frequently asked questions for debtors

CBQ Services is a debt collection agency and we are contacting you to collect an outstanding debt. Your debt was not originated by CBQ Services but unless disputed, it is still a valid debt that requires your attention. In some cases your debt may be reported to the credit bureau reporting agencies. We will work with you to get your debt paid off. Call our office toll free at 800.369.1501 to discuss payment options.

CBQ Services does report delinquent accounts to the credit repositories. Your account(s) will be reported if they are eligible per federal and state laws and have not been paid off within (60) sixty days from placement. We also typically will make inquires to credit bureaus to obtain location information and credit information regardless of whether your account is eligible for credit reporting. Sometimes these inquiries may show up on your credit report and may affect your credit score. We listed the three major credit bureau web sites below for your convenience.

Log on at If you prefer, you may call toll free 877.322.8228 or write to:

Annual Credit Report Request Service
Post Office Box 105281
Atlanta, GA  30348-5281

Know more about your debt collection rights and consumer financial education information at Know My Debt.

Read the letter and make sure that you understand it. If you wish to resolve your debt or have any questions, you may call us at toll-free at 800.369.1501. We have payment plans available to help you resolve your debt to move forward. Your letter does provide you with information to go online and setup payment plans or pay off your debt without ever speaking to an account representative. You can go to our payment site through the Client Connect Portal. You can pay online by clicking on the Online Payment Portal. You can pay off in full, make a payment, and create a payment plan. You can also make payments by calling us at 800.369.1501 or by mailing your payment to the address stated in your letter.

Call us to discuss a payment plan. We will work with you!  In many cases you may be able to resolve the debt with monthly payments. We can work out a payment plan that will allow you to pay off your debt with us in a reasonable period. Call us today at 800.369.1501 to find out what we can do for you.

We're a licensed and bonded collection agency in State of Illinois (License #:017.022278) We are an active member of ACA International our industry trade association. You can find us at 510 Maine St, Ste 400, Quincy, IL.

You can make payment online using our website, by mailing in your payment or by paying over the telephone by calling us toll-free at 800.369.1501. It's up to you to choose whatever is easier. We accept the following forms of payment:

  • ACH Check (e-Check)
  • Credit/Debit Card
  • Money Order
  • Cashier's Check
  • Personal Check
  • Papaya Payments 
  • Cash

If you are making several payments, we can set up automatic payment plans for you. The payments can be setup for predetermined dates, and for set amounts based on your negotiated arrangement. For instance, it's very simple to set up a monthly payment of $75 or more to be deducted from your checking account or to be charged to your credit card every month until your debt has been paid in full. If you should ever wish to cancel or change a payment date, all you must do is call us at least 5 business days prior to your payment date and we will cancel or modify the payment for you.

If you filed for bankruptcy protection, and the specific debt in question was included in that bankruptcy, then you are NOT required to repay anything. CBQ Services will need to be made aware of your bankruptcy filing. To inform CBQ Services of your bankruptcy filing you may call us, send us a copy of the filing, or have your bankruptcy attorney contact us with the information.  To close out your account as a bankruptcy, we would like the following information if available:

  1. The exact name(s) shown on the bankruptcy petition
  2. The date of the filing
  3. The Chapter of the bankruptcy (i.e., CH 7, or CH 13)
  4. The bankruptcy case number
  5. The state and district the bankruptcy was filed in