Debt collectors are not legally permitted to harass people over a debt, but it happens so often that the Federal Trade Commission receives thousands of complaints every year. If you are being targeted by an over-aggressive collection agency, read on to learn what your options are.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to protect consumers from being abused by collection agencies. This federal law prohibits debt collectors from using tactics like the following to stress you into paying.
● Using profane or obscene language
● Demanding payment for a debt discharged in bankruptcy
● Adding illegal service fees to the original debt
● Calling at inconvenient times
● Calling you at work if they know that such calls are not allowed
● Leaving voice messages that do not identify them as debt collectors
Company Profile: R&B Corporation of Virginia
If you are being called by R&B Corporation of Virginia, an agency background is below.
R&B Corporation of Virginia, which also does business as Credit Control Corporation, is a collection agency in Newport News, Virginia. It was incorporated in 2004, has 16 employees, and is managed by James Bayne. An inspection of legal records at the PACER website shows that those who felt they were being harassed by R&B Corporation of Virginia did not hesitate to go to court.
Alleged Violations against R&B Corporation of Virginia
According to PACER, on or around August 1, 2018, the attorney for an Indiana consumer wrote to R&B Corporation of Virginia to dispute a debt that he saw on his credit report. The following October, the consumer checked his credit report and saw that the debt was still there and not reported as disputed.
Feeling harassed by R&B Corporation of Virginia, he sued the agency for:
● Using misleading means to collect a debt
● Communicating inaccurate information to the credit bureaus
● Using unfair and unconscionable means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
Whenever you see them on your caller ID, R&B Corporation of Virginia is on the line. If they don’t report a debt as disputed and impact your access to credit, get a free evaluation from a consumer lawyer and file a claim against R&B Corporation of Virginia. You could receive $1,000 per FDCPA violation as compensation for a wilful infringement on your rights. When debt collectors disregard them, they do so at considerable cost.
*Case taken from PACER (www.pacer.gov). File number is Case 3:18-cv-00844-JD-MGG from the United States District Court for the Northern District of Indiana, South Bend Division.
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&B Corporation of Virginia or any other third-party collection agency, you may not be entitled to any compensation.