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How to Settle Debt With Credit Bureau Systems

George Simons | February 01, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Credit Bureau Systems is a debt collection agency that has been in business for many years. If you’ve been sued for a debt, use Solo to draft and file your Answer with the court. You can also learn how to engage with Credit Bureau Systems to resolve your debt issue.

Every day, thousands of American consumers have to deal with debt collection calls. One such caller is Credit Bureau Systems, Inc.

Credit Bureau Systems (CBS) started out collecting for the healthcare industry. It eventually branched out to other sectors. But the goal is the same: to get consumers to pay on delinquent accounts.

Debt resulting from medical bills can be frustrating. And you may be tempted to ignore the debt collector's attempts to contact you. This article will establish who Credit Bureau Systems is, why it is unwise to ignore their calls, and how you can engage with them to effectively and efficiently resolve the debt collection matter.

Settle debt with Credit Bureau Systems

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

Settle with SoloSettle

Who is Credit Bureau Systems?

Credit Bureau Systems is a nationwide debt collector with multiple offices. The headquarters are in Kentucky.

Below is Credit Bureau Systems’ contact information:

  • Phone: 270-744-9000
  • Address: 100 Fulton Court Paducah, KY 42001

Aside from debt collection, CBS offers several services, including background checks and tenant screening.

The company may contact you under the following alternative identities.

  • Medical Accounts Receivable Systems
  • Ambulance Medical Billing
  • Accounts Billing Service

With nearly eight decades in business,CBS is here to stay. The company started locally in 1952 and was incorporated in 1976.

The Better Business Bureau lists the company as an accredited collection agency since February 2011 and gives it an A+ score.

Who does Credit Bureau Systems collect for?

As mentioned above, Credit Bureau Systems focuses on collecting debts on behalf of healthcare providers, medical facilities, and other health companies.

What do consumer reviews say about Credit Bureau Systems Inc?

Curious to learn what other consumers have said about their experience engaging with Credit Bureau Systems? If the answer is yes, take a moment to read legit online reviews:

It’s fair to say the online reviews of Credit Bureau Systems are a mixed bag. Nevertheless, the mixed reviews should not deter you from communicating with the debt collector. Proactive communication is a better strategy to getting your debt issue resolved, rather than ignoring their outreach.

However, who wants to play phone tag and wait on hold just to pay off a debt? If calling a debt collector to negotiate sounds horrifying, then try using SoloSettle to negotiate online and resolve your debt through the digital settlement platform.

Understanding your rights under the FDCPA

You have rights under the Fair Debt Collection Practices Act (FDCPA). The debt collection industry is heavily regulated. If you suspect a debt collector has violated your rights, you can check the FDCPA guidelines. You may be entitled to compensation if a debt collector violates the following laws:

  • Debt collectors cannot call you before 8 a.m. or after 9 p.m.
  • Debt collectors cannot use profanity, threats, or vulgar language to intimidate you into paying off a debt.
  • Debt collectors cannot threaten to cause harm to your friends or family, whether it’s physically, emotionally, or financially.
  • Debt collectors cannot contact you several times a day for the same debt.
  • Debt collectors cannot threaten to arrest you or confiscate your documents.

Ignoring Credit Bureau Systems is risky

It is understandable if you are frustrated by debt collection calls and letters. No one wants a constant reminder of their financial struggles.

Some seemingly knowledgeable parties may advise you to ignore debt collectors. But what they do not tell you are the risks. If you ignore debt collectors, the debt does not go away. Even worse, the debt collector can sue you, which complicates matters.

Additionally, responding to debt collectors is not as challenging as it may seem. SoloSuit has made it easy for you to send a debt validation letter. The letter lets Credit Bureau Systems know that you dispute the debt and want an explanation of how they reached the stated amounts.

If Credit Bureau Systems got your debt from a chain of previous debt collectors, they might have lost some of your account details. They will have to stop pursuing you if they cannot compile the supporting documents to validate the debt.

Let’s take a look at an example.

Example: Credit Bureau Systems contact Rachel about an old debt, but she feels pretty confident that she already paid it off. She sends a debt validation letter to CBS within 30 days of their initial call. The debt collectors realize their records were incorrect, and Rachel has already paid the debt in full. They cease all communications, and Rachel is off the hook!


You can also tell Credit Bureau Systems that you want all communication to be in writing. Written correspondence will give you peace of mind. You get to read and respond to letters and emails at the end of a work day instead of having unpredictable calls interrupting your day without notice. It is also more convenient to record such correspondence for future reference.

Watch this video to learn more about how a debt validation letter can help you beat debt collectors like Credit Bureau Systems:

Settle your debt with Credit Bureau Systems

It is important to remember that the primary objective of Credit Bureau Systems is to close and collect on accounts as efficiently as possible. This is why CBS is eager to help you get back on track if your account falls into pre-collection status. If you owe a large debt, the debt collector may be open to a payment plan or a lump sum payoff as an option for resolution.

