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Stop Selip and Stylianou LLP? Powerful E-Book $29.95

Why is Selip and Stylianou LLP Suing Me?

Selip and Stylianou LLP is a third-party debt collection law firm that represents major creditors, banks, and debt buyers. If you have received a lawsuit from them, it likely means that a creditor claims you owe money and has hired Selip and Stylianou LLP to recover the debt through legal action.

Common reasons for being sued by Selip and Stylianou LLP include:

Unpaid credit card balances from banks like Capital One, Discover, or TD Bank

Defaulted personal loans, auto loans, or lines of credit ● Medical bills that have gone into collections

Debt purchased by third-party buyers, such as Midland Credit Management

If you have received a summons or complaint, do not ignore it. Failing to respond can result in a default judgment, allowing the law firm to garnish wages, freeze bank accounts, or place liens on property.

Who is Selip and Stylianou LLP?

Selip and Stylianou LLP is a debt collection law firm based in New York. Previously known as Cohen & Slamowitz, LLP, the firm specializes in representing creditors in debt collection lawsuits across New York and New Jersey.

Some of the primary creditors that Selip and Stylianou LLP represents include:

Capital One

Discover Bank

Midland Credit Management

Synchrony Bank

Truist Bank

TD Bank

The firm is known for aggressively pursuing legal action against consumers with unpaid debts. If they have contacted you, it is important to verify the debt and understand your legal options before making any payments or settlement agreements.

How to Fight a Debt Collection Lawsuit from Selip and Stylianou LLP

If you are sued by Selip and Stylianou LLP, you have the right to dispute the lawsuit and demand proof of the debt. Follow these key steps:

Step 1: Verify the Lawsuit and Debt

Review the court summons carefully, checking for errors in the amount claimed, creditor details, and case jurisdiction.

Request debt validation under the Fair Debt Collection Practices Act (FDCPA). The law firm must provide documentation proving you owe the debt.

Check the statute of limitations in your state. If the debt is too old, you may have a legal defense to have the case dismissed.

Step 2: File an Answer to the Lawsuit

You must respond to the lawsuit in writing within the deadline (usually 20 to 30 days from being served).

If the debt is disputed, incorrect, or lacks documentation, you can challenge the claim in your response.

Common defenses include expired statute of limitations, improper service, or lack of sufficient evidence.

Step 3: Explore Your Legal Defense Options

Lack of Proof – Selip and Stylianou LLP must provide a valid contract and full payment history to prove you owe the debt.

Statute of Limitations Expired – If the debt is too old, they cannot legally sue you for it.

Improper Service – If you were not properly notified about the lawsuit, you may be able to have the case dismissed.

Settlement Options – If the debt is legitimate and within the statute of limitations, negotiating a reduced settlement may be a viable option.

Do I Have to Pay Selip and Stylianou LLP?

Not necessarily. Whether you must pay depends on several factors:

If Selip and Stylianou LLP cannot validate the debt, they must cease collection efforts.

If the debt is outside the statute of limitations, you may not be legally required to pay.

If there are errors in the debt amount or ownership, you can dispute it and demand corrections.

If the debt is valid and enforceable, you may need to pay it, negotiate a settlement, or explore legal defenses.

What Should I Do If Selip and Stylianou LLP Is Harassing Me?

If Selip & Stylianou LLP is contacting you frequently or using aggressive collection tactics, you can take the following steps:

Send a cease and desist letter requesting they stop communication. ● Request debt validation if they have not provided proof of the debt. ● File complaints with the CFPB, FTC, or your state’s Attorney General if they violate debt collection laws.

Can I Settle My Debt with Selip and Stylianou LLP?

Yes, it is often possible to negotiate a lower lump sum payment or a structured repayment plan. If you choose to settle:

Start with a low offer—many debt collectors accept 30 to 50 percent of the total balance.

Get all agreements in writing before making payments. ● Do not agree to a settlement you cannot afford—missed payments may lead to further legal action.

How Does Selip and Stylianou LLP Affect My Credit Score?

If Selip and Stylianou LLP is reporting a debt to the credit bureaus, it can negatively impact your credit score in several ways:

A collection account lowers your credit score significantly. ● The debt can remain on your credit report for up to seven years from the date of delinquency.

It can make it more difficult to obtain loans, credit cards, or mortgages in the future.

Some consumers attempt to negotiate a pay-for-delete agreement, where the collection account is removed in exchange for payment. However, Selip & Stylianou LLP is not obligated to accept this request.

How to Contact Selip and Stylianou LLP

If you need to verify a debt, dispute a claim, or negotiate a settlement, you can contact Selip & Stylianou LLP at:

Mailing Address:

P.O. Box 9004

Woodbury, NY 11797-9004

New York Office Phone Number:

516-364-6006 or 866-848-8975

New Jersey Office Phone Number:

201-368-2850 or 866-848-8975

It is recommended to communicate in writing whenever possible. Written correspondence ensures you have a record of all interactions, which can be valuable if you need to dispute a claim or take legal action.

Can Selip and Stylianou LLP Send You Text Messages?

Answer:

Yes, Selip and Stylianou LLP is legally allowed to send text messages regarding debt collection. However, they must comply with the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA) to ensure they do not violate consumer rights.

Regulations Selip and Stylianou LLP Must Follow When Sending Text Messages

Obtaining Consent – Selip and Stylianou LLP must have your explicit or implied consent to send you text messages. If you provided your phone number to the original creditor, this might be considered implied consent for communication.

Permissible Hours for Contact – Text messages can only be sent between 8 AM and 9 PM in your local time zone. Any messages sent outside this timeframe may be considered harassment under federal law.

Opt-Out Option – Every message must include a clear way to unsubscribe, such as replying with “STOP” or another opt-out

method. Once you opt out, they must cease sending texts.

Message Content Compliance – The content of their messages must not contain:

○ False or misleading information about the debt.

○ Threatening, harassing, or abusive language.

○ Misrepresentation of legal consequences for non-payment. ○ Failure to disclose that they are a debt collection law firm attempting to collect a debt.

What Should You Do If You Receive Unwanted Texts from Selip and Stylianou LLP?

