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SB and C Ltd


1520 E College Way
Mount Vernon, WA 98273-5615

Contact Them:

Phone: (360) 336-3116
Fax: (360) 336-5109

Fact: Pursuant to the Fair Debt Collection Practices Act, a collection agency must tell you how much you owe, the name of the creditor to whom the debt is owed, and that you have the right to dispute the debt within thirty days.

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. Katrina Y. on July 17, 2015 at 8:18 pm

      SB and C Ltd keeps calling my parents’ house looking for me. I told SB and C Ltd not to call there but they keep doing it anyway. SB and C Ltd also keeps calling my cell phone, so obviously they have my number. Not to mention the fact that I have sent SB and C Ltd a letter asking them to cease and desist calling me. SB and C Ltd continues to call me and my parents too.

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