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Credit Bureau Associates Northeast Inc


30 Massachusetts Ave Ste 4
North Andover, MA 01845-3458

Contact Them:

Phone: (978) 682-2199
Fax: (978) 682-3457

Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to contact you before 8 am or after 9 pm.

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.

  • 1 Comment

    1. Rosemarie Roy on October 8, 2015 at 1:41 pm

      I am a 77 year old female. I owed $180.00 to an ambulance service as a balance due. They turned my account over to CBAN who sent me a bill. I called to tell them I could only pay $20.00 a month and she agreed. She said she would sent me a payment book and she never did. I sent two $20.00 checks and I lost their address so couldn’t send any more. They reported me to my credit bureau for $140.00 and it lowered my credit rating. If she had sent a payment book to me I would have made payments to them. I would like help with this matter. I recently found their letter and address. I’m not sure if I should make payments now and it would erase my bad credit rating. I recently applied for a bank loan and was turned down because of this.

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.