Your use of this web site beyond the home page constitutes acceptance of these Terms of Use.

Please read the following information carefully before using this web site. By accessing or using the web site, you acknowledge that you have read, understood and agreed to the Terms of Use and to follow all applicable laws and regulations. If you do not agree with the Terms of Use, do not use this web site. We reserve the right, in our sole discretion, to modify or update these Terms of Use at any time. Please check the Terms of Use each time you visit our web site for the most current information.

These Terms of Use apply to the web site of CBQ Services. If the Terms of Use is not consistent with the specific terms that apply to the CBQ Services information, products or services offered through this web site, then the specific terms that apply to the Services will apply.

You have the option of accessing a link to Trans Union in order to obtain your personal credit report. You are then subject to their Privacy Policy and Terms of Use. You also have the option of accessing a link to Mortgage Information Source (MIS). If you elect to utilize that link, you are then subject to their Privacy Policy and Terms of Use.

CBQ Services does not gather or store information about those who access our site. Both our Collection Division and Credit Reporting Division have written policies in place to cover laws, rules and regulations including but not limited to Fair Credit Reporting Act, Fair Debt Collection Practices Act, HIPAA, and Gramm, Leach, Bliley.

Disclaimer of Warranties and Liability:
The advice, services, products and information offered on this web site are provided "as is", with no warranties or guarantees of any kind. We will not be liable for any damages you incur while using it.

You should not consider any information on this web site to be legal or accounting advice or directives, as it is not intended as such. You should always seek the advice and counsel of a paid professional as each situation and set of circumstances is unique. The opinions expressed on this web site are those of the management of CBQ Services and are based on decades of experience in the areas of professional debt recovery and credit information.

Trademark Rights:
The trademarks, service marks, and logos (if any) used in this web site may be registered or unregistered Trademarks. The Trademark owner has exclusive rights to the Trademark. Any unauthorized use of the trademarks is strictly prohibited. You may not display or use Trademarks for any purpose without the written permission of the Trademark owner.

Policy on Links to the CBQ Services Web Site:
You may contact us to request a limited, non-exclusive right to create a hypertext link to the CBQ Services home page ( However, you may not portray CBQ Services or any of its products or services in a false or offensive manner. Also, you may not misrepresent your relationship with CBQ Services or imply that CBQ Services sponsors, endorses, or is affiliated with your web site or products. You may not replicate, modify, or alter the appearance or content of this web site. You may not use, frame, or utilize framing techniques to enclose any of the content of this web site. Except as stated above, you are not given any other right or license to (i) the content of this web site or (ii) any intellectual property or proprietary rights of CBQ Services. Any limited linking right we may grant may be taken away from you at any time at our discretion.

Policy of Links to Third Party Web Sites:
This web site contains links to third party web sites. CBQ Services does not represent, guarantee, or endorse any web site that you may access from this web site. In addition, if we provide a link to a web site, we do not represent, guarantee, or endorse the company or any of its offerings. Links contained on this web site are provided solely as a convenience for you. When you access a non-CBQ Services web site, please understand that the linked site and its content are not under our control. CBQ Services is not responsible for web casting or any other form of transmission received from any linked sites. You are responsible for protecting your system from viruses and other invasive items.

Unsolicited Idea Submission Policy:
If you provide us with comments, ideas, or suggestions ("feedback") such feedback is not considered confidential and becomes the property of CBQ Services. We are not obligated to you if you provide feedback. We are free to use, copy, or distribute the feedback to others for any purpose.

International Use:
Because this web site can be accessed internationally, you agree to follow all local laws and rules about the Internet, data, e-mail, and privacy. Specifically, you agree to follow all laws and rules that apply to transmitting technical data exported from the United States or the country of your residence.

Applicable Law:
The materials in this web site are designed for use by residents of the United States. CBQ Services controls and operates this web site through its office within the State of Illinois. This Agreement shall be governed, interpreted, and enforced according to the laws of the State of Illinois, regardless of Illinois conflict of laws.

You agree to reimburse CBQ Services, its officers, employees, agents, and partners for all losses, damages, and costs, including actual costs of collection and reasonable attorney's fees, resulting from your violation of these Terms of Use.

Copyright Notice:
Except as otherwise stated, CBQ Services owns all content contained in this web site. Content includes the information, text, graphics, web site design and its selection, assembly, and arrangement (collectively "Content"). Copyright laws of the United States and other countries may protect the Content. The Content may not be used for any commercial purpose or copied, distributed, displayed, modified, or reverse engineered without CBQ Service's prior written permission. You may print or download portions of material from the web site solely for your own non-commercial use, if you do not change or delete any copyright or proprietary notices from the materials.

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.