In these difficult times, even the most financially responsible person can run into problems staying current with their debts. When this happens, a collection agency may be hired to collect any arrears. While collecting debt is legal, no company can bully, harass, or manipulate you into paying.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to address abusive debt collection practices. It defines your rights, imposes guidelines for debt collector conduct, and prescribes penalties for violations like those below.
- Harassing you by phone (calling and hanging up)
- Adding illegal service fees to the original debt
- Harassing you over a debt that isn’t yours
- Using an autodialer to call you
- Threatening legal actions it has no intention of taking
- Demanding payment for a debt discharged in bankruptcy
Company Profile: RCS Centre Corp.
If you are being called by RCS Centre Corp., here are some additional company details.
RCS Centre Corp., which also does business as Global Vantedge, is a debt collection agency in Larkspur, California. It opened for business in 2001, has over 1,000 employees, and is managed by its CEO, Dennis Sholl. Files archived at the PACER website indicate that people who felt that they were being harassed by RCS Centre Corp. chose to sue.
Alleged Violations against RCS Centre Corp.**
According to information on the PACER website, in or about July 2008, RCS Centre Corp. started contacting a Pennsylvania consumer to collect a debt. She complained that she received 10 to 14 calls a day, and that collectors left voice messages like “Lisa, I know you are there. Pick up” or “We know you work until 5:30 p.m. We will call your neighbors if you don’t call back.”
The consumer claimed that RCS Centre Corp. actually called her elderly neighbors on a number of occasions. She added that she provided the company with her home telephone number, because the cell phone it called was not hers. She was allegedly told, “We know you lied to us. That is your cell phone number and we will keep calling it.”
Feeling harassed by RCS Centre Corp., the consumer sued the agency for:
- Using false, deceptive, and misleading means to collect a debt
- Using harassing and abusive means to collect a debt
- Making her debt information available to third parties
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If any of them appear on your caller ID, it means that RCS Centre Corp. is trying to connect with you. If they use abusive language and contact your neighbors to embarrass you, hire a consumer lawyer and file a claim against RCS Centre Corp. You could be awarded statutory damages and attorney fees if you win your case, so when a collection agency makes your life miserable, let your next call be to a lawyer.
**Case taken from PACER (pacer.gov). Case 2:08-cv-03493-RB from the United States District Court for the Eastern District of Pennsylvania.
*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 RCS Centre Corp. or any other third-party collection agency, you may not be entitled to any compensation.