Is Collection Bureau of Hudson Valley Legit? Resolve Your Debt

Yes, Collection Bureau Hudson Valley (CBHV) is a legitimate debt collection agency. If CBHV has contacted you, verify the debt before taking any action. You have rights under federal law to dispute and negotiate.

In a world full of scams, you need to know who to trust. Phone calls from Collection Bureau Hudson Valley may seem suspicious at first. But CBHV is a real company trying to collect real debts.

You can resolve your debt for less than you owe. Our partner Solo makes it easy to respond and negotiate.

Who Is Collection Bureau of Hudson Valley?

CBHV stands for Collection Bureau Hudson Valley. The company operates from Newburgh, New York as a third-party debt collector. Your original creditor hired them to collect money you owe.

Collection Bureau Hudson Valley has been in business since 1974. They’re licensed to collect debt in all 50 states. The Better Business Bureau gives them a B+ accreditation rating.

Is CBHV a Scam?

Collection Bureau Hudson Valley is not a scam. They’re a legitimate debt collection company with decades of operating history. However, their public reputation is mixed.

The BBB website shows dozens of consumer complaints against CBHV. The Consumer Financial Protection Bureau database records hundreds more complaints. Many reviews claim CBHV contacted individuals about illegitimate or incorrect debts.

Your first task is determining whether you actually owe this debt. Never take a debt collector’s word at face value.

How to Find Your CBHV Case Number

A CBHV representative may have mentioned a case number in their voicemail. You need this number to access account details and payment information.

The best option is contacting the company directly. CBHV offers a client portal at their website, but you need login credentials. The website contact form appears reserved for business clients only.

Contact Collection Bureau of Hudson Valley through:

• Email: info@cbhv.com
• Phone: 800-745-1395
• Mail: 155 North Plank Road, Newburgh, New York 12551

Don’t make a payment until you verify the debt is yours. You have the right to dispute and negotiate first.

Respond Quickly to CBHV Contact

CBHV claims they purchased your debt from another creditor. They’re now seeking to collect that debt from you. Respond quickly to their contact attempts.

Ignoring debt collectors never makes the problem go away. In fact, ignoring them often makes things worse. CBHV could sue you for the debt if you don’t respond.

Report Violations of the FDCPA

The Fair Debt Collection Practices Act (FDCPA) protects you from harassment. Debt collectors cannot engage in abusive or deceptive practices.

CBHV cannot legally do the following:

• Call you multiple times per day
• Call before 8 a.m. or after 9 p.m.
• Contact your coworkers, family, or friends about your debt
• Fail to identify themselves as a debt collector
• Refuse to validate your debt when requested
• Threaten to arrest you for unpaid debt
• Use offensive or vulgar language
• Contact you after receiving a cease and desist letter

Has CBHV violated your rights? Report them to the Federal Trade Commission at 877-382-4357. You can also file a complaint with the Consumer Financial Protection Bureau at 855-411-2372.

Verify the Debt Belongs to You

Never admit the debt is yours until CBHV proves it. You have the right to request debt validation within 30 days.

Demand that CBHV provides the following information:

• The name of your original creditor
• The date you incurred the debt
• Evidence connecting you to the debt
• Your past payment history (if any)
• The amount of the original or remaining debt

Send a debt validation letter to CBHV within 30 days of first contact. Our partner Solo helps you create and send this letter correctly.

Pushing back may cause CBHV to drop the claim entirely. At minimum, you’ll learn exactly what you allegedly owe.

Negotiate a Lower Settlement with CBHV

You’ve confirmed the debt is legitimately yours. Now negotiate a lower settlement amount to resolve it.

Most debt collectors prefer settlement over lengthy collection processes. CBHV likely purchased your debt for pennies on the dollar. They’ll often accept less than the full amount.

Start by offering to pay 30-50% of the original debt amount. CBHV may counter with a higher percentage. Keep negotiating until you reach an affordable agreement.

Get any settlement agreement in writing before paying. The agreement should state that payment satisfies the debt in full. Without written proof, CBHV could come after you for the remaining balance.

Our partner Solo handles negotiations with CBHV on your behalf. You never have to speak with collectors directly. The platform only charges a fee after reaching a successful settlement.

What If CBHV Sues You?

CBHV can file a lawsuit if you don’t respond to their collection attempts. You’ll receive a court summons and complaint in the mail.

Never ignore a lawsuit from CBHV or any debt collector. Ignoring the lawsuit results in a default judgment against you. CBHV could then garnish your wages or freeze your bank account.

You must file an Answer to the lawsuit within the deadline stated on your summons. The deadline is typically 20-30 days from when you received the summons.

Our partner Solo helps you draft and file your Answer to the lawsuit. The platform walks you through each step of responding to the court.

Protect Your Rights When Dealing with CBHV

Collection Bureau Hudson Valley is a legitimate debt collector. But legitimacy doesn’t mean they always play fair.

Know your rights under the FDCPA. Demand debt validation before paying anything. Negotiate a lower settlement amount you can actually afford.

Don’t let CBHV pressure you into paying more than necessary. You have the power to resolve this debt on your terms.