If you receive unwanted or harassing text messages from Selip & Stylianou LLP, take the following steps:

Withdraw Consent – Reply with “STOP” or send a written request asking them to stop text communications. Keep records of your request.

Document the Messages – Save screenshots of all texts received, noting the dates and times.

Report Violations – If they continue sending texts after you have opted out, you can file a complaint with:

○ The Consumer Financial Protection Bureau (CFPB) ○ The Federal Trade Commission (FTC)

○ Your state’s Attorney General’s office

What Selip and Stylianou LLP Cannot Do Under FDCPA

As a debt collection law firm, Selip & Stylianou LLP must comply with the Fair Debt Collection Practices Act (FDCPA). They cannot engage in the following prohibited practices:

Harassment or Threats – They cannot use obscene language, excessive calls, or threats of harm.

False or Misleading Claims – They cannot lie about the amount owed, falsely claim legal actions are pending, or pretend to be law enforcement.

Calling at Inconvenient Times – No calls or texts before 8 AM or after 9 PM without your consent.

Third-Party Disclosure – They cannot share information about your debt with family, employers, or unauthorized individuals. ● Ignoring Cease and Desist Requests – Once you request in writing for them to stop contacting you, they must comply.

Attempting to Collect Invalid Debts – If you dispute the debt and request validation, they must provide proof before continuing collection.

Charging Unauthorized Fees – They cannot add extra fees beyond what the original creditor agreed to.

Threatening Illegal Actions – They cannot threaten lawsuits, wage garnishment, or asset seizure unless they are legally allowed to pursue these actions.

Using Deceptive Tactics – They cannot send fake legal documents or impersonate attorneys to intimidate you.

Continuing Collection After a Dispute – If you send a written dispute, they must halt collection efforts until they provide verification of the debt.

Selip & Stylianou LLP Complaints and Legal Concerns Overall Rating & Customer Dissatisfaction

Google Reviews: 2.9 out of 5 (based on 83 reviews)

BBB Rating: 1 out of 5

Common Complaints & Issues

Harassment & Aggressive Debt Collection Tactics

Repeated phone calls regarding debts that customers claim they do not owe.

Threatening letters and aggressive collection attempts. ● Reports of receiving suspicious or fraudulent debt collection notices. ● Debt collectors refusing to provide proper documentation or proof of debt.

Complaints that debts are being pursued despite being settled or charged off.

Questionable Legitimacy & Documentation Concerns

Debt collection letters lacking essential details such as notary stamps, signatures, or dates.

Inconsistent and unclear paperwork, leading customers to question authenticity.

Allegations of false claims regarding unpaid debts.

Consumers receiving court summons for debts they do not recognize.

Unethical Debt Collection Practices

Reports of debt collectors attempting to collect on expired or non-existent debts.

Attempts to garnish wages and freeze bank accounts without proper notice.

Demanding payment through personal bank account details rather than standard payment methods.

Accusations of charging interest on debts acquired for pennies on the dollar.

Legal Concerns & Violations

Improper service of legal documents (e.g., taping summons to doors without envelopes, leaving personal details exposed).

Allegations of failing to notify debtors before freezing or seizing funds. ● Serving legal notices to incorrect individuals or outdated addresses. ● Pursuing lawsuits without proper legal standing or documentation. ● Reports of debt settlements being ignored, leading to additional legal action.

Poor Customer Service & Lack of Flexibility

Rigid payment plans with no willingness to negotiate.

Lack of empathy for financial hardships, even when documented. ● Failure to acknowledge or honor previously agreed-upon settlements. ● Rude and unhelpful customer service representatives.

Many reviewers express frustration, distrust, and concern over the company’s practices. Reports suggest a pattern of aggressive debt collection tactics, lack of transparency, and questionable legal actions. Some customers are considering or have pursued legal action against the company for alleged misconduct.

Can Selip & Stylianou LLP Cross the Line?

Dealing with debt collectors can be overwhelming, especially when their tactics border on harassment or unfair practices. But what exactly constitutes unfair debt collection behavior, and how does it apply to Selip & Stylianou LLP? Let’s break down some of the most common concerns surrounding debt collection agencies and your rights under the law.

Can Selip & Stylianou LLP Use Profanity or Abusive Language?

Debt collectors are strictly prohibited from using obscene, profane, or abusive language when communicating with consumers. The Fair Debt Collection Practices Act (FDCPA) makes it illegal for agencies like Selip & Stylianou LLP to harass, intimidate, or verbally abuse you in any way. If a representative calls you a “deadbeat,” uses threats, or raises their voice aggressively, they are violating federal law. Such behavior is not only unprofessional but also a direct violation of your consumer rights. If you experience this, document the incident and consider filing a complaint with the Consumer Financial Protection Bureau (CFPB) or your state’s attorney general’s office.

Can Selip & Stylianou LLP Call You Repeatedly?

While debt collectors are allowed to call you regarding a legitimate debt, excessive calls made with the intent to harass or annoy you are strictly forbidden under federal law. Selip & Stylianou LLP cannot call you multiple times a day, especially if you have already communicated with them about the debt. If you feel like you are being harassed by frequent calls, you have the right to send a Cease and Desist letter requesting that they stop contacting you. Once this request is received, they can only contact you to inform you of legal action. If the harassment continues, you may have grounds to sue them for violating your consumer rights.

Can Selip & Stylianou LLP Discuss Your Debt with Others?

Under the FDCPA, debt collectors cannot disclose your debt to third parties, such as family members, friends, neighbors, or employers. The only individuals they are permitted to speak with about your debt are you, your attorney (if you have one), and credit reporting agencies. If a Selip & Stylianou LLP representative discusses your debt with anyone other than you or your legal counsel, they are breaking the law. If this happens, document the incident immediately and consider legal action, as unauthorized disclosure is a direct violation of your privacy rights.

Can Selip & Stylianou LLP Threaten Legal Action Without Intent to Sue?

Debt collectors cannot threaten to take legal action if they have no intention of actually suing you. If Selip & Stylianou LLP claims they will sue you, garnish your wages, or seize your assets without any real basis, they are engaging in deceptive and unfair collection practices. While debt collectors can sue if you legally owe the debt, they must have proper documentation and follow due process. If you receive empty threats regarding legal action, take note of the dates, times, and statements made, and seek legal assistance if necessary.

