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I have dealt with CBE group. I was able to pay that off, and have the account removed from my credit reports. This was a very fresh account too (paid within 4 months of hitting my CR's). So pay the accounts off with CBE and start your goodwill campaign.
More detail would be needed as to whether the insurance company's holding that they were not obligated for the asserted amount is accurate.
Did she ever contest their holding?