3192427350

CEDAR RAPIDS IOWA IS ALL I KNOW

CBE Group
131 Tower Park Dr.
PO Box 2635
Waterloo, IA 50704-2635
800-925-6686
319-234-6686

Also
CBE Group
1309 Technology Pkwy
Cedar Falls, IA
319-277-3204

I got several calls from these 'people' on my cell phone. They never left a message or call back number. I finally got a hold of them when they called, told them to stop calling and followed the information below...it really works!
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HOW TO HANDLE ILLEGAL COLLECTION CALLS AND TACTICS – HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS  AND STATUTE OF LIMITATIONS BY STATE

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/First.htm
   
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

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

Don't know who CBE is but they keep calling all through the day.  I don't answer the calls but it does get annoying not to know what they are calling for.  I am on the Do Not Call Registry but that doesn't seem to keep them from calling.

Had the same problem. I have bills but none over due or late. They call me asking for a Henry (Last Name), no middle name. I told them it I and they wanted my Card number. I told them why cause I have a paid a huge bill and they wanted money. I told them i have over due bills. They put me on hold. Then said If i was Henry. Yes. I ask for a middle name and they didnt want to give me it. I ask for other info. Was put on hold again. Nothing. I ask how did you get me Personal Cell #. Nothing.

I then told them I was going to report them to my Credit Report Center for Fraud and they got scared told me that they where sorry and that they got the Wrong Henry and will take me of there list. I ask to speak to a Super or someone hire.

Funny thing was they started to pretending to play as if the phone was drop or cut.

Collector looking a Person but guessing. Calling Everyone with the same name and see who pays

Fruad looking for easy money

I receive 5 to 10 calls a day from this number. They change their number every so often. If they were above board, why would they have to change numbers? It is CBE Group and I wrote them a letter requesting a cease and desist on the calling, as advised, and they are still calling me and calling me more than they were before!

Keeping getting a call on my cell phone for the past 3 days..

CBE is a leading agency in the credit and collection industry and has a dedicated collection division for the following industries, Utility, Healthcare, Telecommunications, Financial, Government……. Ph # 319-242-7350

Keeps calling my cell number of all things! Never leaves a message and calls multiple times every day! Who are these MORONS? So annoying.

I get the call every day on my cell phone, at least twice a day.  Only the phone number is displayed on my caller ID.  They never leave a message.  Is there no way to stop this?  Since is it costing the public money (phone minutes are money, in my view), why isn't the FCC involved?

First call to my number - no connection with this debt collector - wrong number? We shall see. Caller ID: CBE

Receiving phone calls each day with voice machine asking if I'm someone else.    This has been going on for about 2 months.   These people need to be eliminated.    How the hell can they get away with this crap.

Second call in a week.  I won't pick up and they don't leave any messages.

CBE is if fact a debt collecting agency.  Legally, they must operate under "a bunch" certain rules.  One such rule is the times they are permitted to call a home residence. Another rule is that they are not permitted to call a business.  They are in deed pains in the butt, but it's like anyone else...they have a job to do.  Just hang up on them, or when they ask to speak to someone, and you see CBE on your caller ID...just tell them he isn't in, and won't be back for 4-6 weeks.  I ignore them by telling them "I'm" or he's in India until October.  When they call back I say "I'm" or he's in Kat-Man-Do until November.  Just put them off as long as you want to.  Don't waste your breath talking to these people, and don't feel threatened by them.

This number has called me twice a day for the past few days. After searching on Google and finding out they're a debt collector, I called them back to see what account they were asking about... as all my credit cards, student loans, etc. are in good standing and have been paid on time for the past few years! Turns out they were looking for someone named Reuben. I'll know be purchasing a credit report to make sure someone isn't opening accounts in my name!

They called me on my cell phone!  Left no message

Had a few missed calls from this phone number.  Some searching found it to belong to the CBE group.  I know I have no problems, so I just called them back and sure enough, they were looking for someone else.  Had my number removed quickly with no hassle.  Also, the few prompts were easy to follow.

They call my work phone multiple times a day. No message, and I somehow always miss the call. After reading all of these comments, I've come to 2 conclusions: they are either calling my phone number in error or they are calling for fraud...it's unfortunate either way.

If they continue to call my fax machine they are going to be served with a civil suit. I owe no one except my Diner's Club card that I pay off when the statement arrives.

CBE just called me and a automated recording stated my name and the wrong addy! what if they had called the wrong number and gave this info!