The average American household carries a credit card balance of $15,000, suggesting that some some consumers are applying 9% of their income towards paying down the interest alone. This is a difficult practice to maintain, especially if you lose your job. Should this happen, and debt collectors come after you for the balance, you have rights that prohibit mistreatment.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to regulate the professional conduct of third-party collection agencies. It prohibits debt collectors from using tactics like the following to settle a debt.
- Using profane or obscene language
- Telling you that you can be arrested for not paying your debts
- Calling you at work if they know or have reason to know what such calls are not allowed
- Telling your friends and family that you owe money
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Threatening action they cannot legally take or have no intention of taking
Company Profile: R.A. Rogers, Inc.
If you are being called by R.A. Rogers, Inc., information about the company is below.
R.A. Rogers, Inc. is a debt collection agency located in Crofton, Maryland. It was established in 1990, has approximately 15 employees, and is managed by owner Ron Rogers. According to court files digitized and archived at the PACER (Public Access to Court Electronic Records) website, many consumers who believed they were being harassed by R.A. Rogers, Inc. chose to stand up for themselves instead of back down.
Alleged Violations against R.A. Rogers, Inc.
According to PACER, on or about January 20, 2012 an R.A. Rogers, Inc. collector named “Mr. Smith” called the mother of a Washington consumer and told her that her son had a car repossessed and owed for a deficiency and the alleged amount of the deficiency. When she said that she could not be responsible for contacting him, Mr. Smith allegedly became angry and claimed that he was legally allowed to attempt to collect his debt from his mother using her personal information and that he would continue to call her every day until the consumer returned his calls or words to that effect.
On about January 23, 2013, Mr. Smith called the consumer at work and allegedly became aggressive when told that such calls could not be made to a government phone and said he would keep calling him at work and by any other means possible until a payment arrangement was made.
Feeling harassed by R.A. Rogers, Inc., the consumer hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using abusive language
- Discussing his debt with third parties
- Using false, deceptive, and misleading means to collect a debt
- Using an unfair or unconscionable means to attempt to collect a debt
The matter was later dismissed.
Hire an FDCPA Attorney
The phone numbers for this debt collection agency are:
If you see any of them on your caller ID when the phone rings, you are being called by R.A. Rogers, Inc.. If they call you at work, use abusive language, and tell your friends and coworkers about your alleged debt, contact a consumer attorney right away. This style of abusive conduct violates the FDCPA, and if you file a claim against R.A. Rogers, Inc., you may be awarded $1,000 per FDCPA violation. In cases like this, failure to respect your rights could cost a collection agency more than you owe.
*Case taken from PACER (www.pacer.gov). File number is Case 3:13-cv-05042-BHS from the United States District Court for the Western District of Washington at Tacoma.
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 R.A. Rogers, Inc., or any other third-party collection agency, you may not be entitled to any compensation.