Some people spend nearly 10% of their wages on credit card payments. This is hard financially when you are working, but if you become too sick to work and arrears accumulate, debt collectors will soon be in touch. Some of them will also be less than civil.
Your Rights Under the FDCPA
If a debt collector is harassing you, they’re actually breaking federal law and can be fined or lose their license. The Fair Debt Collection Practices Act, or FDCPA, prohibits abusive tactics like the following when used to collect a debt.
- Calling at inconvenient hours
- Threatening action they are not in a position to legally take
- Contacting you after you have formally requested that all communications cease
- Failing to identify themselves as debt collectors
- Using profane and obscene language
- Discussing the debt with anyone except you, your spouse, or your attorney
Company Profile: Receivables Management Consultants Corporation
If you are being called by Receivables Management Consultants Corporation, more details are below.
Receivables Management Consultants Corporation, which also does business as Revenue Maximization Consultants Corporation, is a debt collection agency located in Mobile, Alabama. It was founded in 2007, has 25 employees, and is managed by Patrick Jouve. Records at the PACER website confirm that consumers who believed that they were being harassed by Receivables Management Consultants Corporation engaged counsel to help them take legal action.
Alleged Violations against Receivables Management Consultants Corporation*
According to information on the PACER website, in or around 2008, Receivables Management Consultants Corporation sued an Alabama consumer to collect a debt. The agency lost the case but continued to report the debt as valid to the credit reporting agencies.
Feeling harassed by Receivables Management Consultants Corporation, the consumer took legal action against the company for:
- Reporting inaccurate information to the credit bureaus
- Using false, deceptive, and misleading means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection company is 1-404-551-5817. Seeing it on your caller ID means that Receivables Management Consultants Corporation is on the line. If you don’t owe them money but they persist in reporting your nonexistent debt to the credit bureaus, hire a consumer lawyer and file a claim against Receivables Management Consultants Corporation. You could be awarded $1,000 per FDCPA violation, plus court costs and reasonable attorney fees, which is a good enough reason to put unethical debt collectors in their place
*Case taken from PACER (www.pacer.gov). File number is Case 4:11-cv-00902-VEH from the United States District Court for the Northern District of Alabama, Middle 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 Receivables Management Consultants Corporation or any other third-party collection agency, you may not be entitled to any compensation.