It’s hard when debt collectors are calling every day, always demanding payments you can’t afford. If the frequency of contact becomes extreme, you may even start contemplating bankruptcy. While this can be a solution, it isn’t the only one if your goal is to make the calls stop.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protected consumers by preventing third-party debt collectors from using methods like those below to collect debt payments from you. If they do, you have options that include suing the agency.
● Using profane and obscene language
● Persisting in trying to collect a disputed debt
● Reporting incorrect information to the credit bureaus
● Raising their voice and making threats
● Calling anyone except you, your spouse, or attorney about the debt
● Using an autodialer to call you
Company Profile: Rapid Recovery Solutions
If you are being called by Rapid Recovery Solutions, a company overview is below.
Rapid Recovery Solutions, which also does business as RRS is a collection agency in Bohemia, New York. The company opened for business in 1999, has 102 employees, and is managed by John Monderine. It has an F rating with the Better Business Bureau. Records maintained at the PACER website shows that those who felt that they were being harassed by Rapid Recovery Solutions took legal action.
Alleged Violations against Rapid Recovery Solutions*
According to PACER, in or around mid-2010, Rapid Recovery Solutions began calling a California consumer to collect a medical debt. She claimed that it had been incurred due to fraud and refused to pay. The collectors then allegedly became abusive and one caller even allegedly left a voicemail stating that they would “play hardball with her until she paid the debt.”
Feeling harassed by Rapid Recovery Solutions, the consumer hired a lawyer and sued the company for allegedly:
● Using profane language
● Harassing her by phone
● Threatening legal action it had no intention of taking
● Threatening to report false information to the credit bureaus
The matter ended up being settled.
Hire a Consumer Lawyer
The phone number for Rapid Recovery Solutions is 1-631-776-8109. If you ever see it on your caller ID, it means that Rapid Recovery Solutions is on the line. If they use threatening and abusive language when you deny owing the debt, hire a consumer lawyer and file a claim against Rapid Recovery Solutions. You could potentially receive $1,000 per violation as well as attorney's fees, legal costs, and any actual damages. Never let a debt collector mistreat you when you know you have rights.
*Case taken from PACER (www.pacer.gov). File number is Case 2:10-cv-02556-MMM-E from the United States District Court for the Central District of Colorado, Western 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 Rapid Recovery Solutions or any other third-party collection agency, you may not be entitled to any compensation.