If You're getting called by Regional Credit Services, Inc., you may want to learn about your rights.
If you are being hounded by debt collectors, knowing your rights is of paramount importance. Even if you actually owe the money, you don’t have to tolerate abuse, harassment or acts of deception calculated to make you pay.
The collectors may tell you differently, but the truth is that in this situation, the law is on your side.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, clearly states that a third-party debt collector cannot communicate with a debtor in such a way that the communication is tantamount to harassment.
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Trying to collect amounts that exceed the original debt
- Telling your friends, neighbors and co-workers that you owe money and they are trying to collect it from you
- Yelling, swearing, or making threats
- Pretending to be police officers
- Threatening to call the police on you if you don’t pay
Company Profile: Regional Credit Services, Inc.
Regional Credit Services, Inc., which also does business as Rockport Financial, LLC, is a debt collection company located in Washington, Missouri. It was established in 1997, has approximately 10 employees, and is managed by owner Karen Skornia.
Civil litigation records archived at the PACER (Public Access to Court Electronic Records) website suggest that consumers who felt they were being harassed by Regional Credit Services, Inc. dealt with their situation by taking it to court.
Alleged Violations against Regional Credit Services, Inc.
According to PACER, on or about September 22, 2014, Regional Credit Services, Inc. sent a collection letter to a Missouri resident in an attempt to collect a medical debt.
The letter stated in part, that “A $3.00 convenience fee will be added to credit/debit card payments” when, as far as she knew, such convenience fees were illegal.
Feeling harassed by Regional Credit Services, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Collecting an amount not permitted by law or the original creditor agreement
- Using false, deceptive and misleading means to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If either one flashes on your caller ID, it's likely that you are being called by Regional Credit Services, Inc. If they send you a demand letter that includes service fees that you never agreed to, hire a consumer attorney. Padding demand letters in this way is illegal, so if you file a successful claim against Regional Credit Services, Inc., you could win $1,000 per FDCPA violation in addition to related legal costs.
Your attorney can protect your rights while getting you the compensation you deserve.
**Case taken from PACER (www.pacer.gov). File number is Case: 4:15-cv-00306-ERW from the United States District Court for the Eastern District of Missouri, Eastern 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 Regional Credit Services, Inc., or any other third-party collection agency, you may not be entitled to any compensation.