How To Win Against CBE Group and Beat Their Debt Collection

CBE Group (The CBE Group Inc) is a debt collection agency. They specialize in consumer debt collection. If CBE Group contacts you, they have bought your debt from a creditor. Before you pay anything, validate the debt to confirm it’s legitimate. Then figure out how much you can reasonably pay. Begin debt settlement negotiations. If CBE Group sues you for unpaid debt, respond to the lawsuit immediately.

Why Is CBE Group Contacting Me?

CBE Group collects consumer debts. These include medical bills, government debts, and utility bills. If you’re getting calls and emails from CBE Group, they’re trying to collect a debt. You need to confirm the debt is legitimate before doing anything else. Debt validation is your first step.

Don’t ignore collection attempts. Ignoring them could lead to serious consequences. CBE Group might file orders to garnish your bank account or wages.

Do I Have To Pay CBE Group?

You may have to pay if CBE Group validates the debt. If they can prove the debt is yours, you’ll likely owe something. If CBE Group can’t validate the debt, you shouldn’t have to pay.

Even if you do owe the debt, you might not pay the full amount. You can negotiate a debt settlement. Debt collectors often accept 40-60% of the original amount.

If CBE Group has sued you, our partner Solo can help you respond to the lawsuit. They’ve helped over 234,000 people respond to debt collection lawsuits.

How To Negotiate a Debt Settlement With CBE Group

Debt collection companies want to make money. They buy debts for much less than they’re worth. They’re typically open to negotiating a debt settlement. They still profit even when you pay less.

Start the settlement conversation yourself. The process is simpler than you think.

Step 1: Make Sure the Debt Is Valid

Request a debt validation letter from CBE Group if you haven’t received one. You can create and send a debt verification letter. You need to confirm:

• The debt is actually yours
• CBE Group legitimately owns the debt
• The amount they claim is accurate

The Consumer Financial Protection Bureau requires debt collectors to send validation letters. They must send these before or within five days of contacting you. You get 30 days to dispute the debt.

Step 2: Figure Out What You Can Pay

Review your monthly take-home pay carefully. Look at your expenses and existing debt obligations. The CFPB offers helpful budget tools and debt worksheets. You can also get a free consultation with a nonprofit credit counselor.

Determine your payment method once you know what you can afford. Debt collectors prefer one lump-sum payment. If you’re expecting extra income, a lump sum works well. If you can’t pay a lump sum, suggest a payment plan. Some collectors accept monthly payments more readily with direct withdrawals.

Step 3: Make a Settlement Offer to CBE Group

Make your offer in writing. Request their reply in writing too. You need a record of your conversation. Draft a settlement offer letter with specific terms.

Negotiate Everything, Not Just the Amount

You can negotiate more than just the debt amount. Negotiate how you repay your debt. Negotiate how the collector reports your account to credit bureaus. Options include “paid in full,” “partial payment,” or “settled.”

Having your debt recorded as “paid in full” is best for your credit score. Include this term in your negotiation.

Can You Negotiate After Being Sued?

Yes, you can still negotiate a debt settlement after being sued. However, you must continue responding to the lawsuit. Follow all court requirements until your settlement is in writing. Make sure the court case is dismissed or closed.

Tips for a Successful Debt Settlement

Negotiating a debt settlement doesn’t have to be intimidating. Follow these essential tips:

• Always get agreements in writing before making payments
• Start with a lower offer than what you can actually pay
• Be prepared to explain your financial hardship
• Stay calm and professional during negotiations
• Don’t give collectors direct access to your bank account until you have a written agreement
• Request that they mark the debt as “paid in full”
• Keep detailed records of all communications
• Know your rights under the Fair Debt Collection Practices Act

How To Beat CBE Group in a Debt Lawsuit

If CBE Group sues you, you’ll receive a summons and complaint. These official documents alert you to the lawsuit. They provide details of the case.

Responding to the lawsuit is the most important thing you can do. Ignoring a debt collection lawsuit puts your finances at risk. You could face wage or bank account garnishment.

You’ll fill out and file an answer to the lawsuit. Navigating a debt collection lawsuit is easier than you think. If you’re worried about responding on your own, our partner Solo can help you draft an answer letter. They offer a 100% money-back guarantee.

Step 1: Read the Summons and Complaint Carefully

A summons tells you that a lawsuit has been filed. Summons documents vary by court but contain important details. You’ll need these for your answer form:

• The name and address of the court
• Information on all parties involved
• The case number assigned to your lawsuit
• Details of legal consequences if you fail to respond

A complaint accompanies your summons. The summons alerts you of the lawsuit. The complaint outlines the debt collector’s claims against you.

Step 2: Fill Out an Answer Form

Many courts provide blank answer forms. Try Googling “[court name] + answer form.” Your court should be listed on your summons. Most answer templates contain instructions for filling out and filing.

Reach out to the court clerk if you need help. Court clerks can provide administrative assistance. Note: A court clerk cannot give legal advice.

The answer form is your opportunity to explain your side. Give affirmative defenses. These are reasons the debt collector should not win the case. Some courts require additional paperwork, like a certificate of service.

Step 3: File the Answer Form and Serve the Plaintiff

Submit your completed answer form to the court. Most courts offer options for in-person filing. Some provide e-filing systems or accept certified mail. You also need to deliver a copy to the debt collector through certified mail.

Filing procedures vary among courts. Check your court’s website or ask the court clerk. Your summons should include relevant information.