The debt collection industry is a thriving one, thanks to the number of consumers who fall behind on their debts due to illness, job loss, and disability. Even if you owe money, you have rights that prohibit debt collectors from abusing you, so contact a consumer lawyer if an over-zealous collector tries to make your life miserable.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a federal law that prohibits certain actions by debt collectors. Under the FDCPA, a debt collector is forbidden from doing any of the following and imposes strong penalties on companies that do.
- Using profane and obscene language
- Telling you that you can arrested or imprisoned for nonpayment of a debt
- Using the telephone to harass you with constant calls
- Calling you at work when they know that your employer doesn’t let you take personal calls
- Failing to report to the credit bureaus that a debt is in dispute
- Disguising the fact that they are debt collectors trying to collect a debt
Company Profile: Rubin & Raine of New Jersey, LLC
If you are being called by Rubin & Raine of New Jersey, LLC, details about the agency are below.
Rubin & Raine of New Jersey, LLC is a debt collection agency located in Eatontown, New Jersey. It was opened for business in 1986, has 156 employees, and is managed by owner Patrick Serpico.
The company serves customers in the states of Tennessee, New Jersey, and Colorado. Digitized litigation records that can be accessed at the PACER website indicates that consumers who felt they were being harassed by Rubin & Raine of New Jersey, LLC hired lawyers and made compensation demands of their own.
Alleged Violations against Rubin & Raine of New Jersey, LLC
According to PACER, in or around May 2013 Rubin & Raine of New Jersey, LLC began sending collection letters to a New Jersey consumer. At her request, her husband called the company to inquire further into the nature and validity of charges.
During the ensuing conversation, he disputed the medical debt and collector argued with him, asking, “Why are you disputing? For what reason?” and “If they don’t have the right insurance, where did they get it from?” and “Well, they got it from someplace.”
On May 28, 2013, the consumer’s husband called Rubin & Raine of New Jersey, LLC to confirm that his wife disputed the debt. The collector allegedly refused to speak to him. When he called a third time, he was told that Rubin & Raine of New Jersey, LLC had closed the account.
Feeling harassed by Rubin & Raine of New Jersey, LLC, the consumer sued the company allegedly violating the FDCPA by:
- Using false, deceptive and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for Rubin & Raine of New Jersey, LLC are:
If they show up on your caller ID, be away that Rubin & Raine of New Jersey, LLC is trying to connect with you. If they dismiss your attempts to dispute a debt, contact a consumer lawyer and file a claim against Rubin & Raine of New Jersey, LLC.
If you win, the agency can be ordered to pay you $1,000 per violation in addition to your attorney fees and court costs. These awards are an expensive reminder to collection agencies that all consumers have rights.
Case taken from PACER (pacer.gov). File number is Case 3:13-cv-04560-FLW-DEA from the United States District Court for the District of New Jersey.
*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 Rubin & Raine of New Jersey, LLC or any other third-party collection agency, you may not be entitled to any compensation.