If you’re getting calls from Receivable Solutions Specialists, Inc., you may want to know what creditor harassment is.
If you are dealing with a collection agency, it is important to know what they can and cannot do when communicating with you about the debt.
If they threaten you or otherwise behave in ways that violate the law, you can file a complaint with the Consumer Financial Protection Bureau or the Federal Trade Commission (FTC), or even hire a consumer attorney and sue the collector yourself.
Your Rights Under the FDCPA
As a consumer you are protected Fair Debt Collection Practices Act, or FDCPA, which limits what debt collectors may say and do during the process of collecting a debt.
Below are some collection tactics that are illegal under the FDCPA.
- Calling at unreasonable and inconvenient hours
- Threatening action they are not in a position to legally take, such as having you arrested or jailed for nonpayment
- Contacting you after you have formally requested that all communications cease
- Calling you constantly every day
- Pretending to be police officers, government officials, or any other law enforcement figure
- Using profane and obscene language
Company Profile: Receivable Solutions Specialists, Inc.
Receivable Solutions Specialists, Inc. is a debt collection company located in Natchez, Mississippi. It was established in 2001, has approximately 23 employees, and is managed by its President, Bruce W. Brice.
Digitized court files viewable at the PACER (Public Access to Court Electronic Records) website indicates that some consumers who believed they were being harassed by Receivable Solutions Specialists, Inc. went to court to stand up for their rights.
Alleged Violations by Receivable Solutions Specialists, Inc.
Kristy Diaz vs. Receivable Solutions Specialists, Inc. et al**
According to PACER, a New Jersey resident discovered that Receivable Solutions Specialists, Inc. was reporting an alleged debt to the credit bureaus.
She sent the agency a dispute letter on February 17, 2016, but when she examined her credit report again on May 31, 2016 she found that Receivable Solutions Specialists, Inc. had re-reported the account in March, after her letter was received, and failed to list it as ”disputed by consumer” despite being required to do so by the FDCPA.
Feeling harassed by Receivable Solutions Specialists, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Failing to report the debt as disputed
- Using harassing and abusive means to collect a debt
- Using unfair or unconscionable means to collect a debt
- Using false, deceptive and misleading means to collect a debt
The case was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are:
If you see either number on your caller ID when the phone rings, it means that you are being called by Receivable Solutions Specialists, Inc. If you report a debt as disputed and they fail to relay that information to the credit bureaus, hire a consumer attorney who can help you file a claim against Receivable Solutions Specialists, Inc.
If you win your suit, you could potentially be awarded $1,000 per FDCPA violation, so if a collection agency conveniently forgets that you have rights, let the law help you remind them.
**Case taken from PACER (www.pacer.gov). File number is Case 2:16-cv-04584-SDW-SCM from the United States District Court for the District of New Jersey.
*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 Solutions Specialists, Inc., or any other third-party collection agency, you may not be entitled to any compensation.