Can Selip & Stylianou LLP Misrepresent Their Identity?

Debt collection agencies must clearly identify themselves when contacting you. Under federal law, Selip & Stylianou LLP cannot pretend to be attorneys, law enforcement officials, or government representatives in an attempt to intimidate you into making payments. If a collector falsely claims to be an attorney or a government official, this is

fraudulent misrepresentation and is punishable under consumer protection laws. If you experience this, record the conversation if legal in your state and report them to the Federal Trade Commission (FTC).

Can Selip & Stylianou LLP Threaten to Report False Information to Credit Bureaus?

Debt collectors must provide accurate information to credit reporting agencies. If Selip & Stylianou LLP falsely claims that you owe a debt, misrepresents the amount owed, or inaccurately reports your debt status, they are violating the Fair Credit Reporting Act (FCRA). You have the right to dispute any inaccurate or outdated debt reported to the credit bureaus, and Selip & Stylianou LLP must verify the accuracy of their claim. If they report false information, you can file a dispute with the credit bureaus and possibly take legal action for damages.

Can Selip & Stylianou LLP Threaten You with Arrest?

A debt is a civil matter, not a criminal offense, meaning Selip & Stylianou LLP cannot have you arrested or jailed for failing to pay a debt. Any claim that you could be arrested is a scare tactic and completely illegal. Debt collectors may take you to court for unpaid debts, but they cannot threaten arrest, bodily harm, or any form of violence. If they attempt to intimidate you with false threats, document the conversation and file a complaint immediately.

Can Selip & Stylianou LLP Send Fake or Misleading Legal Notices?

Debt collectors are prohibited from sending notices that appear to be official government documents if they are not legitimate. Some consumers have reported receiving letters that look like legal summonses but lack proper dates, notary stamps, or official court information. If you receive a questionable legal notice from Selip & Stylianou LLP, do not assume it is valid—verify with the court directly before taking action. Sending misleading or deceptive notices is a violation of the FDCPA, and you may have legal grounds to file a claim against them.

What Extra Fees Can Selip & Stylianou LLP Add to Your Debt?

Debt collectors cannot arbitrarily add extra fees, interest, or penalties to your debt unless it is explicitly allowed under your original contract or authorized by law. Some collection agencies attempt to inflate the amount owed by adding unauthorized charges. If you notice unexpected fees on your balance, request a debt validation letter and review your original loan agreement. If they are adding unlawful charges, you have the right to dispute the debt.

Can Selip & Stylianou LLP Demand Post-Dated Checks or Debit Card Information?

Debt collectors can request post-dated checks or debit card details for setting up payment arrangements, but they cannot demand them as a condition for payment. Additionally, they must provide advance notice before cashing a post-dated check. If a collector insists on automatic

withdrawals or refuses other payment methods, proceed with caution and consider alternative arrangements.

Can You Stop Selip & Stylianou LLP from Contacting You?

Yes, you can request that Selip & Stylianou LLP stop contacting you by sending a written Cease and Desist letter. Under the FDCPA, once they receive this request, they must stop all communication, except to notify you of legal action. Sending this letter does not erase the debt, but it prevents further harassment. If they continue to contact you after receiving this letter, they are violating federal law, and you may be entitled to legal compensation.

“Make Them Prove You Owe The Debt”

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Dealing with debt collectors can be stressful, but having the right knowledge and resources can make all the difference. That’s why I created the MyDebtRep.com E-Book, “How to Stop a Collection Agency,”

designed to empower you with actionable steps to safeguard your rights and handle debt collectors effectively.

For just $29.95, this budget-friendly guide provides essential strategies, including how to stop harassment, dispute debts, and protect your credit. Don’t let debt collectors intimidate you—take charge of your financial future now!

�� Get your copy today at MyDebtRep.com and start regaining control over your finances.

Can Selip & Stylianou LLP Garnish My Wages?

If you’re facing debt collection efforts from Selip & Stylianou LLP, you may be wondering whether they have the power to garnish your wages. The short answer is yes, but only if specific legal conditions are met. Understanding how wage garnishment works, what steps Selip & Stylianou LLP must take, and what rights you have as a consumer is crucial to protecting yourself from aggressive debt collection tactics.

How Can Selip & Stylianou LLP Legally Garnish Your Wages? 1. A Court Judgment is Required for Wage Garnishment

Selip & Stylianou LLP cannot automatically garnish your wages without first obtaining a court judgment. To do this, they must:

File a lawsuit against you for the debt they claim you owe. ● Serve you with a Summons and Complaint notifying you of the lawsuit.

Win the lawsuit, which typically happens if you do not respond or defend yourself in court.

Obtain a court order allowing them to proceed with wage garnishment.

Once a court grants the judgment, Selip & Stylianou LLP can legally request that your employer withhold a portion of your paycheck to satisfy the debt.

Certain Debts Don’t Require a Court Judgment

While most debts require a lawsuit before garnishment, some exceptions exist. These include:

Federal student loans

Child support obligations

Unpaid taxes owed to the IRS or state government

If your debt falls under these categories, garnishment may occur without a lawsuit. However, Selip & Stylianou LLP generally pursues collection through traditional legal action.

State Laws Impact Wage Garnishment Limits

The amount that can be garnished from your paycheck depends on both federal and state laws. Some states offer stricter protections for consumers, limiting or even prohibiting wage garnishment for certain debts.

Under federal law, garnishment is capped at:

✅ 25% of your disposable income (after taxes and deductions) OR ✅ The amount your earnings exceed 30 times the federal minimum wage

Whichever is less will be the maximum amount garnished. However, state laws may impose stricter limitations, so it’s essential to check the specific regulations in your state.

What Are Your Rights if Selip & Stylianou LLP Pursues Wage Garnishment?

Even if Selip & Stylianou LLP wins a judgment, you still have rights as a consumer. These include:

✅ The Right to Be Notified of a Lawsuit

Before wage garnishment occurs, you must receive:

A Summons and Complaint explaining the lawsuit.

