Frequently Asked Questions About Debt Collection

I just received a collection letter, what should I do?

If you wish to resolve your debt, or have any questions, you may call us at (360) 848-6552. We may have payment plans available to help you resolve your debt, and will work to answer any of your questions.

Who is SB&C, Ltd. & why are you contacting me?

We are a professional, third party debt collection agency, and we are contacting you to collect an outstanding debt. Our clients refer unpaid accounts to our office for collection.

How do I know who you are and where you’re located?

  • We are a licensed collection agency in Washington State
  • We are an active Washington corporation, listed in good standing
  • We are an active member of ACA International (American Collectors Association)
  • We are an active member of the WCA (Washington Collectors Association)
  • Our office location is 1520 E. College Way Mount Vernon, WA 98273

How does my debt affect my credit report?

SB&C, Ltd. does report delinquent accounts to the credit bureaus if your account is eligible to be reported. The major credit bureaus we report to are listed below for your convenience.

My account was included in a bankruptcy, what should I do?

If you filed for bankruptcy, then you may not be required to repay any portion of the debt. In order to confirm the account should be discharged as a result of the bankruptcy, we need you to provide us with your bankruptcy case number. You may call us, write to us, or have your bankruptcy lawyer contact us with the information.

What if I can’t afford to pay the entire bill in full?

Call us to discuss a payment plan. We will work with you. If you are managing through financial hardship, we will work out a payment plan that will allow you to pay off your debt with us in a reasonable period of time.

How do I pay my debt?

You can pay over the telephone by calling us at (360) 848-6552, or by mailing your payment to PO Box 519 Mount Vernon, WA 98273
We accept the following forms of payment:

  • Cash, Check, Electronic Check, Bankcard, Money Orders, Cashier’s Checks

Additional Information:

ACA - What To Do When When Contacted By An Agency

ACA - Separating Fact From Fiction

ACA - Making the Most of Your Money

SB&C Office Image


SB&C, Ltd.
1520 E. College Way
P.O. Box 519
Mount Vernon, WA 98273

Phone Number

Phone: (360) 336 - 3116
Phone: (360) 336 - 3116


Wednesday, Thursday: 8:00am - 8:00pm
Saturday: 8:00am - 12:00pm
Sunday: Closed