It’s one thing to call and remind you that you missed a payment on your Visa or MasterCard. It’s another to leave hostile voice messages, threatening lawsuits and exposure as a debtor.
The problem is that collection agencies can be ruthless, and they don’t always stop the harassment before you pay or declare bankruptcy. Fortunately, you have legal protection in these situations.
How Your Rights Fall Under the FDCPA
Congress enacted the Fair Debt Collection Practices Act, or FDCPA, in 1978 to respond to the increase in bankruptcy filings connected to aggressive debt collection practices. Today, collection strategies like those below can get a company shut down.
- Communicating false information about a consumer’s credit
- Falsely representing the character, amount and status of the debt
- Threatening legal action when none is intended
- Pretending to be law enforcement
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Screaming at you and using obscenities
Company Profile: RCC Services, LLC
If RCC Services, LLC is calling you, here are some details about the company.
RCC Services, LLC is a debt collection office located in Fort Thomas, Kentucky. It was established in 2012, has a smaller staff, and is managed by CEO Kevin Welsch. The company has a B rating with the Better Business Bureau.
A review of litigation records at the PACER website indicates that people who believed they were being harassed by RCC Services, LLC filed lawsuits to demand compensation.
Alleged Violations against RCC Services, LLC
According to PACER, in July 2013, RCC Services, LLC started contacting a Virginian consumer regarding a debt allegedly owed to a fitness facility. This debt had been included in an earlier bankruptcy, so she directed her attorney to sent relevant paperwork to the agency.
The next day, a debt collector called her, allegedly stated that the debt was still valid, and told her that if she did not pay, a lawsuit would be filed against her the next day, when no lawsuit ever transpired.
Feeling harassed by RCC Services, LLC, the woman hired a consumer lawyer and sued the firm for allegedly violating the FDCPA by:
- Using abusive and harassing means to collect a debt
- Using false, deceptive, or misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
- Threatening legal action it had no intention of taking
- Attempting to collect an amount not supported by law or the original creditor agreement
A judge awarded her $5,319.86 in statutory damages, attorney’s fees, and costs.
Hire a Consumer Lawyer
The phone number for RCC Services, LLC is 1-800-593-1913. If you see it on your caller ID at home or work, it means that RCC Services, LLC is calling. If they try to bully you into paying a debt that was discharged in an earlier bankruptcy, contact a consumer lawyer to discuss your options.
If you file a claim against RCC Services, LLC and win, the court may impose statutory damages of up to $1,000, plus attorney fees and court costs. When you fight back, debt collectors who violate the FDCPA may face fines and penalties that hurt their bottom line.
Case taken from PACER (pacer.gov). File number is Case 3:13-cv-00670-REP from the United States District Court for the Eastern District of Virginia.
*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 RCC Services, LLC or any other third-party collection agency, you may not be entitled to any compensation.