Information about the amount claimed and the reason for legal action.

Failure to properly serve you may give you grounds to challenge the judgment.

✅ Certain Income is Exempt from Garnishment

If you rely on Social Security, disability benefits, veterans’ benefits, or unemployment, these funds are protected from garnishment in most cases.

✅ You Can Challenge the Wage Garnishment

If you believe:

The debt is not valid

The amount is incorrect

You were not properly notified of the lawsuit

You have the right to contest the garnishment in court.

What Happens If Selip & Stylianou LLP Wins a Judgment Against You?

If Selip & Stylianou LLP successfully sues you, they may take several actions to collect the debt, including:

Wage Garnishment

They can legally require your employer to withhold a portion of your paycheck.

Your employer must comply with the court order, or they could face penalties.

Bank Account Garnishment

Selip & Stylianou LLP may seek a court order to freeze and seize money from your bank account.

Certain funds are exempt, such as Social Security benefits. 3. Property Liens

A lien could be placed on your home, car, or other property, preventing you from selling or refinancing until the debt is satisfied.

Asset Seizure

In some cases, they may seize personal assets (such as vehicles or valuables) to cover the debt.

Interest & Additional Fees

A judgment may accrue interest, increasing the total amount you owe over time.

Some states allow collection agencies to add court costs and attorney’s fees.

How to Protect Yourself From Wage Garnishment

Even if Selip & Stylianou LLP has taken legal action against you, you still have options to protect yourself.

✔️ Negotiate a Settlement or Payment Plan

Debt collectors may accept a reduced payment or agree to a payment plan rather than pursuing garnishment.

✔️ Challenge the Lawsuit

If you believe the debt is incorrect, too old (past the statute of limitations), or improperly documented, you can fight the case in court.

✔️ Seek Legal Assistance

Consulting with a consumer rights attorney or a debt relief service like MyDebtRep can help you:

Stop unfair collection practices

Challenge incorrect debts

Protect your wages and assets

What Can I Do?

Unlocking Financial Freedom with MyDebtRep.com

In today’s fast-paced world, dealing with debt can be overwhelming. Many individuals struggle with:

✔ Aggressive debt collection tactics

✔ Harassing phone calls

✔ Mounting financial stress

If you’re searching for a reliable way to reclaim your financial stability, MyDebtRep.com is your go-to resource for expert debt relief solutions.

How MyDebtRep Helps You Take Control

MyDebtRep.com was founded by an industry expert with over two decades of experience in:

�� Debt relief

�� Collection negotiations

�� Consumer rights advocacy

Their approach empowers consumers with knowledge and practical solutions to stop unfair collection agency tactics and work toward financial freedom.

✔ Stop Debt Collectors in Their Tracks

One of the key benefits of using MyDebtRep is their proven strategies to stop debt collectors from unlawful harassment.

⚡ Know Your Rights – Understanding consumer laws protects you from aggressive debt collection.

⚡ End Harassment – Take legal steps to stop threatening calls and letters.

⚡ Regain Peace of Mind – Learn how to communicate effectively with debt collectors.

With expert guidance, you can put an end to unfair collection tactics and take back control of your financial future.

✔ Debt Settlement & Relief Solutions

If you’re drowning in unpaid debts, exploring options like debt settlement can be a game-changer.

�� Negotiate fair settlements

�� Reduce the total amount you owe

�� Avoid costly legal actions

MyDebtRep offers personalized assistance to help you find the best path forward toward debt relief.

✔ Access a Comprehensive Debt Relief E-Book

How to Stop a Collection Agency:

Your Ultimate Guide to Debt Relief

For millions of Americans, dealing with debt collectors is a stressful and often overwhelming experience. Many consumers face aggressive collection tactics, including repeated phone calls, threatening letters, and even lawsuits—often without knowing their legal rights. However, you don’t have to endure this situation alone.

MyDebtRep.com has created a powerful Debt Relief Help E-Book, “How to Stop a Collection Agency,” designed to help individuals take back control of their finances. This comprehensive guide provides the tools and legal strategies you need to stop debt collectors legally, protect your rights, and ultimately work toward financial freedom.

Whether you’re looking for expert debt collection advice, seeking information on debt harassment laws, or want to explore effective debt settlement strategies, this e-book is your go-to resource.

Why You Need the “How to Stop a Collection Agency” E-Book

Collection agencies exist to recover unpaid debts, but many cross ethical and legal lines in their efforts to collect. The Fair Debt Collection Practices Act (FDCPA) sets strict rules about what collectors can and cannot do, yet violations happen every day.

The “How to Stop a Collection Agency” e-book is designed to help you:

✅ Understand your consumer rights in debt collection ✅ Recognize illegal collection practices and take action ✅ Effectively communicate with debt collectors ✅ Stop harassment from collection agencies ✅ Negotiate or settle your debts on favorable terms

Many consumers unknowingly fall victim to unlawful debt collection tactics, resulting in unpaid debts growing larger, damaged credit scores, and overwhelming financial stress. With this e-book, you’ll learn how to fight back, protect yourself legally, and explore legitimate debt relief solutions.

What’s Inside the

“How to Stop a Collection Agency” E-Book?

The e-book provides a step-by-step breakdown of everything you need to know about debt collection, your legal rights, and how to get collection agencies off your back. Below is a detailed look at the key sections covered:

1. Understanding the Debt Collection Process

Debt collection can be confusing and intimidating, especially if you don’t fully understand how it works. This section explains:

How debts end up in collections and why agencies pursue them

The difference between an original creditor and a third-party debt collector

How unpaid debts can impact your credit score and legal status

The role of a trusted collection agency and how they operate

When you understand how the system works, you can make informed decisions about how to handle debt collectors and protect your finances.

2. Know Your Consumer Rights in Debt Collection

Debt collectors must follow federal and state laws, but many rely on intimidation tactics, hoping consumers aren’t aware of their rights. In this chapter, you’ll learn:

Your legal rights under the Fair Debt Collection Practices Act (FDCPA)

How the Fair Credit Reporting Act (FCRA) protects you from inaccurate reporting

The dos and don’ts of debt collection agencies

How to identify and report debt harassment violations

Many consumers unknowingly endure illegal collection tactics—but this e-book ensures you won’t be one of them.

