Debt collectors are not legally permitted to pursue debt payments to the point of harassing and bullying consumers but it happens so often that the Federal Trade Commission receives thousands of complaints a year. If you find yourself on the receiving end of such conduct, read on to learn what your options are.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, gives indebted consumers the right to dispute a debt and makes it illegal for third-party debt collectors to use tactics like those below to bully or harass you into paying.
- Calling you before 8:00 a.m. and after 9:00 p.m. your time
- Discussing your debt with anyone except you, your spouse, or your attorney
- Disguising the fact that they are debt collectors trying to collect a debt
- Leaving voice messages that do not identify the collector and the reason for their call
- Refusing or failing the validate the debt
- Swearing, raising their voice, and calling you names
Company Profile: R&R Professional Recovery, Inc.
If you are being called by R&R Professional Recovery, Inc., information about the company is below.
R&R Professional Recovery, Inc. is a debt collection agency located in Pikesville, Maryland. It was established in 2001, has approximately seven employees, and is managed by its President, Max Roye. Litigation files archived at the PACER (Public Access to Court Electronic Records) website confirm that consumers who felt they were being harassed by R&R Professional Recovery, Inc. hired consumer attorneys to protect their rights.
Alleged Violations against R&R Professional Recovery, Inc.
According to PACER, on or around May 26, 2010 R&R Professional Recovery, Inc. allegedly started trying to collect a consumer debt from a Maryland resident. She complained that when she tried to dispute the debt, the collector allegedly told her that it was impossible to do so and threatened to call her daily and report the debt to the credit bureaus until it was paid.
Feeling harassed by R&R Professional Recovery, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Failing to send her a debt validation letter
- Communicating false information to the credit bureaus
The matter was later dismissed.
Hire an FDCPA Attorney
The phone numbers for this debt collection agency are:
If either one ever appears on your caller ID, it’s a sign that you are being called by R&R Professional Recovery, Inc. If they threaten illegal consequences for nonpayment, hire a consumer attorney. Such conduct violates the FDCPA, and if you file a claim against R&R Professional Recovery, Inc., you could be awarded $1,000 per FDCPA violation in addition to court costs and attorney fees. You have rights that you should always be prepared to act upon.
*Case taken from PACER (www.pacer.gov). File number is Case 1:10-cv-02212-RDB from the United States District Court for the District of Maryland.
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&R Professional Recovery, Inc., or any other third-party collection agency, you may not be entitled to any compensation.