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How to Resolve a CCB Springfield IL Lawsuit

George Simons | January 28, 2025

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: Is CCB Springfield IL suing you for an old debt? Not sure how to respond? Use Solo’s Answer to respond to their lawsuit and learn how to ask for a settlement deal.

If you have fallen behind on your debt payments, you may feel worried. What might make matters worse is that you may receive a summons and complaint from CCB Springfield, IL in the mail to go to court. This means you are being sued for a debt you owe an original creditor. If you owe the money but feel you should not pay or think you have a legal countersuit against the debt collector, then you have options.

A good first step is to file an Answer to the lawsuit to avoid a default judgment, even if you want to negotiate or dispute the debt. Filing an Answer lets the court know you are serious about resolving the issue and allows you to explain your side. After that, you can settle the debt before the court date.

This article will give more information on how to handle your debt situation after receiving the CCB Springfield, IL lawsuit. But before that, let's learn more about CCB Springfield, IL.

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What is CCB Springfield, IL?

CCB Springfield, IL, is a third-party debt collection agency in Springfield, IL. CCB Springfield, IL, has been collecting debts for over 80 years. It is CCB Credit Services office located in Springfield, IL. CCB helps businesses collect unpaid bills that are usually 3-4 months overdue. CCB starts contacting customers by mail and phone before they consider filing a lawsuit against them.

As CCB aims to get their clients money and not frustrate you, they can help you set up payment plans and work with you to pay your bills. Their contact information is as follows:

Who does CCB Springfield IL collect for?

CCB Springfield, IL, collects for various clients who do not have a department to follow up on outstanding accounts. These clients include:

  • Automotive loan providers
  • Communications companies
  • Student loan providers
  • Medical facilities
  • Financial institutions
  • Utility companies

Even though you may not have dealt directly with CCB, they can follow up on a client’s debt and use their company name on the lawsuit and credit report.

Read CCB Springfield IL’s reviews online

When checking CCB Springfield IL's online reviews, keep in mind that debt collection reviews often show different sides of the story. Like most collection agencies, CCB has both positive and negative reviews. While some people share difficult experiences, others note successful resolutions to their accounts. Here are three platforms to explore:

When reading reviews, it's helpful to look at the whole picture and have an open mind to see CCB from another perspective. For example, David Warner had this to say about CCB and the employees.


“Several years ago, I worked at CCB. CCB is a great place, and they really spend time trying to help people rectify their situations. The staff and team were great and taught me great leadership skills that I use today to manage multiple loan locations in Myrtle Beach. I appreciate all their work and leadership training and pushing.”

If you interact with CCB’s agent with an open mind, you will likely have a better experience.

What happens when you do not pay your debt?

If you have been given a line of credit or a loan, then you owe this money back. Anyone who has given you credit or a loan is a creditor. This can include:

  • Banks
  • Landlords
  • Utility companies
  • Department stores
  • Government entities

If you cannot pay back your debt, then the creditor is allowed to approach the courts to sue you for that debt. Sometimes debt collectors, such as CCB Springfield, will purchase debts or work on behalf of a creditor. Then the debt collector will sue you in court for your debt.

Don't ignore a debt collection lawsuit. File a response with SoloSuit.

Your consumer rights under the FDCPA

Debt collection laws are designed to ensure that collection agencies treat individuals fairly and respectfully when attempting to recover payments. Under the Federal Debt Collection Practices Act (FDCPA) collection agencies and attorneys may not:

  • Contact other people about your debt. This includes neighbors, relatives, and employers.
  • Contact you before 8:00 A.M. or after 9:00 P.M.
  • Contact you at work if you are not allowed to take calls.
  • Contact you directly if you have an attorney.
  • Continue to try to collect the debt if you have attempted to dispute the debt.
  • Lie to you about anything regarding the debt.
  • Harassing you in any manner.

These regulations are in place to ensure that CCB Springfield IL's debt recovery process remains fair and professional, allowing you to handle your financial situation without unnecessary pressure.