3. How to Stop Debt Collectors Legally

Are you constantly receiving harassing phone calls or letters demanding payment? Here’s how to put an end to it legally:

Send a Cease and Desist Letter – This forces debt collectors to stop contacting you.

Request Debt Validation – If a collection agency can’t prove you owe the debt, they must stop pursuing you.

Use Statutes of Limitations to Your Advantage – Many old debts are legally uncollectible after a certain time period.

File a Complaint with the Consumer Financial Protection Bureau (CFPB) – Hold unethical collectors accountable.

Debt collectors rely on consumers not knowing their rights—this e-book teaches you how to fight back effectively.

4. Effective Debt Settlement Strategies

If you can’t afford to pay a debt in full, you may be able to negotiate a settlement. This section of the e-book covers:

How to negotiate a lump sum payment or reduced balance

The pros and cons of working with a professional debt relief consultant

When to request a payment plan to ease your financial burden

How to avoid scams and unethical debt settlement services

Settling a debt the right way can save you thousands of dollars while improving your financial outlook.

5. How to Take Legal Action Against Debt Collectors

If a collection agency violates the law, you may have the right to sue them and recover damages. This section explains:

How to file a complaint with the CFPB, FTC, and your state attorney general

When you should consider taking legal action

Finding a consumer protection attorney to assist you

Real-life cases where consumers won lawsuits against illegal collectors

Debt harassment is serious, and this e-book gives you the tools to fight back.

How This E-Book Helps You Take Control of Your Finances

If you’re tired of harassing calls, confusing letters, and unfair debt collection practices, this e-book is your roadmap to relief.

Who Should Read This Guide?

📌 Anyone receiving collection calls or letters 📌 People struggling with debt and looking for solutions 📌 Consumers unsure of their rights in debt collection 📌 Those facing unfair treatment or debt harassment 📌 Anyone seeking a fresh financial start

You don’t have to live in fear of debt collectors—this guide empowers you with legal and financial strategies that work.

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Final Thoughts: Take Back Control of Your Finances

Debt doesn’t have to control your life. With the right knowledge and strategy, you can: ✅ Stop collection agencies legally ✅ Settle your debts on fair terms ✅ Protect yourself from illegal collection practices ✅ Take the first step toward financial freedom

📥 Download the “How to Stop a Collection Agency” e-book today and empower yourself with the knowledge you need to fight back and take control!

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mydebtrep-blog · 18 days ago

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Why is CBV Collection Services Suing Me?

CBV Collection Services may be suing you because they claim you owe a debt they are attempting to collect. The lawsuit could be on behalf of an original creditor or because CBV purchased the debt. It is important to verify the legitimacy of the claim and take appropriate action to defend yourself.

Who is CBV Collection Services?

CBV Collection Services is a third-party debt collection agency that collects on behalf of various creditors, including financial institutions, utility companies, and telecommunications providers. They have received numerous complaints for alleged harassment, aggressive collection tactics, and attempts to collect on expired debts.

How Do You Fight Third-Party Debt Collectors Like CBV Collection Services?

If you are being pursued by CBV Collection Services, consider the following steps:

Request Debt Validation: Under the Fair Debt Collection Practices Act (FDCPA), you have the right to demand proof that the debt is

valid and legally owed. If CBV cannot validate the debt, they must cease collection efforts.

Check for Errors: Review your credit reports and collection letters for incorrect balances, fraudulent accounts, or debts that have passed the statute of limitations.

Assert Your Rights: If CBV harasses you, makes threats, or violates your consumer rights, file a complaint with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), or your state’s attorney general.

Negotiate a Settlement: If the debt is legitimate, you can negotiate a reduced settlement or payment plan. Always get agreements in writing before making any payments.

Hire an Attorney: If you are being sued by CBV, consult a consumer rights attorney to explore your legal options, including filing a counterclaim if CBV has violated debt collection laws.

Do I Have to Pay CBV Collection Services?

Not necessarily. Whether you are legally required to pay depends on several factors:

If the debt is valid and within the statute of limitations, you may be obligated to pay, but you can negotiate a lower settlement. ● If the debt is past the statute of limitations, CBV cannot legally sue you. Be cautious not to acknowledge or make payments on an old debt, as this may restart the legal timeframe for collections. ● If the debt is not yours or has errors, you have the right to dispute it. CBV must provide proof before continuing collection efforts.

What to Do If CBV Collection Services Sues You

Step 1: Verify the Lawsuit and Debt

Check the Court Summons: Review the lawsuit details, including the creditor’s name, amount claimed, and court jurisdiction. ● Request Debt Validation: Demand proof that CBV legally owns the debt and has the right to collect.

Check the Statute of Limitations: If the debt is too old, you may have grounds for dismissal.

Step 2: Respond to the Lawsuit

Ignoring a lawsuit can result in a default judgment against you. File a written response within the deadline (usually 20-30 days). In your response, you can:

Dispute incorrect information.

Demand CBV provides valid documentation proving their right to sue. ● Raise legal defenses, such as the debt being past the statute of limitations.

Step 3: Explore Your Legal Defenses

Possible defenses against CBV Collection Services include:

Lack of Proof: CBV must provide proper documentation to justify the lawsuit.

Expired Statute of Limitations: If the debt is too old, CBV cannot legally sue.

Improper Service: If you were not properly notified of the lawsuit, you may seek dismissal.

Debt Settlement: If you wish to resolve the issue outside of court, you can negotiate a payment plan.

Step 4: Know Your Rights Under the FDCPA

Debt collectors like CBV Collection Services cannot:

�� Harass or threaten you.

�� Misrepresent the amount owed.

�� Call before 8 AM or after 9 PM without consent.

�� Contact your employer or family about the debt.

Who Does CBV Collection Services Collect For?

CBV Collection Services collects on behalf of various industries, including banks, credit card companies, telecom providers, and utility companies. They also purchase old debts from creditors, sometimes attempting to collect on accounts that are past the statute of limitations.

Is CBV Collection Services a Legitimate Company?

