Are debt collectors constantly threatening to garnish your wages or seize your property if you don’t pay them immediately and in full? If so, they are breaking the law. As a consumer, you have rights that protect you from such mistreatment, no matter how much money you owe.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects indebted consumers from being deceived, intimidated, and otherwise mistreated by third-party debt collectors. Collection actions like those below are illegal when used to pressure you into paying a debt.
- Swearing, yelling, and calling you names
- Telling your friends, neighbors, and co-workers that you owe money
- Contacting you after you have formally requested that all communications cease
- Failing or refusing to identify themselves as debt collectors
- Demanding amounts not supported by the law or the original creditor agreement
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
Company Profile: Real Time Resolutions, Inc.
If you are being called by Real Time Resolutions, Inc., information about the company is below.
Real Time Resolutions, Inc. is a financial and debt collection company located in Dallas, Texas. It was established in 2000, has approximately 350 employees, and is managed by its President, Christopher Gramlich. According to its website, the company specializes in commercial, mortgage, auto, student, credit card, and other consumer loans. Civil litigation records retained by the PACER (Public Access to Court Electronic Records) website reveal that high numbers of consumers who felt they were being harassed by Real Time Resolutions, Inc. challenged all payment demands in court.
Alleged Violations against Real Time Resolutions, Inc.
According to PACER, on or around November 1, 2012, a Las Vegas couple pulled their credit reports after applying for a mortgage loan. They saw that Real Time Resolutions, Inc. was reporting a debt originally owed to Bank of America, which had been charged off sometime in 2009. According to the information submitted to the credit bureaus, the debt was still active, causing the couple to be turned down for a loan.
Feeling harassed by Real Time Resolutions, Inc., they hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Reporting inaccurate information to the credit bureaus
- Using false, deceptive and misleading means to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If you see any of these numbers on your caller ID when the phone rings, it means that you are being called by Real Time Resolutions, Inc.. If they report inaccurate information to the credit bureaus which causes you to lose access to credit, hire a consumer attorney who can help you assert your rights in court. If you file a claim against Real Time Resolutions, Inc., you could potentially be awarded $1,000 per FDCPA violation plus reasonable court and legal costs. Fighting back when debt collectors cross the line can turn out to be a smart decision.
*Case taken from PACER (www.pacer.gov). File number is Case 3:13-cv-02881-B from the United States District Court for the Northern District of Texas, Dallas 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 Real Time Resolutions, Inc., or any other third-party collection agency, you may not be entitled to any compensation.