Is Rubin & Yates calling you? Here’s what you need to know.
Collection agencies encourage their employees to say and do things that convince the debtor to pay the amount owed, quickly and in full. Unfortunately, harassment, deception, and abuse are often included in these persuasion tactics. Many consumers yield under pressure and either pay or declare bankruptcy, unaware that the law protects them from abusive debt collectors.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to protect indebted consumers from unethical and manipulative collection tactics. Actions like those below are illegal when used to pressure people into paying a debt.
- Calling at all hours of the day and night
- Using profane and obscene language
- Making threats they cannot legally follow up on, such as sending you to jail or seizing your assets
- Demanding amounts that exceed the original debt
- Telling your friends, neighbors and co-workers that you owe money and they are trying to collect it from you
Company Profile: Rubin & Yates
Rubin & Yates is a collection agency located in Depew, New York. It was established in 2007, has 10-20 employees, and collects consumer debt in multiple states. A search of records archived at the PACER (Public Access to Court Electronic Records) website confirms that Rubin & Yates has been sued by indebted consumers who believed that their rights had been violated during the debt collection process.
Alleged Violations against Rubin & Yates
According to PACER, in February 2013 Pennsylvania a resident learned that Rubin & Yates had allegedly contacted her mother and left a message saying that she owed a debt, a complaint had been filed against her, and if she did not respond, the matter would go to court. No lawsuit, however, was ever filed.
She hired a consumer attorney and sued Rubin & Yates for allegedly violating the FDCPA in the following ways:
- Discussing her debt with uninvolved third parties
- Using false, deceptive and misleading means to collect a debt
- Threatening legal action it did not intend to take
A judgment was later entered in favor of the plaintiff, and against Rubin & Yates, in the amount of $1,690.00.
Hire a Creditor Harassment Attorney
The phone numbers below are all connected to Rubin & Yates:
If your phone rings and any of these numbers appear on your caller ID, it means that a collection agency is trying to reach you. If they discuss your debt with friends and relatives and threaten to sue you (but never do), hire a consumer attorney right away.
Such harassment is against the law, and Rubin & Yates could be ordered to pay you $1,000 per FDCPA violation as well as attorney’s fees, court costs, and any actual damages, making their decision to pressure you an expensive misstep.
*Case taken from PACER (www.pacer.gov). File number is 2:13-cv-05723-ER from United States District Court for the Eastern District of Pennsylvania
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 & Yates, or any other third-party collection agency, you may not be entitled to any compensation.