Yes, CBV Collection Services is a real company, but they have a history of complaints regarding aggressive debt collection practices. Many consumers have reported:

Repeated phone calls, even after requesting to stop.

Attempts to collect on debts that are past the statute of limitations. ● Refusal to provide written documentation or proof of debt. ● Contacting consumers’ workplaces and family members.

If CBV is contacting you, verify the legitimacy of the debt before making any payments.

Contact Information for CBV Collection Services

If you need to reach CBV Collection Services, use the contact details below:

�� Headquarters:20 4664 Lougheed Hwy Burnaby, BC V5C 5T5

�� Phone Number: 1-888-311-1121

�� Email:[email protected]

�� Website: https://www.cbvcollections.com/

�� Tip: Always communicate in writing and request debt validation before making any payments. This ensures you have documentation in case of disputes.

CBV Collection Services: A History of Complaints and Consumer Concerns

CBV Collection Services has been the subject of significant consumer complaints and disputes, as evidenced by the Better Business Bureau (BBB) and other consumer protection platforms. With a total of 267 complaints filed in the last three years, this debt collection agency has been accused of harassment, unethical collection practices, and failure to adhere to fair debt collection laws. Below is an in-depth examination of the complaints, CBV’s history, and its compliance issues.

Common Consumer Complaints Against CBV Collection Services 1. Harassment and Repeated Unwanted Calls

Numerous consumers report being subjected to relentless phone calls from CBV Collection Services, often multiple times per day. Some complaints include:

Receiving repeated automated calls for individuals who do not reside at the phone number provided.

Calls being made to business numbers, disrupting operations. ● Calls continued even after debt verification requests or cease-and-desist notices were issued.

Elderly consumers, some in their 80s, being harassed over debts they do not owe.

Example Complaint: “I have repeatedly received calls for a person they want to collect from named **** *********. CBV has the wrong phone number, and even after telling them this, I still continue to get daily automated calls. We are seniors both in our 80s who do not need this harassment.”

Attempting to Collect on Expired or Nonexistent Debts

Several consumers have accused CBV of attempting to collect on debts that are beyond the statute of limitations, meaning they are no longer legally enforceable. Other complaints involve CBV attempting to collect on debts that consumers claim they never owed.

Example Complaint: “CBV keeps harassing me on a daily basis, trying to collect a 2015 credit card debt that they recently purchased. This debt is past the statute of limitations and was already removed from my Equifax credit report years ago.”

Lack of Debt Verification and Transparency

Many consumers state that CBV refuses to provide proper documentation of the alleged debts they are attempting to collect. Some also claim that CBV fails to send written verification of debts, a violation of the Fair Debt Collection Practices Act (FDCPA).

Example Complaint: “I have asked numerous times for an acknowledgment email of the monthly payment plan put in place. They refuse to send me anything and just make excuses.”

Threatening Language and Unprofessional Conduct

Some complaints describe CBV agents using aggressive or misleading tactics, including threats of legal action that may not be enforceable.

Example Complaint: “CBV representatives have threatened me and my family with legal action if I don’t make a payment immediately, even though I have never received documentation proving I owe this debt.”

Using Deceptive and Unethical Collection Practices

Changing caller ID numbers to avoid being blocked. ● Failing to identify themselves as debt collectors.

Sending misleading letters with legal threats.

Refusing to honor previously agreed-upon payment arrangements.

CBV Collection Services Legal History

CBV Collection Services has faced regulatory scrutiny for potential violations of consumer protection laws, including:

Violations of the Fair Debt Collection Practices Act (FDCPA) – Harassment, failure to provide written debt validation, and using deceptive tactics.

Violations of the Telephone Consumer Protection Act (TCPA) – Robocalling and contacting individuals without consent.

Possible violations of state and provincial consumer protection laws in both the U.S. and Canada.

Why Do CBV Collection Services Have So Many Complaints?

The volume of complaints against CBV Collection Services can be attributed to several factors:

Aggressive Debt Collection Tactics: CBV has a history of persistent and often intrusive contact methods, leading to allegations of harassment.

Failure to Properly Validate Debts: Many consumers claim they are being pursued for debts they do not owe or that are legally unenforceable.

Use of Robocalls and Automated Messaging: Frequent complaints indicate that CBV uses robocalls excessively, leading to a high number of consumer grievances.

Lack of Transparency and Documentation: Customers repeatedly report that CBV refuses to provide written verification of debt or confirm payment arrangements in writing.

Attempts to Collect on Time-Barred Debts: Consumers allege that CBV attempts to collect debts that have passed the statute of limitations, which may be considered an unfair practice.

Should You Be Concerned About CBV Collection Services?

If you are being contacted by CBV Collection Services, it is essential to know your rights and take appropriate steps to protect yourself:

Request written verification of any debt they claim you owe. ● Understand the statute of limitations on debts in your state. ● Send a cease-and-desist letter if you are experiencing harassment. ● Report violations to the Consumer Financial Protection Bureau (CFPB), BBB, or your state attorney general’s office.

CBV Collection Services’ track record of complaints and alleged violations suggest that consumers should approach any interactions with them cautiously and demand proper documentation before making payments.

If you believe CBV Collection Services is violating your rights, seek legal advice or contact a debt relief expert like MyDebtRep to explore your options.

The Cost of Living in New York City: Financial Pressures and Debt Challenges

New York City is a global economic hub known for its opportunities, culture, and fast-paced lifestyle. However, it is also one of the most expensive cities in the United States. The high cost of living—particularly in housing, utilities, and essential services—combined with rising consumer debt, places immense financial pressure on residents.

Housing Costs: The Largest Financial Burden

Housing is the most significant expense for New Yorkers. The average monthly rent in the city is approximately $4,641, while the median home price stands at $1,701,818 (RentCafe). These costs consume a substantial portion of household income, leaving little room for savings or unexpected financial emergencies.

Impacts on Household Budgets

With housing costs consuming a large percentage of income, many New Yorkers struggle to cover other essential expenses. Households must often make difficult financial decisions, such as cutting back on discretionary spending, delaying major purchases, or taking on additional debt. Even small financial disruptions—such as a medical bill, job loss, or unexpected home repair—can quickly lead to financial instability.

