Are debt collectors harassing you day and night by leaving messages demanding payment? Knowing how to deal with a collection agency when they behave in this manner can prevent you from making decisions you could regret later.
Your Rights Under the FDCPA
In September 1977 Congress passed the Fair Debt Collection Practices Act, or FDCPA. It regulates what debt collectors may do and say and prohibits harassing and deceptive tactics like those below.
- Calling you at inconvenient times and places
- Trying to collect after you have formally disputed a debt
- Failing to identify themselves as debt collectors seeking to collect a debt
- Telling your friends, neighbors, and co-workers that you owe a debt
- Using profane and abusive language
- Demanding outrageous ‘fees’ in addition to the original debt
Company Profile: RPS Companies
If you are being called by RPS Companies, a firm overview is below.
RPS Companies, which also does business as Collection Agency, MD is a debt collection agency in Orlando, Florida. It was founded in 2007, has five employees, and is managed by William Ficka. It is also advertised as a financial services company. Legal records maintained by the PACER website indicate that those who believed that they were being harassed by RPS Companies hired a lawyer to help them take action.
Alleged Violations against RPS Companies
According to PACER, on or around October 29, 2009, RPS Companies sent a collection letter to a Florida consumer seeking payment for a medical debt. It was followed by a second letter on November 30, this one including the statement “Unless you remit the amount owed by the above deadline, be prepared to be served with a legal summons and complaint for a court appearance as defendant in this action against you.” A third letter, mailed on December 11, demanded payment “tomorrow.”
Feeling harassed by RPS Companies, the consumer took the company to court for:
- Using false, deceptive, and misleading means to compel payment
- Threatening legal action it did not intend to take
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection agency is 1-407-999-4941. If it suddenly appears on your caller ID, RPS Companies is trying to collect a debt from you and may not be civil about it. If they send collection letters full of legal threats, hire a consumer lawyer and file a claim against RPS Companies. If you win, you could be awarded $1,000 per FDCPA violation, so don’t let a debt collector make you feel ashamed or intimidated. Fight back instead.
*Case taken from PACER (pacer.gov). File number is Case 8:10-cv-02229-SDM-AEP from the United States District Court for the Middle District of Florida, Tampa 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 RPS Companies or any other third-party collection agency, you may not be entitled to any compensation.