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By Contributing Author: Sergei Lemberg Updated on

Are You Being Called By RRCA Accounts Management, Inc.?*

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Debt collectors have a reputation for deceiving and harassing the people they are trying to collect money from. It’s a situation that people who have already experienced an adverse condition such as job loss, illness, or injury often find intolerable.

If this happens to you, be aware that you have rights that protect you from abuse and malicious conduct.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that makes it illegal for collectors to use abusive or deceptive means to collect a debt. If the agency you’re dealing with does any of the following, they are breaking the law and can be sanctioned.

  • Calling you at work after you’ve told them that you aren’t allowed to talk to them there
  • Calling at all hours of the day and night
  • Telling you that you can be jailed for fraud or a related crime if you don’t pay
  • Refusing to validate the debt and prove that they are authorized to collect it
  • Using profane or obscene language
  • Telling your friends, neighbors, and co-workers that you owe money

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Company Profile: RRCA Accounts Management, Inc.

If you are being called by RRCA Accounts Management, Inc., information about the company is below:

RRCA Accounts Management, Inc. is a debt collection company located in Sterling, Illinois. It was established in 1979, has approximately 10 employees, and is managed by its President, Kevin Heller.

According to civil litigation records archived at the PACER (Public Access to Court Electronic Records) website, many consumers who believed they were being harassed by RRCA Accounts Management, Inc. filed lawsuits seeking compensation for the mistreatment.

RRCA Accounts Management, Inc.

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Alleged Violations against RRCA Accounts Management, Inc.

In late April of 2016, an Illinois resident received a collection letter from RRCA Accounts Management, Inc. attempting to collect a disputed medical debt.

On June 1, she received a summons and complaint from from the agency to appear in the Circuit Court of the Fourteenth Judicial Circuit in Whiteside County on June 21, 2016. An attorney’s contact information was listed on the bottom of the summons, but when she called it, RRCA Accounts Management, Inc. representatives answered.

Between June 21, 2016 and July 26, 2016, she communicated with a Mr. Mellot, attorney for RRCA Accounts Management, Inc. She later claimed that at no time when he initiated phone contact with her.

Feeling harassed by RRCA Accounts Management, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA by using unfair and unconscionable means to collect a debt.

The matter was later settled.

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Hire an Attorney

The phone number for this collection firm is 1-815-626-6060. If it appears on your caller ID when the phone rings, it means that you are being called by RRCA Accounts Management, Inc.. If they try to sue you over a disputed debt and behave deceptively at any stage in the process, hire a consumer attorney.

If you file a claim against RRCA Accounts Management, Inc. and win, you could potentially be awarded $1,000 per violation as well as attorney’s fees, court costs, and any actual damages. When debt collectors become so eager to get your money that they forget the law, the FDCPA enables you to seek the compensation you deserve.

*Case taken from PACER (www.pacer.gov). File number is Case: 3:16-cv-50268 from the United States District Court for the Northern District of Illinois, Western 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 RRCA Accounts Management, Inc., or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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