How to Settle Debt With CBCS Collections (Now Revco Solutions)

CBCS Collections, now known as Revco Solutions, uses aggressive tactics to collect debts. You may receive constant calls, emails, and social media messages demanding payment. These tactics can feel overwhelming and stressful.

You have more power than you think. Federal law protects you from abusive collection practices. When you understand your rights, you can fight back effectively.

If CBCS has sued you, responding quickly is critical. Our partner Solo helps you draft and file a legal Answer to defend yourself in court.

Who Is CBCS Collections?

CBCS Collections merged with Professional Recovery Consultants, Inc. in 2020. The company then changed its name to Revco Solutions. The debt collection agency operates from North Carolina with offices across the United States.

Consumers have filed numerous complaints against CBCS for violating federal debt collection laws. The company has a reputation for questionable collection methods. Many consumers report aggressive communication techniques that cross legal boundaries.

Some collectors have even attempted to collect debts that consumers don’t actually owe. You need to know your rights before responding to any collection attempts.

CBCS vs. CBCS Collections LLC

CBCS (now Revco Solutions) is different from CBCS Collections LLC. These are two separate companies. Check carefully which company is contacting you. The distinction matters for your legal response.

The FDCPA Protects You From Abusive Collectors

The Fair Debt Collection Practices Act establishes clear rules for debt collectors. CBCS Collections often targets consumers who don’t know these protections. Understanding your rights levels the playing field.

Debt collectors must follow these rules:

• They cannot contact you at work if you tell them not to
• They cannot use profanity, threats, or abusive language
• They cannot threaten lawsuits they don’t intend to file
• They cannot call before 8 AM or after 9 PM
• They must stop contacting you if you send a written cease communication letter

Document every interaction with CBCS Collections. Write down dates, times, and what was said. You may need this evidence later.

How to Contact CBCS Collections for Settlement

Ready to negotiate? You can reach Revco Solutions (formerly CBCS) using these contact details:

• Phone: 855-202-0113
• Address: 2700 Meridian Parkway Suite 200, Durham, NC 27713

Never admit you owe the debt during initial contact. Ask them to verify the debt in writing first. You have the right to request proof.

Attorney Tips for Settling Debt With CBCS

Settling debt requires strategy and patience. Start by requesting debt validation in writing. The collector must prove you owe the debt.

Review the debt carefully. Check if the amount matches your records. Verify that the statute of limitations hasn’t expired. Each state has different time limits for debt collection lawsuits.

Negotiate from a position of knowledge. Debt collectors often buy debts for pennies on the dollar. They may accept 30-50% of what they claim you owe.

Get everything in writing before paying. A settlement agreement should clearly state the amount and that payment satisfies the debt completely.

How to Defend Yourself Against a CBCS Lawsuit

Never ignore a lawsuit from CBCS Collections. Ignoring the suit means automatic judgment against you. The collector can then garnish your wages or freeze your bank account.

You must file an Answer with the court within the deadline. Most states give you 20-30 days after receiving the Complaint. Missing this deadline means you lose by default.

Our partner Solo helps you draft a proper Answer that includes affirmative defenses.

First Step: Verify Which Company Is Suing

Check whether Revco Solutions or CBCS Collections LLC filed the lawsuit. Credit Bureau Collection Services (CBCS) changed its name to Revco Solutions. CBCS Collections LLC is a completely different company.

The distinction affects your defense strategy. Review the lawsuit documents carefully for the exact company name.

What to Include in Your Answer

Your Answer should never admit you owe the debt. The burden of proof falls on CBCS Collections. They must prove three things:

• They have legal standing to sue you
• You are the person who owes the debt
• You owe the specific amount they claim

Deny allegations you’re unsure about. Request proof for every claim. Debt collectors often lack proper documentation.

File your Answer with the court clerk by the deadline. Mail a copy to the CBCS Collections attorney. Keep proof of filing and mailing.

Powerful Affirmative Defenses Against CBCS

Affirmative defenses can get your case dismissed entirely. These defenses challenge the collector’s right to sue you.

Statute of Limitations Defense

Each state sets time limits for debt collection lawsuits. If CBCS filed suit after the deadline, you can get the case dismissed. The statute of limitations varies from three to ten years depending on your state.

Time-barred debt is old debt beyond the legal collection period. Collectors sometimes sue anyway, hoping you won’t respond. Raise this defense in your Answer if applicable.

Lack of Standing

CBCS must prove they own your debt or represent the original creditor. Debt collectors buy portfolios of old debts. They often lack proper documentation showing ownership chain.

Challenge them to produce the original credit agreement. Demand proof they purchased your specific debt. Many collectors cannot provide this evidence.

Improper Service

You must be properly served with the lawsuit. If service was improper, the court lacks jurisdiction. Check your state’s rules for proper service methods.

Identity Theft or Fraud

If someone else created the debt using your information, you’re not responsible. File a police report and dispute the debt. Provide this evidence in your Answer.

File a Counterclaim for FDCPA Violations

CBCS Collections may have violated federal law when collecting from you. If you have proof, file a counterclaim with your Answer.

Successful FDCPA counterclaims can result in damages up to $1,000 plus attorney fees. Document every violation carefully:

• Calls before 8 AM or after 9 PM
• Calls to your workplace after you requested they stop
• Threats of legal action they didn’t take
• Abusive or profane language
• False statements about the debt amount
• Contacting third parties about your debt

Strong evidence of violations strengthens your negotiating position. The collector may dismiss their case to avoid liability.

Steps to Take When CBCS Sues You

Follow this action plan when facing a CBCS Collections lawsuit:

• Confirm whether Revco Solutions or CBCS Collections LLC filed the suit
• Document all communication attempts, especially those violating the FDCPA
• Calculate the statute of limitations for your debt and state
• File your Answer within the court’s deadline
• Include at least one affirmative defense in your Answer
• Demand proof that you owe the debt and the stated amount
• Request documentation showing their legal right to collect
• Consider filing a counterclaim for FDCPA violations
• Keep copies of everything you file and send

Acting quickly protects your rights. Missing the Answer deadline gives CBCS an automatic win.

Negotiate a Settlement With CBCS

Settlement often makes sense even when you have strong defenses. Litigation is time-consuming and stressful. A reasonable settlement ends the matter quickly.

Start negotiations only after filing your Answer. Filing first shows you’re serious about defending yourself. Collectors offer better terms when facing an actual defense.

Offer 30-40% of the claimed debt as settlement. Debt collectors expect negotiation. They often accept less than the full amount.

Never provide bank account information over the phone. Arrange payment through certified check or money order. Get the settlement agreement in writing first.

The agreement should state the payment amount satisfies the debt in full. Without this language, they could collect the remaining balance later.

When to Consider Bankruptcy

Sometimes debt becomes unmanageable despite your best efforts. Bankruptcy provides legal protection from collectors like CBCS Collections.

Chapter 7 bankruptcy eliminates most unsecured debts in 3-4 months. Chapter 13 creates a manageable payment plan over 3-5 years. Both options stop collection lawsuits immediately through automatic stay.

Bankruptcy affects your credit score temporarily. However, it provides a fresh financial start. Consult with a bankruptcy attorney to explore your options.