For thousands of Americans, life is a daily ordeal because debt collectors will not leave them alone. They receive rude letters and harassing phone calls at all times of the day and night and even at work.
Although a collection agency may tell you that they have the right to harass you until you pay them, the truth is otherwise.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was passed over 40 years ago to protect indebted consumers from being intimidated and harassed into declaring bankruptcy. Any debt collector that uses these types of actions to make you pay a debt can be charged with violating the FDCPA.
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Calling you at work when they know that such calls violate workplace policy
- Leaving voice messages that do not properly identify them as debt collectors
- Swearing at you
- Threatening to turn up at your home or workplace with court papers
- Discussing your debt with your friends and family
Company Profile: Razor Capital II, LLC
If you are being called by Razor Capital II, LLC, additional information about the company background is below.
Razor Capital II, LLC, is a debt collection agency and debt buyer located in Minneapolis, Minnesota. It was established in 2008, employs 18 people, and is managed by its CEO, Chris Winkler.
Records at the PACER website confirm that consumers who believed they were being harassed by Razor Capital II, LLC went to court to demand compensation.
Alleged Violations against Razor Capital II, LLC,
According to PACER, on or around November 3, 2010, Razor Capital II, LLC sent a collection letter to an Illinois consumer seeking payment for a credit card debt.
On November 29, one of his attorneys contacted the company and directed it to cease contacting him and to cease all further collection activities because he was forced, by his financial circumstances, to refuse to pay the debt.
Despite receiving this letter, Razor Capital II, LLC allegedly had an agent send the consumer another collection letter on May 18, 2017, so his attorney had to send another letter on July 10.
Feeling harassed by Razor Capital II, LLC, the consumer sued the company for allegedly violating his rights in the following ways:
- Contacting him directly although he had legal representation
- Ignoring a cease communications request
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
If they appear on your caller ID, it’s a sign that you are being called by Razor Capital II, LLC. If the agency ignores cease communications letters from your attorney, they’ve gone too far. Hire a consumer lawyer and file a claim against Razor Capital II, LLC.
Collection agencies that violate the FDCPA can be penalized financially and ordered to pay you both statutory damages and legal fees. No matter how a debt collector treats you, never be afraid to fight back.
Case taken from PACER (pacer.gov). File number is Case: 1:17-cv-05459 from the United States District Court for the Northern District of Illinois, Eastern 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 Razor Capital II, LLC, or any other third-party collection agency, you may not be entitled to any compensation.