Is Regal Collections, Inc. Calling You?*

Is Regal Collections, Inc. calling you?* Here’s what you need to know?

Indebted consumers are regularly subjected to the following by debt collectors: threats, constant phone calls, and embarrassing public disclosures. Many people declare bankruptcy to stop the harassment, unaware that the law protects them from such predatory behavior.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, protects indebted consumers from harassment by third-party collection agencies. These companies are prohibited from using tricks and tactics like the following to make you pay:

• Calling you at an inconvenient time, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
• Yelling, swearing, and making threats
• Pretending to be attorneys or police officers
• Calling you at work after you tell them that you can’t talk to them there
• Discussing the debt with uninvolved third parties like your friends, family and neighbors
• Making threats they have no intention of following up on, such as seizing your house or having you arrested

Company Profile: Regal Collections, Inc

Regal Collections, Inc. is a debt collection agency located in Fair Lawn, New Jersey. The business claims to have over 30 years of experience, yet there is no establishment date to be found. It was has fewer than 10 employees, and is managed by Annette Wanamaker. Records on file at the PACER (Public Access to Court Electronic Records) website reveal that Regal Collections, Inc. has been accused of illegal debt collection practices under the FDCPA.

Alleged Violations against Regal Collections, Inc.

According to PACER, in March of 2014, Regal Collections, Inc began calling a New Jersey Resident in an attempt to collect an alleged debt. She later alleged that the company called her at an excessive and harassing rate, placing four to five calls per day. On one occasion, Regal allegedly called her before 8 a.m. and threatened to file a legal action against her if the debt was not paid immediately. When Regal failed to inform the consumer of her rights by written correspondence within five days after the initial contact, she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:

• Contacting her before 8:00 a.m. and after 9:00 p.m.
• Engaging in behavior the natural consequence of which was to harass, oppress, or abuse her
• Using false, deceptive, or misleading representation in connection with the collection of a debt.
• Causing her phone to ring repeatedly and engaging her in telephone conversations, with the intent to annoy and harass her
• Misrepresenting the character, amount or legal status of the debt
• Threatening to take action that could not legally be taken
• Using unfair and unconscionable means to collect a debt
• Failing to send her a debt validation letter within five days of its initial contact with her

The matter was later dismissed.

Hire an Attorney

The phone numbers for Regal Collections, Inc. are:

• 1-201-791 8866
• 1-800-253-4869

If you see either of these numbers on your caller ID when the phone rings, a debt collector is on the line. If they call you constantly and threaten legal action if you don’t pay, hire a consumer attorney. If you decide to sue, you could potentially win $1,000 per FDCPA violation as well as attorney’s fees, court costs, and any actual damages, so don’t hesitate to take advantage of the rights that the law gives you.

*Case taken from PACER (www.pacer.gov). File number is Case 2:14-cv-03755-WJM-MF 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 Regal Collections, Inc. or any other third-party collection agency, you may not be entitled to any compensation.