You may find yourself filled with fear whenever you receive correspondence from Regional Adjustment Bureau. A few weeks ago, it was a profane phone call. Then there was the stream of voicemails.
There was the 6 AM phone call. And now, you may find yourself wondering when it will stop, or even whether it could. It can, and it will. An attorney can help this harassment end, with the help of a long-standing federal law.
Know Your Rights
In 1977, the Fair Debt Collection Practices Act (FDCPA) was enacted in the U.S. It’s a federal law that protects consumers from aggressive collection practices from third-party collectors. For example, under the law, third-party collectors may not:
- Threaten to seize your property
- Leave you multiple voicemails
- Take money out of your bank account
- Discuss your debt with unauthorized third parties
- Use profane language in correspondence
If any of those behaviors sound familiar or you’ve experienced something that seems similar, contact an experienced FDCPA attorney as soon as possible. An FDCPA attorney will be one of your best tools for a successful outcome. But first, you and your attorney will have to file a claim.
Going to Court with Regional Adjustment Bureau
Once you’ve filed a claim, Regional Adjustment Bureau will be served notice. That notice contains the complaint and the summons, which explain why the company is being called in and when it should appear, respectively.
Carve out as much of your day as possible for your court date, simply because it can be difficult to anticipate how much time the court visit will eat up. Most importantly, do whatever it takes to get to court on time.
It goes a long way toward making a good impression, and for a successful outcome, you need every advantage you can possibly get. You won’t go jail for being unable to pay your bills, so go to court with your head held high.
Preparing for Your Appearance
It’s easier to hold your head high when you’ve prepared properly. Part of the preparation involves gathering evidence with your attorney. Aggressive voicemails, embarrassing mail, bank statements, and credit reports could all be viable types of evidence.
Remember that the goal is to prove that you’ve been the victim of harassment, so anything that supports that narrative is useful. If you’re uncertain about what would be useful, the best person to ask would be your attorney.
The other part of the preparation is practicing answering questions from the other attorney. Being able to anticipate what the other side will ask can help the day in court feel much more manageable, but it will also increase your chances of a positive outcome.
Confidence goes a long way toward leaving a good impression, and being able to easily answer questions is a great way to feel more confident.
Talk to an Attorney
With a good attorney, you may never see Regional Adjustment Bureau’s phone number on your caller ID again. You may never hear from another one of its agents. It may be difficult to envision this future, but it’s within reach. Reach out to an attorney today so that you can bring yourself closer to that future.
*Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Regional Adjustment Bureau or any other third-party collection agency, you may not be entitled to any compensation.