For renters, affordability remains a major concern. To avoid spending more than 30% of income on rent, a household would need to earn at least $91,480 annually. However, the median household income in the city is $76,607, meaning many residents already live above the recommended threshold for housing expenses (SoFi). As a result, saving for emergencies, retirement, or homeownership becomes increasingly difficult.

Utilities and Essential Living Expenses

Beyond housing, New Yorkers face additional recurring expenses that further strain household budgets:

Utilities: Monthly expenses for electricity, water, gas, and internet average $410 (SoFi).

Transportation: A 30-day unlimited MetroCard for public transit costs $132, totaling $1,584 annually.

Groceries & Healthcare: Food costs in New York City are approximately 12% higher than the national average, while medical expenses continue to rise, placing additional burdens on low- and middle-income households.

Average Salary in New York City

As of 2025, the median salary in New York City is $73,950 per year, with most salaries ranging between $34,451 and $169,650. These figures vary significantly based on industry, experience, and education level.

Debt Burden in New York City

The financial strain of high living costs has led to increased consumer debt. As of Q2 2024, 12.2% of New Yorkers with credit card accounts were more than 90 days delinquent on at least one account (NYC Comptroller).

Many residents also struggle with medical debt, payday loans, and high-interest credit cards, making it difficult to break free from debt cycles.

New York City’s high cost of living presents significant financial challenges for residents, often forcing them to live paycheck to paycheck. With rent, utilities, and essential services consuming the majority of household budgets, many individuals find it difficult to save for the future or manage unexpected expenses. Understanding these financial pressures is crucial for making informed decisions and exploring debt relief strategies to achieve long-term economic stability.

If you’re facing persistent collection notices and calls, it’s essential to address the situation before it escalates. Has your debt been assigned to any of these collection agencies?

CBV Collection Services

Phone: 1-888-311-1121

Address: 20 4664 Lougheed Hwy Burnaby, BC V5C 5T5

Other Debt Collectors in the Area

RTR Financial Services Inc. – Medical and commercial debt collection

Phone: (718) 668-2881 / (855) 399-4787

Address: 2 Teleport Dr Suite 302, Staten Island, NY 10311 Penn Credit Corporation – Government and utility debt collection

Phone: (800) 900-1361 / (800) 900-1380 / (800) 900-1393 ● Address: 2800 Commerce Dr, Harrisburg, PA 17110 (Operates nationally, including NYC)

IC System – Multi-industry debt collection services

Phone: (833) 665-1962 / (833) 887-6673

Address: 444 Highway 96 East, St. Paul, MN 55127 (Serves NYC clients)

Here is the link for the rest of the collection agencies list here.

The Growing Burden of Debt: Credit Cards and Medical Expenses

For many New York City residents, the high cost of living leaves little room for financial flexibility. When rent, utilities, and other essential expenses consume most of a paycheck, turning to credit becomes a necessity rather than a choice. However, this reliance on borrowed money often leads to mounting debt, making financial stability even harder to achieve.

Credit Card Debt: A Costly Financial Trap

Credit cards serve as a financial lifeline for many individuals, covering daily expenses when cash flow is tight. However, they also come with high-interest rates that make repayment a formidable challenge. Many New Yorkers find themselves trapped in a cycle of revolving debt, where monthly payments barely cover the interest charges, preventing them from making any meaningful progress in reducing their balances. Over time, what may have started as a temporary solution turns into a long-term financial strain, leaving consumers vulnerable to collection actions.

Medical Debt: The Hidden Crisis

Even with health insurance, unexpected medical expenses can have devastating financial consequences. A single emergency room visit or an unforeseen medical procedure can generate bills ranging from hundreds to thousands of dollars. For those without sufficient savings, these costs can become overwhelming, forcing individuals to either defer necessary care or go into debt to pay for treatment. The burden of medical debt often lingers

for years, affecting credit scores and making it even more difficult to achieve financial security.

The Growing Burden of Debt: Credit Cards and Medical Expenses

Credit Card Debt: A Costly Financial Trap

Medical Debt: The Hidden Crisis

for years, affecting credit scores and making it even more difficult to achieve financial security.

The Debt Collection Cycle: When Past-Due Bills Become a Crisis

When individuals fall behind on credit card payments or medical bills, the consequences can escalate quickly. Many consumers may try to keep up with minimum payments, but once financial hardships arise, missing even a single payment can set off a chain reaction.

Persistent Collection Calls and Letters

Once an account becomes delinquent, creditors and collection agencies begin aggressive efforts to recover the outstanding balance. Frequent phone calls, letters, and even automated messages serve as constant reminders of unpaid debts. For many, these relentless collection efforts add to financial and emotional stress, making it difficult to focus on solutions.

Long-Term Consequences of Debt in Collections

Once a debt is sold to a collection agency, the stakes become even higher. A collection account on a credit report can significantly lower credit scores, making it more challenging to secure loans, rent an apartment, or even qualify for basic utilities without deposits. Additionally, outstanding debts in collections often lead to increased interest rates on future borrowing, further straining financial resources. In some cases, creditors may even take legal action, resulting in wage garnishments, bank account levies, or court judgments.

Breaking the Cycle: Seeking Debt Relief in New York City

For those struggling with overwhelming debt, taking proactive steps is essential. Understanding your rights under the Fair Debt Collection Practices Act (FDCPA), exploring debt settlement options, or seeking assistance from financial professionals can help individuals regain control of their finances. While the road to financial recovery may seem daunting, addressing debt head-on can prevent further consequences and pave the way toward long-term stability.

Understanding CBV Collection Services: Your Rights and Responsibilities

Dealing with debt collectors can be overwhelming, especially when contacted by CBV Collection Services. Below are common questions

consumers have about CBV Collection Services and their rights when dealing with debt collection.

Is CBV Collection Services Required to Notify Me Before Receiving My Debt?

No. The original creditor is not obligated to inform you before selling or assigning your debt to CBV Collection Services or any other collection agency. You may first become aware of this transfer when you receive a collection notice or phone call.

Can I Request Information About the Debt?

