The average household in the U.S. carries a credit card balance of $15,000. This means that some people are contributing nearly 9% of their income towards paying down the interest alone.
This is difficult enough when you are working full time, but if you lose your job and the debt goes into arrears, debt collectors will soon be calling and, very likely, making things worse for you. However, that’ll only be the scenario if you let them do that to you.
You have legal options available to you if you’re being harassed over your debt—no matter how large it is.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to protect indebted consumers from being abused by third-party collection agencies. This federal law prohibits debt collectors from using tactics like the following to pressure you into paying.
- Swearing and using profane language
- Demanding amounts that exceed the original debt
- Talking to uninvolved parties such as your friends, family, and co-workers about the debt
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Claiming that they will send the police to arrest you if you don’t pay
- Pretending to be members of law enforcement
Company Profile: Rozlin Financial Group, Inc.
If you are being called by Rozlin Financial Group, Inc., information about the company is below.
Rozlin Financial Group, Inc. is a debt collection agency located in Sycamore, Illinois. It was established in 2009, has approximately 11-50 employees, and is managed by its Vice-President, Jason Roozee.
According to court files digitized and archived at the PACER (Public Access to Court Electronic Records) website, many consumers who believed they were being harassed by Rozlin Financial Group, Inc. chose to stand up for themselves instead of backing down.
Alleged Violations against Rozlin Financial Group, Inc.
According to PACER, on September 16, 2014 Rozlin Financial Group, Inc. sent a collection letter to a Pennsylvania resident. He later claimed that the number assigned to his account was visible through the glassine window of the envelope, making personal information visible to anyone who might see it.
Feeling harassed by Rozlin Financial Group, Inc., he hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Allowing personal and confidential information to be publicly visible
- Using an unfair or unconscionable means to attempt to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone number for this debt collection agency is 1-866-217-9080. If you see it on your caller ID when the phone rings, you are being called by Rozlin Financial Group, Inc.
If they send you letters that make your account information visible to outside eyes, gather as much proof as you can, and contact a consumer attorney right away.
Carelessness with personal information violates the FDCPA, and if you file a claim against Rozlin Financial Group, Inc., you may be awarded $1,000 per FDCPA violation. In cases like this, failure to guard your privacy could turn out to be an expensive mistake—for the collectors, not you.
*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 Rozlin Financial Group, Inc. or any other third-party collection agency, you may not be entitled to any compensation.
**Case taken from PACER (www.pacer.gov). File number is Case 3:15-cv-00828-EMK from the United States District Court for the Middle District of Pennsylvania.