what is kbs debt collector?

• They Ask for Info They Should Already Have.
• They Won't Share Their Info with You.
• They Threaten or Lie to You.
• They Insist You Pay Right Now.
• They Ask You to Pay by Untraceable Methods.

It's very simple: Someone contacts you — often by phone, but also by text message, fax, mail or email — and claims that you owe a debt. The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection.

In any case, the scammer will use all sorts of techniques to get you to pay — intimidation, lies, harassment, etc.

Before you pay any debt to any collector, confirm that the debt is real and valid. And be on the lookout for the signs of a debt collection scam.

One of the surest ways to avoid a debt collection scam is to know all of your real or valid debt. If someone contacts you about a debt you owe, you can quickly identify whether it's real or fake.

Note: When you get your credit report, review it carefully for false, outdated, or inaccurate entries.

Texas consumers have reported many tactics used by debt collection scammers. These scammers can be very convincing, which is why you need to spot the signs of a fake debt collection:

Real debt collectors already know much of your information — e.g., how much you owe, your address, social security number, birthday, etc. But debt collection scammers probably don't have all of your info already, so they'll ask for it. If they don't seem to know enough about you, there's a good chance they're a scammer.

Whenever someone tries to collect a debt, ask for all of their company's information, including:

Request all of these details. Write them down. Send the agency a letter by mail asking them to confirm their debt in writing. Search for the company name on the internet, review their website, call their number, etc. Do your homework.

If they refuse to answer all of your questions, there's a good chance you're in the middle of a scam. Don’t respond and file a complaint with us.

First of all, the law prohibits debt collectors from lying, threatening you with things they can't do or posing as government officials. Remember, you have debt collection rights.

Scammers like to use intimidation and fear to get payments. You won't go to jail for your debt, so if the collector says that you will, they're lying. You also can’t be sued in any county other than where you lived when you signed the contract or at the time the lawsuit was filed. Break off contact with them and file a complaint.

Real debt collectors will often try to get payment quickly, but if your collector is being very pushy, you should be suspicious. Scammers survive by getting people to pay fake debts before they have a chance to realize they're being scammed. So if a debt collector pushes you to pay immediately, be very cautious.

Scammers don't want to be found, so they often insist you make a payment by Visa gift card, iTunes gift card, wire transfer—or some other untraceable method. Real debt collectors will accept normal, trackable payments (e.g., check, traditional credit card, etc.). Don't ever send a debt payment by wire transfer, especially overseas.

First, if criminal activity was involved, contact your local law enforcement.

Then file a complaint with us. The more we know about current scams, the more likely it is we'll be able to identify or prevent similar scams in the future.

Never attempt to "scam the scammer." You may be upset, but trying to get revenge will not work. The more you engage with scammers, the more likely you'll lose more money and time.

Finally, contact a major credit reporting agency. Tell them you've been targeted by fake debt collectors. Ask them to place a fraud alert on your credit report. They are required to tell the other two agencies about your fraud alert.:

A debt collector must tell you information such as the name of the creditor, the amount owed, and that if you dispute the debt the debt collector will have to obtain verification of the debt. If the debt collector does not provide this information during the initial contact with you, they are required to send you a written notice within five days of that initial contact.

Scammers like these payment methods because they may be untraceable, and it can be hard for you to get your money back.

But beware, if you do owe criminal fines or restitution, it is possible that failure to pay may result in your arrest.

Some scammers may try to get you to pay by threatening to reveal your debts to family, friends, coworkers, or employers. A debt collector is generally not allowed to tell other people about your debt without your permission. They can only ask others about your whereabouts to try and contact you.

Ask questions to make sure the debt is one that you owe. Any debt collector who contacts you claiming you owe payment on a debt is required by law to tell you certain information about the debt. That information must include:

If you believe you do not owe the debt or that it's not even your debt, tell the caller that you will send a written request to the debt collector and ”dispute” the debt. You can also send a written request to the debt collector to receive more information about the debt.

Such as your bank account, routing numbers, or Social Security numbers. You should never provide anyone with your personal financial information unless you are sure they’re legitimate. Scammers can use your information to commit identity theft.

Debt collectors cannot call you at an unusual time or place or at a time or place they know is inconvenient to you. You might be dealing with a scammer if you are called before 8 a.m. or after 9 p.m.

Overview. KBS Enterprises, is in the business of acquiring charged off consumer credit card debt at a discount from banks and then collecting those assets by placing the portfolios with extraordinarily qualified third party collection agencies.