Yes. If CBV Collection Services contacts you about a debt, you have the right to request validation. Within five days of their initial communication, they must provide written notice detailing the amount owed, the creditor, and instructions for disputing the debt. You can make this request by

phone, but written communication is recommended for documentation.

How Should I Respond If CBV Collection Services Contacts Me?

It is essential to address any contact from CBV Collection Services rather than ignoring it. If you cannot pay the full amount, communicate in writing to negotiate possible repayment terms. If you are on a fixed income, such as Social Security or disability, inform them of your financial limitations.

What If I Already Paid the Debt?

If you have previously paid the debt, provide CBV Collection Services with proof, such as a receipt or bank statement. They will verify this information with the original creditor and update their records accordingly.

Can CBV Collection Services Report the Debt to Credit Bureaus?

Yes. CBV Collection Services can report unpaid debts to major credit bureaus, including Experian, Equifax, and TransUnion. If the debt is paid or settled, they should update the status with the credit bureaus accordingly.

Can I Pay the Original Creditor Instead of CBV Collection Services?

You may attempt to pay the original creditor, but once an account is assigned or sold to CBV Collection Services, they control the collection process. Payments should generally be made to the agency handling the account.

What If I Cannot Afford the Amount CBV Collection Services Is Demanding?

Debt collectors are not required to accept partial payments. They may demand full payment or negotiate a payment plan based on their discretion. If you cannot meet their demands, try to explain your financial situation and propose an amount you can realistically afford.

When Can CBV Collection Services Call Me?

Debt collectors are legally allowed to contact you between 8 a.m. and 9 p.m., seven days a week. If you find their calls excessive or disruptive, you can request that they limit communication or correspond only in writing.

Can CBV Collection Services Contact My Family or Employer?

CBV Collection Services may contact third parties, such as family members or employers, but only to obtain location or employment information. They are prohibited from discussing details of your debt with anyone other than you or your legal representative.

Can CBV Collection Services Contact Me at My Workplace?

Yes, but if you do not want to receive calls at work, you can request in writing that they stop. If they continue to contact you at your place of employment after receiving this request, they may be violating debt collection laws.

Can CBV Collection Services Take Legal Action Against Me?

Yes, CBV Collection Services has the right to sue you to recover the debt. If a lawsuit is filed and you do not respond, they may obtain a default judgment. This could lead to wage garnishment, bank account levies, or liens on personal property. If you receive a court summons, seek legal advice immediately.

Understanding Payments to CBV Collection Services 1. Is CBV Collection Services Required to Accept My Payment?

No. Collection agencies are not obligated to accept partial payments. They may demand the full amount owed or negotiate a payment plan at their discretion.

Can I Make Small Monthly Payments to CBV Collection Services?

CBV Collection Services is not required to accept any monthly payment amount you choose. They typically set the terms, and small payments of $5 or $10 per month are unlikely to be accepted unless explicitly agreed upon.

What Happens If CBV Collection Services Returns My Payment and Demands the Full Balance?

If CBV Collection Services rejects your payment, they may be seeking a larger sum or the full balance. In such cases, try negotiating with their representatives to find a mutually acceptable repayment arrangement.

Do I Have to Sign a Contract for a Payment Plan?

You do not have to sign a contract, but CBV Collection Services may request one. Ensure any written agreement clearly outlines the total debt, interest rate, payment schedule, and terms before signing.

Are Verbal Payment Agreements Legally Binding?

Oral agreements are valid, but it is best to get payment terms in writing. If CBV Collection Services refuses to provide written confirmation, document your payment offer and send it via certified mail with a return receipt.

What Should I Do If I Can’t Make My Scheduled Payment?

If you anticipate missing a payment, contact CBV Collection Services as soon as possible. Communicating your situation may help you renegotiate the terms and avoid further collection actions.

Interest on Debts with CBV Collection Services 1. Can CBV Collection Services Charge Interest on My Debt?

Yes. Collection agencies can charge interest, typically ranging from 7% to 10% annually. The amount of interest must be separately listed from the original principal debt.

Why Can CBV Collection Services Charge Interest If the Original Creditor Didn’t?

Debt collectors are legally allowed to charge interest, even if the original creditor did not. However, they must disclose the interest rate and basis for the charges.

How Far Back Can CBV Collection Services Apply Interest?

Interest is usually applied from the date they acquired the debt, though in some cases, they may apply interest from your last payment or when the original debt was incurred. They cannot retroactively add interest to amounts that already included interest from the original creditor.

Can CBV Collection Services Add Interest All at Once Near the End of the Payment Period?

No. While some agencies attempt this, it is unethical and potentially unlawful if they failed to disclose the interest accumulation earlier. Interest should be applied and disclosed monthly, not added as a surprise lump sum.

Understanding your rights when dealing with CBV Collection Services is crucial. If you owe a debt, communicate in writing, request verification, and negotiate payments based on your financial situation. Always be aware of

the potential legal consequences of ignoring collection efforts. If you receive a lawsuit or collection notice, seeking legal guidance can help protect your rights and financial future.

Take Control: How to Fight Back Against Debt Collectors

Debt collectors rely on intimidation and consumer ignorance to collect payments—but you have the power to push back. Knowing your rights and the right strategies can stop harassment, prevent costly legal action, and put you back in control of your finances.

MyDebtRep: The Insider Advantage You Need

At MyDebtRep, we provide expert guidance from a former debt collector with over two decades of industry experience. Our resources equip you with the knowledge and legal tools to:

Stop Harassment – Put an end to relentless collection calls. ● Challenge Debt Legally – Demand proof and hold collectors accountable.

Avoid Lawsuits & Wage Garnishment – Prevent aggressive legal action.

Negotiate Favorable Settlements – Reduce or eliminate your debt strategically.

The Ultimate Debt Defense Guide

Gain access to proven strategies used by industry insiders to protect yourself against unfair debt collection practices. “How to Stop a Collection Agency” is a comprehensive legal defense guide that reveals the methods collectors don’t want you to know.

Take Action Now – Get the guide for only $29.95 at MyDebtRep.com and stop debt collectors in their tracks.

Your financial future is in your hands—arm yourself with the knowledge to fight back today.

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