accountability Act (HIPAA) compliance.” CBM’s collectors “are provided with videotapes, audiotapes[,] and seminars on telephone collecting and the Fair Debt Collection Practices Act (FDCPA).” Their Consumer Resources page provides a link to the Ask Dr. Debt page on the ACA International website.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
The BBB has closed 2 complaints against CBM Services in the past three years, with 1 complaint closed in the past 12 months. Both of those complaints alleged problems with billing and collections. Since August 2015, the Consumer Financial Protection Bureau (CFPB) has closed 6 complaints against CBM. Justia lists at least 2 cases of civil litigation involving CBM Services, Inc.
CBM Services, Inc.
300 Rodd St., Ste. 202
Midland, MI 48640-6599
Telephone: (989) 631-0104
Website: https://www.cbmservices.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely CBM Services would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. Here are some Sample Cases against CBM Services Inc
In September 2017, a complainant indicated that her mother had received a collection letter from CBM Services. The letter allegedly indicated that CBM Services was trying to collect delinquent debts for 3 different accounts. The complainant’s mother was a co-signer on one of the accounts, but not on either of the other two. The complainant’s mother contacted the plaintiff “in a panic” to ask why she had received a collection letter. She asked the complainant to contact CBM to find out whether they were going to pursue collection activity against her. When the complainant contacted CBM, a representative “denied sending the letter” with information about unrelated accounts to the complainant’s mother. The CBM Services representative allegedly “wanted a copy of the letter for proof.” The complainant indicated she sent them an image of the letter and told them that her mother had received more than one letter making a similar demand. The representative said the manger was not in, but that she would call them back later. When the CBM representative retuned the call, she admitted that CBM Services had made a mistake and promised it would not happen again. However, the complainant indicated that they had made illegal disclosures in the past and believed she should not be held responsible for the debt as a result of their violation. The complainant indicated that the CBM representative “didn’t seem to be sensitive to the situation at all.” The CFPB indicated that the complaint had been “closed with an explanation,” but CBM Services did provide a public response.
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Your debt harassment checklist:
“As we discussed on the phone earlier today, this settlement is perfectly okay to me. I need to thank you and all of your cohorts at Lemberg Law to get a project handled so professionally. Please allow Amy, the first person who contacted me from Lemberg, know how much I appreciate her efforts, kindness, and professionalism.”
“I won’t be afraid to contact you or recommend your services to others for applicable legal issues. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. I’m most grateful. I can not say thank you enough!”
“I received outstanding professionalism from the own staff. I had a horrible experience when trying to solve a debt. 1 debt collector associate said she would speak to the prosecutor’s office and another representative told me that when I called the office back he would call the police and have me arrested. I had been insulted, mocked, and threatened, and feared that the police would appear at my door any given moment.”
“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
We can absolutely help. Call us today.
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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They send a letter about a bill that wasn’t me some used my name in another state .they said ok then I look at my credit report and they put 5 different negative marks on me how can I get them off of my credit and how fast can it be done
Is there any way to delete CBM services from my credit report and erase the debt? I can’t even call them and make a payment.