Have you been harassed by a debt collector? Have they called your family to say that you owe money, used foul language, or threatened you with prison if you didn’t pay immediately? This conduct is illegal, so your next step should be to retain a consumer lawyer who will protect your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to address abusive debt collection practices. It defines your rights, imposes guidelines for debt collector conduct, and prescribes penalties for violations like those below.
- Swearing and using racist language
- Calling you a criminal
- Demanding amounts not supported by law or the original creditor agreement
- Failing to identify themselves during each communication as a debt collector seeking to collect a debt
- Calling you several times a day
- Demanding that you pay immediately even though you are entitled to dispute
Company Profile: RT Resolutions
If you are being called by RT Resolutions, a brief history and operational overview is provided below.
RT Resolutions, which also does business as Real Time Resolutions, is a debt collection agency located in Dallas, Texas. It was founded in 2000, has 473 employees, and is managed by CEO Eric Green.
Records at the PACER website indicate that consumers who believed they were being harassed by RT Resolutions aggressively protected their rights.
Alleged Violations against RT Resolutions
According to PACER, on or around July 21, 2014, RT Resolutions sent a demand letter to an Ohio couple requesting payment for a mortgage debt that had been rescinded in a 2005 court action.
Alarmed and feeling harassed by RT Resolutions, the consumers engaged an FDCPA lawyer sued the agency for allegedly:
- Misrepresenting the legal status of the debt
- Using harassing and abusive means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
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 at any time of the day or night, be aware that RT Resolutions is calling. If they pressure you to pay a debt that is no longer valid, hire a consumer lawyer and file a claim against RT Resolutions.
When a debt collector violates your rights, a court action can get you the compensation you deserve.
Case taken from PACER (pacer.gov). File number is Case: 1:15-cv-00032-LW from the United States District Court for the Northern District of Ohio, Eastern 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 RT Resolutions or any other third-party collection agency, you may not be entitled to any compensation.