Are you being called by Remittance Assistance Corporation?* Here's what you need to know.
Debt collectors often use aggressive and intrusive tactics to collect consumer debts. They will call you at such a frequency that it constitutes harassment, embarrass you by contacting your family friends, and freely employ abusive language. What can you do to make it stop besides declare bankruptcy? Read up on your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) protects consumers from harassment by third-party debt collectors. In effect since 1977, the FDCPA makes it illegal for these collection agencies to use methods like those below to collect money.
- Use profane or obscene language
- Call you at work when your employer does not allow such calls
- Threaten legal actions that they have no intention of taking
- Call at all hours of the day and night
- Demand outrageous amounts that exceed the amount of the original debt
- Report inaccurate information to the credit bureaus
Company Profile: Remittance Assistance Corporation
If you are being called by Remittance Assistance Corporation, information about the company is below.
Remittance Assistance Corporation is a debt collection company located in Reno, Nevada. It was established in 1992, has less than 10 employees, and is managed by its President, David Line. According to civil litigation files retained by the PACER (Public Access to Court Electronic Records) website, people who believed they were being harassed by Remittance Assistance Corporation used the federal courts as a forum for asserting their rights.
Alleged Violations against Remittance Assistance Corporation
According to PACER, on or around March, 2011, Remittance Assistance Corporation began contacting a Nevada resident to collect a medical debt. He insisted that his insurance covered most of the amount allegedly owed, and claimed that he had no idea it was being collected upon or had been reported to the credit agencies until his mortgage lender provided him with a copy of his credit report. He also asserted that Remittance Assistance Corporation had not contacted him prior to reporting the debts to the credit agencies.
Feeling harassed by Remittance Assistance Corporation, he hired a consumer attorney sued the company for allegedly violating the FDCPA in the following ways:
- Failing to send him a debt validation letter
- Communicating incorrect information to the credit bureaus
A judge later ruled in favor of the defendant.
Hire an Attorney
The phone number for this collection agency is 1-775-785-4709. If you see it on on your caller ID when the phone rings, it means that you are being called by Remittance Assistance Corporation. Should they report derogatory information to the credit bureaus without giving you a chance to dispute the debt first, hire a consumer attorney. Such conduct is illegal under the FDCPA, and if you file a claim against Remittance Assistance Corporation, you could potentially win $1,000 per FDCPA violation. No matter how much debt you owe, it has to be collected as the law dictates, or penalties result.
*Case taken from PACER (www.pacer.gov). File number is Case 3:12-cv-00021-LRH-WGC from the United States District Court for the District of Nevada.
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 Remittance Assistance Corporation., or any other third-party collection agency, you may not be entitled to any compensation.