Is Revenue Cycle Management calling you? Here’s what you need to know:
In today’s uncertain economic climate, it’s alarmingly easy to get behind on paying your monthly obligations. When you lose your job, become too sick to work, or have an unexpected medical emergency or house repair, your ability to pay off credit cards, student loans, and medical debt is seriously affected. Sooner or later you’ll probably hear from third-party debt collectors, many of whom are ruthless when it comes to collecting money from you. Fortunately, you don’t have to tolerate abuse.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, provides indebted consumers with the right to dispute a debt and tell the collector to stop calling them. It also prohibits third-party debt collectors from using hostile and deceptive collection tactics like the following:
- Calling you outside of the hours of 8:00 a.m. – 9:00 p.m. in your time zone
- Failing or refusing to report disputed debts to the credit bureaus
- Threatening to take you to court, garnish your wages, or have you arrested
- Refusing to validate the debt and prove that they are authorized to collect it
- Contacting you at work after you tell them that your boss won’t let you take such calls
Company Profile: Revenue Cycle Management
Revenue Cycle Management is a collection agency located in Honolulu, Hawaii. It was established in 2004, has 10 to 19 employees, and is a member of the Association of Credit and Collection Professionals. Litigation records archived at the PACER (Public Access to Court Electronic Records) website reveal that Revenue Cycle Management has been sued by consumers who felt that their rights were violated during the debt collection process.
Alleged Violations against Revenue Cycle Management
According to PACER, sometime before September 1, 2013, a personal debt that a Hawaii resident had incurred was passed or sold to Revenue Cycle Management for collection. Agency collectors allegedly called his father, they repeatedly tried to collect the consumer’s debt, even though his father was not a co-signer on the account. On at least one occasion he told the collector that the consumer could not be reached at this number, but the calls allegedly continued.
He retained a consumer attorney and sued Revenue Cycle Management for allegedly violating the FDCPA in the following ways:
- Discussing his debt with uninvolved third parties
- Using abusive and harassing means to collect a debt
- Failing to sending a debt validation notice within five days of the first communication
- Harassing him by telephone
The matter was later settled.
Hire an Attorney
The phone number for Revenue Cycle Management is 1-808-447-3232. If this number appears on your caller ID, it means that a debt collector is trying to contact you about a delinquent obligation they have been assigned to collect. If they discuss your debt with uninvolved third parties, hire a consumer attorney who can help you assert your rights in court. You could potentially receive $1,000 per FDCPA violation as well as attorney’s fees, court costs, and any actual damages. No matter how much you owe, you have rights and disregarding them can be an expensive error for any collector to make.
*Case taken from PACER (www.pacer.gov). File number is 1:13-cv-00595-HG-KSC from United States District Court for the District of Hawaii
Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Revenue Cycle Management, or any other third-party collection agency, you may not be entitled to any compensation.