When the economy experiences a downturn, more people are chased by collection agencies for overdue car payments, medical debt, and unpaid credit card. These collectors often overlook the fact that even if a consumer owes money, they still have rights that prohibit mistreatment.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act was enacted in 1977 to curb the unethical practices that were (and still are) prevalent in the collections industry. Some of the prohibited behaviors specified in this consumer protection law are outlined below.
- Failing to identify themselves as debt collectors seeking to collect a debt
- Using an autodialer to harass you by phone
- Pretending to be attorneys or police officers
- Using abusive language
- Calling you outside of the hours of 8:00 a.m. - 9:00 p.m. in your time zone
- Disregarding your dispute
Company Profile: RSH & Associates, LLC
If you are being called by RSH & Associates, LLC, here are some additional details about the agency.
RSH & Associates, LLC is a debt collection agency located in Lenexa, Kansas. It was founded in 2008, has 24 employees, and is managed by owner Randy Hairgrove. It describes itself on the company website as a “Christian-based collections service.”
The PACER website holds records confirming that consumers who believed they were being harassed by RSH & Associates, LLC exercised their rights under the FDCPA and fought back.
Alleged Violations against RSH & Associates, LLC
According to PACER, on or around January 28, 2013, RSH & Associates, LLC called a Missouri consumer and allegedly threatened to take legal action against her if she didn’t pay the debt.
She claimed that the caller did not identify himself as a debt collector and that she never received a validation letter within five days of this initial contact. The consumer also alleged that debt collectors called her at work, causing her embarrassment.
In July 2013 she engaged an attorney who sent RSH & Associates, LLC a cease communications notice but a debt collector allegedly called her on August 26 and told her that he was aware she had an attorney but had better pay her debt anyway.
Feeling harassed by RSH & Associates, LLC, the consumer sued the agency for allegedly violating her rights by:
- Failing to send her a debt validation letter
- Failing to identify itself as a debt collector in all communications
- Calling her at work after being asked to stop
- Using false, deceptive, and misleading means to collect a debt
- Contacting her directly although she had an attorney
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
If you see either of these numbers on your caller ID when the phone rings, it means that RSH & Associates, LLC is on the line. If they use pressure tactics such as calling you at work, bypassing your attorney, and making threats, you have every right to hire a consumer attorney and file a claim against RSH & Associates, LLC.
A court may force the company to compensate you for violating your rights under the FDCPA, so you have good reason to act now.
Case taken from PACER (pacer.gov). File number is Case 4:13-cv-00959-BCW from the United States District Court for the Western District of Missouri, 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 RSH & Associates, LLC or any other third-party collection agency, you may not be entitled to any compensation.