Are you being called by RC Services, Inc.?* Here's what you need to know
The Consumer Financial Protection Bureau constantly receives complaints about debt collectors and their alleged misconduct. Some consumers complain of being threatened while others claim that they are being asked to pay someone else’s debt. If you find yourself in such a situation, know your rights.
Your Rights Under the FDCPA
In 1977 Congress passed the Fair Debt Collection Practices Act, or FDCPA, which set guidelines for third-party collection agency conduct and prohibited them from using harassing or deceptive tactics to collect a consumer debt.
- Calling you constantly every day
- Pretending to be police officers, government officials, or any other law enforcement figure
- Demanding amounts not supported by law or the original creditor agreement
- Disguising the fact that they are debt collectors trying to collect a debt
- Using profane and obscene language
- Reporting false information to the credit bureaus
Company Profile: RC Services, Inc.
If you are being called by RC Services, Inc., information about the company is below.
RC Services, Inc. is a debt collection company located in Mercer Island, Washington. It was established in 1993, has less than 20 employees, and is managed by its President, Bruce Caplin. Its primary focus is the collection of outstanding student loans. A review of litigation records retained at the PACER (Public Access to Court Electronic Records) website confirms that consumers who felt they were being harassed by RC Services, Inc. stood firm and refused to pay.
Alleged Violations against RC Services, Inc.
According to PACER, a Washington resident gave RC Services, Inc. a series of postdated checks to cover his daughter’s debt. The first one was scheduled to be cashed on May 6, 2004, but the company allegedly deposited it on May 3, causing his account to become overdrawn.
Feeling harassed by RC Services, Inc., he hired a consumer attorney and sued the company for allegedly violating the FDCPA by using unfair and unconscionable means to collect a debt.
The matter was later dismissed.
Hire an Attorney
The phone number for this debt collection agency is 1-206-232-1040. If you see it on your caller ID at any time, it means that you are being called by RC Services, Inc.. If they fail to honor a payment arrangement after it is made hire a consumer attorney. If you file a claim against RC Services, Inc., you may be awarded $1,000 per FDCPA violation plus attorney's fees and applicable court costs, so in this case their presumption can cost them a lot.
*Case taken from PACER (www.pacer.gov). File number is Case 2:04-cv-02060-JCC from the United States District Court for the Western District of Washington.
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 RC Services, Inc., or any other third-party collection agency, you may not be entitled to any compensation.