Is Receivables Management Solutions, Inc. calling you? Here's what you need to know:
Are you receiving calls and letters from a debt collector? You may be stressed and embarrassed, but you’re not alone: millions of Americans have some type of debt in collections, with the average amount being around $5,000. While trying to collect the debt is legal, harassing you and using deceptive tactics to get you to pay is not.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA), which was enacted by Congress in 1977 after debt collector behavior was connected to a rise in personal bankruptcies, protects indebted consumers from unfair and abusive collection practices like those below:
- Using profane and abusive language
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Threatening to have you arrested if you don’t pay immediately
- Calling you at work after you indicate that your employer does not allow personal calls
- Refusing or failing the validate the debt
- Talking to your friends and neighbors about the debt
Company Profile: Receivables Management Solutions, Inc.
Receivables Management Solutions, Inc. is a collection agency located in St. Paul, Minnesota. It was established in 1996, has a workforce of 50 to 99 employees, and is managed by its owner, Robert C. Dunham. A review of records archived at the PACER (Public Access to Court Electronic Records) website confirms that Receivables Management Solutions, Inc. has been accused of collecting debts in a way that violates the FDCPA.
Alleged Violations against Receivables Management Solutions, Inc.
According to PACER, in late 2009 or early 2010, a Colorado resident started getting calls from Receivables Management Solutions, Inc. collectors. After she disputed the debt, they allegedly continued to call and threaten to take her to court, garnish the wages of her husband and mother, and get her husband in trouble at work.
She reacted to the alleged threats by hiring a consumer attorney and filing a lawsuit that accused Receivables Management Solutions, Inc. of the following FDCPA violations:
- Using unfair and unconscionable means to collect a debt
- Leaving voice messages that failed to identify the caller or their purpose
- Harassing her while attempting to collect a debt
- Using false, deceptive and misleading means to collect a debt
The matter was later settled.
Hire an Attorney
The phone number for Receivables Management Solutions, Inc. is 1-651-457-1130. If your phone rings and this number appears on your caller ID, it means that a collection agent is trying to contact you.
If they indulge in bullying and legally insupportable tactics to frighten you into paying, hire a consumer attorney immediately. He or she can deal with Receivables Management Solutions, Inc. on your behalf and represent you if you decide to sue. If you win your case, you could be awarded $1,000 per FDCPA violation as well as attorney's fees, court costs, and any actual damages. Although Receivables Management Solutions, Inc. may try to convince you otherwise, harassing consumers is against the law and ignoring that fact could cost them.
*Case taken from PACER (www.pacer.gov). File number is 1:10-cv-00928-DME-KLM from United States District Court, for the District of Colorado
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 Solutions, or any other third-party collection agency, you may not be entitled to any compensation.