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Resolve Debt with CBM Services

Dena Standley | April 23, 2024

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

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: To resolve debt with CBM Services, confirm the debt's legitimacy first. If valid, consider full payment, debt settlement, or disputing if it's not yours. You can negotiate settlement with CBM Services directly or through tools like SoloSettle.

Resolving a debt with a debt collector entails making payments and clearing the debt you owe. CBM Services Inc. is no different and will contact you about a debt you owe one of its clients. With multiple collection letters, calls, and email daily, you will probably start to look for ways to resolve the debt.

Even when you plan to resolve the debt, you must be sure it is a debt that you genuinely owe and not a case of mistaken identity or identity theft. Sending a Debt Validation Letter is the initial stage in your journey to resolving the debt. So, let’s discuss various ways to resolve a debt.

But before we get to it, let's take a look at who CBM Services is and what consumers say about the company.

Settle debt with CBM Services Inc.

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

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What is CBM Services Inc?

CBM Services Inc. is a legitimate third-party debt collection agency in Midland, Michigan. It has over 100 years of experience in the financial sector, helping its clients receive money owed to them. CBM Services Inc. collects for companies in various industries, including government, medical, commercial, and financial institutions.

CBM Services Inc. assures its clients a high success rate in receiving full payment from delinquent accounts. It succeeds in achieving this goal because it offers full-fledged services, including credit reporting, debt collection, and legal action for those who resist collection efforts. You can reach the CBM Services Inc. phone number to contact the company at 989-631-0104, or use the following information to communicate:

CBM Services Inc. has poor reviews

Consumers mostly have negative things to say about CBM Services from various online platforms. The following table shows CBM Services Inc. average ratings out of five stars on four different platforms:

CBM Services reviews
Platform Rating
BBB 1
Chamber of Commerce 1.8
Birdeye 1.9
WalletHub 2.6

Many consumers have gone online to submit formal complaints against CBM Services too. In these complaints, consumers mention dealing with rude and uncooperative representatives, inaccurate credit reporting, and being contact about a debt that was already paid.

Some of these issues are considered violations of the Fair Debt Collection Practices Act (FDCPA), which was enacted to protect consumers from aggressive and unjust collection actions. If CBM Services violates your rights under the FDCPA, you are legally allowed to take action against them.

Resolve a debt that doesn't belong to you

Sometimes, CBM Services may pursue you for payment of a debt that doesn't belong to you or that you already paid for in the past. You can resolve this debt by disputing it with CBM Services Inc. and with the three credit bureaus—if the debt is already on your credit report. The first step is to send CBM Services a Debt Validation Letter to get more information about the debt, including the amount, the original creditor, and the duration you acquired the debt.

These details will be part of the evidence you use to write a dispute letter to the credit bureaus. After they receive the dispute letter, the three credit bureaus will investigate and contact you within 30 days. The debt will be removed or modified according to the investigation results.

Let's look at an example of how to use a Debt Validation Letter when dealing with CBM Services Inc.

Example: CBM Services Inc. contacted Tina about a debt she didn't recognize. Instead of ignoring the letters and calls, Tina sent the collection agency a Debt Validation Letter within 30 days of their initial contact with her. When CBM Services received the letter, they did some investigating and discovered that the debt was already paid off. Tina never head from CBM Services Inc. again.


If CBM Services Inc. has sued you for a debt you want to dispute, you must respond to the lawsuit before sending the dispute letter. In the following video, discover how to respond to a debt collection lawsuit and improve the chances of winning your case.

Pay off your debt

The ultimate way to get CBM Services agents off your back is to pay the debt in full with a single payment. You can only do this if you have received a sizable gift or inheritance or an investment has matured. Before using this approach, ensure you retain enough money for upkeep and paying other pending debts.

You must also weigh the pros and cons of paying it all at once. Paying off an account can temporarily lower your stable credit score, but it will recover quickly if you continue making good financial decisions. Keep the account open after paying your debt in full to avoid getting a slightly lower score as a penalty.

We know that paying off a debt in full isn’t always an option. So, if you’re experiencing financial hardship and want to resolve your debt with CBM Services, consider debt settlement.

Settle your debt with CBM Services

Debt settlement means you pay off a percentage of your debt, usually in a lump-sum payment, to clear your name of it. You can send a settlement offer to CBM Services Inc. to start the conversation.

When making a settlement offer, start low because CBM Services may respond with a counteroffer. Before giving you an offer, they may investigate your financial situation to confirm that you lack the means to pay the debt. Afterward, they may access your debt, payment history, and the reasons you gave for non-payment before responding.

Be prepared to negotiate. It may take several offers before you come to a debt settlement agreement with CBM Services.

Once you reach an agreement, ensure you have the debt settlement agreement in writing because debt collectors may attempt to go back on their word after consumers pay the agreed settlement amount. They often return with a threat of a lawsuit or a promise to remove the debt from your credit report if you top up the remaining balance.

Let's look at an example of how to settle debt with CBM Services Inc.

SoloSettle simplifies the settlement process

SoloSettle is an online tool that helps you in the settlement process by allowing you to directly send and receive settlement offers to and from CBM Service Inc. Once you reach a settlement agreement, SoloSettle will take care of the paperwork to ensure you get everything in writing and transfer your settlement payment to the collector, keeping your financial information private and secure.

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