Too many consumers are overwhelmed by debt for reasons beyond their control. They lose a job, become disabled, or experience another setback that leaves them unable to pay their bills. If financial difficulties have made you the target of a hostile debt collector, learn more about how the law protects you.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law passed in 1977 to curb the destructive outcome of abusive debt collectors. It prohibits the use of methods like the following while attempting to collect a debt:
- Using profane or obscene language
- Using an auto dialer to leave a slew of pre-recorded messages
- Calling at work if they know what such calls are not allowed
- Telling you that you can be arrested if you don’t pay
- Demanding amounts that exceed the original debt
- Making threats they have no intention of following up on
Company Profile: RTR Financial Services, Inc.
If you are being called by RTR Financial Services, Inc., below is a brief history of the company and its operations.
RTR Financial Services, Inc. is a debt collection agency located in Staten Island, New York, with branch offices in Armonk, New York; Miami, Florida; Woburn, Massachusetts; Washington, DC; Buffalo, New York, and Madison, Mississippi. According to the company website, it specializes in collecting healthcare debt.
RTR Financial Services, Inc. opened for business in 1994, has 15 employees, and is managed by its president, Robert T. Reilly. Legal records at the PACER website confirm that consumers who believed they were being harassed by RTR Financial Services, Inc. responded by filing lawsuits of their own.
Alleged Violations against RTR Financial Services, Inc.*
According to PACER, on March 5, 2013, RTR Financial Services, Inc. allegedly called a New York consumer and attempted to collect a healthcare debt by leaving a message on her voicemail. She complained that the voice message was heard by her son and made information about the debt available to third parties.
Feeling harassed by RTR Financial Services, Inc., she hired a consumer attorney and took the company to court for allegedly violating her rights by making information about the debt potentially available to third parties.
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
If any of these numbers appear on your caller ID, it means that you are being called by RTR Financial Services, Inc. If they are careless with your personal information and information about the debt, your best option is to hire a consumer lawyer who can help you file a claim against RTR Financial Services, Inc. When a debt collector breaks the law, they could end up being the one who pays.
*Case taken from PACER (www.pacer.gov). File number is Case 1:13-cv-03443-JG-VVP from the United States District Court for the Eastern District of New York.
- Is a Debt Collector Calling at Odd Hours?
- How to Stop a Debt Collector from Threatening Legal Action
The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against RTR Financial Services, Inc., or any other third-party collection agency, you may not be entitled to any compensation.