CBV Collections

What is CBV Collections?

CBV Collections is a debt collection agency that works with businesses to recover money that hasn't been paid. They've been around for more than a century and offer their services throughout Canada.

They work with all kinds of clients, like phone and internet companies, banks, government offices, hospitals, utility providers, and retail stores.

A lot of people say CBV Collections calls often, but they are usually open to working out payment options if you talk to them.

CBV Collection Services Ltd. in Canada is a different company from CBV Collections, Inc. in the United States.

Why is CBV Collections Canada calling me?

If you've received a call from CBV Collections, they're trying to recover an unpaid debt on behalf of a creditor.

If you're not sure why they're reaching out, ask them to send you written proof of the debt before you give out any personal details or make a payment.

CBV Collections collects for:

• BMO (Bank of Montreal) credit card debts
• Telecommunications companies (phone, internet, cable)
• Banks and financial institutions
• Government agencies
• Healthcare providers and hospitals
• Utilities (hydro, gas, water)
• Education and student loans
• Commercial businesses
• Credit card companies
• Retail stores

Is CBV Collections a legitimate collection agency?

CBV Collections is a real debt collection agency that's been in business for more than 100 years.

Still, it's important to check, since scammers sometimes pretend to be collection agencies. Always ask for written proof of any debt before you pay.

Your rights when a debt collection agency like CBV Collections contacts you

Debt collectors have to follow certain rules about what they can and can't do when they contact you:

• Every time a debt collector contacts you, they must identify themselves.
• Debt collectors can only contact you during specified hours, usually between 7 AM and 9 PM (but exact times depend on your province)
• They cannot make false or misleading representations to collect a debt.
• Debt collectors may not harass, threaten or intimidate you.
• Debt collectors may not use threatening, profane, intimidating or coercive language.
• Debt collectors may not apply undue, excessive or unreasonable pressure.
• Make sure you get written proof of the debt before you answer any questions, share personal information, or pay anything.
• A debt collector can't contact you at work once you've told them not to.

What to do if a debt collection agency like CBV Collections contacts you

1. Ask for written verification of the debt.
2. Don't say you owe the debt or give out any sensitive details until you've confirmed it's real.
3. If you want the calls to stop, you can write to the collection agency and ask them not to call you anymore. Just keep in mind that this doesn't stop them from taking legal steps if they choose to.
4. If you believe you don't owe the money, let them know you dispute the debt and ask for written proof.
5. Consider speaking with a Licensed Insolvency Trustee for free advice.