What happens when CCB Springfield IL sues you

If you do not pay your debts, CCB Springfield IL has a legal right to file a lawsuit against you. In this case, CCB will file court papers called the Summons and Complaint. You will be served with these.

After being served with the debt lawsuit, you will have anywhere from 14 to 30 days to respond to the courts. This is located on the court papers that you are served with. You must respond to the courts with a certified Answer. In this answer, you can list any affirmative defenses you have to the lawsuit.

After you file an answer, a hearing will most likely be scheduled. This will be your chance to prove one of the following:

  • You do not owe the money
  • You have already paid the money
  • Your countersuit

Watch the following video to learn a step-by-step process of drafting an Answer.

If you do not file an Answer, CCB Springfield IL will be given a default judgment against you. This is the same as if you lose the lawsuit. The default judgment will open up other avenues for the debt collector to collect from you such as wage garnishment, placing liens on your property, or taking money directly from your bank account.

Make the right defense the right way with SoloSuit.

What is a judgment?

Judgments are legal documents that state that you owe someone money. To obtain a judgment, a creditor must sue you. Judgments also collect interest, which varies in each state. In each state, the judgment can be collected in a certain length of time. To resolve the judgment, the creditor must file a “satisfaction of judgment” with the court and give you a copy. After you make a final payment, you need to have a receipt stating that the satisfaction of judgment has been filed.

Challenging a default judgment

It can be difficult to challenge a default judgment, but it is possible. If you want to overturn a default judgment, you will need to ask the court to vacate it by filing an “Order to Show Cause to Vacate a Default Judgment.” If you were served but never responded, you must explain yourself and show a good reason for not responding. The best thing to do is choose the options below.

1. Protect your income and property

There are specific types of income and property that are exempt from collection. This can make you “judgment-proof”. Some kinds of income protected from garnishment include:

  • Welfare benefits
  • Social Security
  • Social Security Disability
  • SSI
  • Pensions
  • Unemployment benefits
  • Veterans benefits
  • Worker's compensation
  • Child support and alimony
  • IRA or 401K Retirement Fund
  • Rental or Utility Security Deposits

CCB Springfield IL cannot take these protected forms of income or assets, even if they obtain a judgment against you. This ensures that your most basic financial resources remain secure, providing stability as you address your debt and explore ways to resolve it.

Respond to debt collection lawsuits fast with SoloSuit and protect your property.

2. Use the statute of limitations

Some debts are too old for debt collectors to sue you for. These are called time-barred debts. This occurs when the statute of limitations is passed, anywhere from two to 20 years, but on average, it is four to six years. CCB Springfield, IL, may still file a lawsuit against you to attempt to collect on your debt. Paying a time-barred debt will restart the statute of limitations. This is why you cannot pay an old debt, even only $5, as this will restart the statute of limitations.

3. File for bankruptcy

Filing for bankruptcy should always be a last resort. It can be extremely expensive and is not always the right choice. It will also follow you for the rest of your life. This is why you should only do so if you have a variety of debts and are looking for a fresh start. Before making this decision, you should fully determine if you have no other options.

Settle your debt with CCB Springfield IL

You should consider four things before beginning the debt negotiation process.

  1. How much can you afford to pay to resolve the debt?
  2. Contact CCB Springfield, IL t to start the debt settlement process. Consider offering less than the total amount you can pay. If CCB makes a counteroffer, you still have some room to negotiate.
  3. Send a debt settlement agreement for both parties to sign once you’ve reached an agreement.
  4. Pay the agreed amount on time.

If CCB Springfield IL withdraws the case after receiving your Answer, you can contact them for debt settlement using SoloSettle. This tool makes it easier to handle your debt and negotiate a deal by taking advantage of Solo's good relationship with debt collectors.

First, you’ll provide information about your debt and then move to the next step, where you’ll access a customizable template to help negotiate with CCB Springfield, IL. You remain in control of the negotiation process while SoloSettle handles all the paperwork to ensure everything is managed properly. We will also protect your personal and financial information. Start working on your settlement offer with Solo today.

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