Two years ago, the Consumer Financial Protection Bureau reported that nearly one in four consumers felt threatened when collection agencies contacted them. They may not have been aware of their rights, which protect them from such treatment.
How Your Rights Fall Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) creates guidelines for both third-party collection agencies and indebted consumers. If you are dealing with a collection agency that uses these types of ruses to get you to pay, you have grounds to sue them.
- Impersonating law enforcement
- Using the telephone to harass you with constant calls
- Calling at inconvenient times
- Calling you at work when your employer does not allow such calls
- Discussing the debt with anyone except you, your spouse, and your attorney
Company Profile: RUI Credit Services
If you are being called by RUI Credit Services, a summary of the company’s background and operations is below.
RUI Credit Services, which also does business as Recoveries Unlimited East, is a debt collection agency in Melville, New York. It was established in 1998, has seven employees, and is managed by its President, Leslie Peeler.
Archived legal records at the PACER (Public Access to Court Electronic Records) website confirm that consumers who believed that they were being harassed by RUI Credit Services stood up and pushed back.
Alleged Violations against RUI Credit Services
According to PACER, on or around May 26, 2009, RUI Credit Services sent a collection letter to a New York consumer about a debt owed to National Grid New York. It implied that if he lost the case, he would be liable for attorney’s fees when there was no law stating the fact.
Feeling harassed by RUI Credit Services, the consumer engaged an attorney and sued the company for using false, deceptive, and misleading means to collect a debt.
The matter was later settled.
Hire an Attorney
The phone numbers for this debt collection agency are:
Their appearance on your caller ID indicates that you are being called by RUI Credit Services. If they threaten dire consequences should you not pay immediately, remember that such pressure tactics are against the law.
Hire a consumer lawyer and file a claim against RUI Credit Services in order to get the compensation the law provides for consumers treated in this manner. You could receive $1,000 per FDCPA violation, so act now.
Case taken from PACER (pacer.gov). File number is Case 1:09-cv-03425-JG-VVP from the United States District Court for the Eastern District of New York.
*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 RUI Credit Services or any other third-party collection agency, you may not be entitled to any compensation.