Average auto loan debt: $23,792. Auto loans are secured debt — the lender can repossess. However, deficiency balances after repossession can be disputed, especially if the sale wasn't commercially reasonable.
Common CBE Group Violations
Auto-dialer calls without consent
Failing to identify as debt collector in communications
Misrepresenting the character or amount of debt
Auto Loan Debt Dispute Strategies
1
Challenge deficiency balance after repossession
2
Verify the sale was commercially reasonable (UCC requirement)
3
Dispute if proper repossession notice wasn't given
4
Check for state-specific redemption rights
5
Validate any collection attempts under FDCPA
Tips Against CBE Group
CBE collects telecom debts — verify the account was actually yours
Request all call recordings — they're required to maintain them
FCC complaints get faster resolution for telecom-related debts