Here are some actions you can take to negotiate a debt settlement with Credit Bureau Systems:

First Step: Conduct a calculation of what you are able to pay towards the amount owed. For example, if you owe $8,000 and can reasonably pay half of that amount without negatively impacting your ability to pay other living expenses, then this can offer guidance for your debt settlement negotiations.

Second Step: Contact Credit Bureau Systems and convey your offer via a debt settlement letter. The settlement offer should be lower than the number you calculated in Step 1. Why? Because this will provide room for you to negotiate upward if the debt collector declines your opening offer.

Third Step: If you are able to reach an agreement with Credit Bureau Systems on a settlement amount after negotiations, draft a debt settlement agreement that should be signed by you and the debt collector.

Fourth Step: Once the debt settlement agreement has been signed, be sure to pay the agreed amount in time.

Learn more about how to settle your debt by watching this informative video:

Settle with SoloSettle

Make an Offer

Win a lawsuit against Credit Bureau Systems

When you first receive a Summons and Complaint, you may panic. It is perfectly normal. But do not stay in panic mode for too long. You have a short window to file your Answer.

It’s important to respond to the lawsuit before your state’s deadline; otherwise, you risk losing the case automatically by a default judgment. If the court grants a default judgment, Credit Bureau Systems will have the right to garnish your wages and seize your property.

All you have to do is respond to the lawsuit with a written Answer to increase your chances of winning altogether.

The best way to Answer a Summons is to follow these three steps:

  1. Answer each claim.
  2. Assert your affirmative defenses.
  3. File the Answer in court and send a copy to the opposing lawyer.

Step 1: Answer each claim

The Summons document is your official notification that you’ve been sued. The Complaint document (also known as a Petition in some states) lists all the specific claims that CBS is making against you. Read each claim carefully before you respond. Then answer them individually, in corresponding order.

Choose one of the following answers to respond to each claim:

  • Deny: This is like saying, “Prove it.”.
  • Admit: This means you accept the allegations as true. For example, if CBS says you signed an agreement with them on a said date, under stated terms, and they are correct, you can agree. If you agree to all charges, then you are admitting guilt. The judge will have no choice but to issue a judgment.
  • Deny due to lack of knowledge: You may not fully understand a particular claim. Instead of agreeing or denying blindly, this option allows you to, in effect, say, "I don't know if I'm guilty of this or not."

Step 2: Assert your affirmative defenses

Why do you believe you are not liable for the amount owed? Is it because the statute of limitations has passed, and Credit Bureau Systems can no longer sue you? Or is it because they cannot prove how they came to own the debt?

Here is your chance to assert those defenses. Make Credit Bureau Systems prove that you are wrong. If you ignore the lawsuit, they may win in your absence just because you didn't defend yourself.

Here are some examples of affirmative defenses you can use in a debt collection case:

  • The statute of limitations for the debt in question has passed.
  • The debt information, including your name, is incorrect.
  • CBS has no legal standing to ask for the money because they haven't proved the creditor hired them to follow up on it.
  • CBS has not cited any law or statute violated.
  • CBS violated your consumer rights.

Notably, saying you do not have the money is not an affirmative defense that can stand in court.

It can be hard to know which defenses apply to your case, much less how to word them in a legal setting. With SoloSuit, you can respond to a simple series of questions about your case, and we will convert your responses into the right affirmative defenses with the proper legal wording and format.

Make the right affirmative defense the right way, with SoloSuit.

Step 3: File the Answer in court and send a copy to the opposing lawyer

A well-filled Answer will not serve any purpose if it does not reach the court within the deadline of 14-35 days (depending on where you live). Once you are done writing your defenses and have signed the document, print it out and make two copies. Mail a copy to the court or take it to the courthouse, and mail the other copy to CBS. Keep the last copy in your file for reference.

SoloSuit can file your Answer for you in all 50 states.

Check out this video to learn more about these three steps:

The Answer document should not intimidate you. Every day, consumers like you win against debt collectors with SoloSuit. You can, too. A few short answers to simple questions are what you need to generate your response.

Win your lawsuit in 15 minutes.

Now you are ready to beat Credit Bureau Systems.

Before the debt collector sues you, send a debt validation letter. This letter may stop them in their tracks. Always ask for written communication. It is a great way to keep records and stop those persistent calls. If the company sues you, respond fast with Solo’s help. Or you can offer to settle the debt for less.

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Debt collector guides

Are you being contacted by a debt collector? We’re making guides on how to resolve debt with each one.

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Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

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Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

The Debt Hotline

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