Are you being called by Receivable Recovery Services, LLC?* Here's what you need to know
When financial setbacks have a negative effect on your ability to pay your debt, creditors who are not willing to work with you will turn your accounts over to third-party debt collectors, who will call, send letters, and demand payment. If they are rude or intrusive, understanding your rights is an essential first step in fighting back.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) prohibits third-party debt collectors from harassing consumers into paying a debt. Tactics like the following are illegal and can result in expensive fines:
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Trying to collect an amount that is not authorized by law or the original creditor agreement
- Telling you that you can be arrested for not paying your debts
- Making threats they have no intention of following up on, such as garnishing your wages or suing you
- Shouting and using profanities
- Reporting false information to the credit bureaus
Company Profile: Receivable Recovery Services, LLC
Receivable Recovery Services, LLC is a collection agency located in Metairie, Louisiana. It was founded in 1994, has 30 employees, and is managed by its President, Joseph Messina. The company advertises itself as the premier debt collection agency in the Gulf South Region. Digitized litigation records viewable at the PACER (Public Access to Court Electronic Records) website indicates that consumers who believed they were being harassed by Receivable Recovery Services, LLC filed lawsuits demanding compensation.
Alleged Violations against Receivable Recovery Services, LLC
According to PACER, on or around December 16, 2015, Receivable Recovery Services, LLC sent a collection letter to a Georgia resident. The second part of the letter stated, “We must have your check for the below amount in our office within 10 days of the date of this letter. If our client decides to pursue litigation and a judgment is obtained against you, we will ask the court to add our court costs to such judgment.”
Although litigation was threatened, it never transpired. The letter was also signed by an attorney named Claude Aucoin, who was not licensed in the state of Georgia.
Feeling harassed by Receivable Recovery Services, LLC, the plaintiff hired a consumer attorney and sued the agency for allegedly violating the FDCPA in the following ways:
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
- Threatening legal actions it had no intention of taking
The matter was later dismissed.
Hire an Attorney
The phone numbers for Receivable Recovery Services, LLC are:
If either of these numbers appear on your caller ID, be aware that you are being called by Receivable Recovery Services, LLC. If they threaten you with legal action that never comes to pass. If you file a claim against Receivable Recovery Services, LLC and win, you could be awarded $1,000 per FDCPA violation in addition to court costs and attorney fees. When debt collectors abuse your rights, fighting back is in your best interests.
*Case taken from PACER (www.pacer.gov). File number is Case 1:16-cv-04622-CAP from the United States District Court for the Northern District of Georgia, Atlanta 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 Receivable Recovery Services, LLC, or any other third-party collection agency, you may not be entitled to any compensation.