Last April, NBC News reported the results of a survey from the National Foundation for Credit Counseling. It claimed that 25% of consumers aren’t able to pay their bills on time, and 8% have seen those bills go into collections.
If other statistics are accurate, not all of them will be treated ethically or fairly by debt collectors.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was specifically designed and passed to protect consumers from being mistreated by third-party collection agencies. It imposes stern penalties on companies that try to collect debts by:
- Calling you outside the hours of 8:00 a.m. and 9:00 p.m
- Sending pre-recorded calls to your cell phone.
- Continuing to call after you tell them to stop
- Failing to advise the credit reporting agencies that you dispute a debt
- Talking to your friends and family and telling them about your debt
- Going after debts that were discharged in an earlier bankruptcy
Company Profile: RAB, Inc.
If you are being called by RAB, Inc., here is some background information on the company.
RAB, Inc. is a debt collection agency in Plano, Texas. It was opened in 1971 has 20 to 49 employees, and is now managed by President and CEO Rick Saffer, after Credit Control, LLC acquired the company in August 2018.
The PACER website’s holdings included litigation records indicating that consumers who felt they were being harassed by RAB, Inc. took their case to an attorney.
Alleged Violations against RAB, Inc.
According to PACER, in November 2013, RAB, Inc. sent a collection email to the employer of a Florida consumer who allegedly owed a mortgage deficiency balance after his home was foreclosed on. The email went to a general mailbox, so the consumer’s coworkers read it, causing him great embarrassment.
Feeling harassed by RAB, Inc., he engaged the services of a consumer lawyer and sued the firm for:
- Making details about his debt known to third parties
- Using harassing and abusive means to collect a debt
- Failing to identify itself as a debt collector in all communications
- Using unfair and unconscionable means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for RAB, Inc. are:
Their appearance on your caller ID means that RAB, Inc. is trying to contact you. If they violate your privacy by communicating with your employer for any reason other than location verification, hire a consumer lawyer and file a claim against RAB, Inc.
Their mistake can cost them $1,000 per FDCPA violation in addition to your attorney costs, so a debt collector assumes you have no rights, let legal action remind them.
Case taken from PACER (pacer.gov). File number is Case 9:13-cv-81213-KAM from the United States District Court for the Southern District of Florida.
- Has a Debt Collector Used Profane Language?
- Has a Debt Collector Asked You to Pay More Than What You Owe?
*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 RAB, Inc. or any other third-party collection agency, you may not be entitled to any compensation.