Debt collectors have one ambition: To get you to pay your debt as quickly as possible. Their strategies can often include harassment and threats, so it is important that you understand your rights as a consumer, as well as how to make the ruthless collectors stop.
Your Rights Under the FDCPA
Although the Fair Debt Collection Practices Act requires third party debt collectors to treat consumers professionally and with respect, hundreds of complaints are made to the Federal Trade Commission every year because they use pressure tactics like the following to make people settle their debts.
- Swearing, yelling, and using obscene language
- Telling your friends, coworkers, and neighbors that they’re trying to collect a debt from you
- Demanding amounts that are not supported by law or the original creditor agreement
- Calling you outside of the hours of 8:00 a.m. to 9:00 p.m. in your time zone
- Discussing the debt with your friends and family
- Claiming to be law enforcement officers to scare you into paying
Company Profile: R.M. Galicia, Inc.
If you are being called by R.M. Galicia, Inc. information about the company is below.
R.M. Galicia, Inc., which also does business as Progressive Management Systems, is a collection agency located in West Covina, California. It was established in 1978, has 125 employees, and is managed by its CEO, Rita Galicia. According to records on file at the PACER (Public Access to Court Electronic Records) website, many consumers who believed they were being harassed by R.M. Galicia, Inc. filed lawsuits to assert their rights.
Alleged Violations against R.M. Galicia, Inc.
According to PACER, on or about March 21, 2011, a Michigan resident sent, through his power of attorney, a letter to R.M. Galicia, Inc. demanding validation of a debt they were trying to collect from him. The following October, he also faxed the company a letter ordering it to stop contacting him, but soon afterwards, R.M. Galicia, Inc. allegedly called him once more.
Feeling harassed by R.M. Galicia, Inc., he hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using unfair or unconscionable means to collect a debt
- Contacting him after he had faxed a cease communications request
The matter was later dismissed.
Hire a Creditor Harassment Attorney
The phone number for this collection agency is 1-626-813-6200. If it appears on your caller ID when the phone rings, it means that you are being called by R.M. Galicia, Inc.. If they persist in trying to contact you after you have sent a cease communications request, hire a consumer attorney.
If you file a claim against R.M. Galicia, Inc. with your attorney’s help and win, you could be awarded $1,000 per violation as well as attorney’s fees, court costs, and any actual damages. Standing up for yourself against an unethical debt collector could literally pay off.
*Case taken from PACER (www.pacer.gov). File number is Case 1:11-cv-01267-RJJ from the United States District Court for the Western District of Michigan.
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.M. Galicia, Inc., or any other third-party collection agency, you may not be entitled to any compensation.