You can fight back against creditor harassment. Read on to find out what to do if River City Service Bureau is harassing you!
Most of us carry a credit card or student loan balance. It’s a routine obligation that can turn into a nightmare if we are laid off or become too sick to work, leaving us unable to even make the minimum payments.
Once these accounts are delinquent by a certain number of months, your creditors will probably assign them to debt collectors for retrieval.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that regulates what debt collectors can say or do while attempting to collect a debt. Unethical and abusive pressure tactics like those below are illegal.
- Using profane and obscene language
- Contacting your at work after learning that the employer does not permit such calls
- Reporting false information to the credit bureaus
- Demanding amounts that are not supported by law or the original creditor agreement
- Calling you at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. your time
- Threatening legal actions they cannot take or have no intention of taking
Company Profile: River City Service Bureau
If you are being called by River City Service Bureau, information about the company is below.
River City Service Bureau is a debt collection company located in Carmichael, California. It was established in 2009, has less than 10 employees, and is managed by its CEO, Courtney Aye.
According to digitized litigation files at the PACER (Public Access to Court Electronic Records) website, people who believed that they were being harassed by River City Service Bureau refused to be pushed into payments they could not afford.
Alleged Violations against River City Service Bureau
According to PACER, in or around early 2009, River City Service Bureau allegedly sent a collection letter to a California resident, demanding payment within 10 days although such a time frame overshadowed the dispute period.
She also complained that collectors threatened to destroy her credit unless she paid.
If a debt collector has threatened similar actions against you, you may want to read our page on the matter:
Has a debt collector ever reported false information on your credit report?
Feeling harassed by River City Service Bureau, she hired a consumer attorney and sued the company for allegedly violating the FDCPA by:
- Threatening to destroy her credit if she didn’t pay
- Using false, deceptive, and misleading means to collect a debt
- Demanding payment under conditions that violated her dispute rights.
The matter was later settled.
Hire an Attorney
The phone number for this debt collection agency is 1-916-972-1448. If it appears on your caller ID at any time, it means that you are being called by River City Service Bureau. If they threaten to permanently ruin your credit if you don’t pay, or send you a note summarizing collections that doesn't comply with the FDCPA, contact a consumer attorney right away.
If you decide to file a claim against River City Service Bureau with your attorney’s help, you could be awarded $1,000 per FDCPA violation, so if a debt collector tries to intimidate you, act on your rights and fight back.
**Case taken from PACER (www.pacer.gov). File number is Case 8:09-cv-00821-CJC-AN from the United States District Court for the Central District of California, Southern 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 River City Service Bureau or any other third-party collection agency, you may not be entitled to any compensation.