Have you been contacted by a debt collection firm and are getting pestered by them? Do you actually owe the debt, as some debt collectors contact the wrong person? If you do owe a debt, has the debt collector sent you a debt validation report showing full details of the debt you supposedly owe?
If the answer to any of these is “Yes”, then you may be able to take legal action against the debt collector. The federal government’s Fair Debt Collection Practices Act (FDCPA) has been around since the late 1970s. It sets out the dos and don’ts of debt collection practice.
The Act makes it illegal to harass a debtor or fail to provide a debt validation report within 5 days of a request. If you have experienced any bad practice from a debt collector like Rash Curtis & Associates, you may have the right to file a lawsuit against the company. Talk to a consumer law attorney about your experience.
Rash Curtis & Associates – Company Profile
Rash Curtis & Associates is based in Vacaville, California. It is an old established debt recovery agency that has been in business for over 40 years with 63 employees. It has been accredited with the Better Business Bureau since 2000 and has got a rating of A+ the highest on BBB’s scale from A+ down to F. Nevertheless, BBB has received numerous complaints against the company, 45 in the last 3 years.
What Is a Debt Validation Letter? And Why Do You Need It?
A debt validation letter is a document that provides full details of someone’s debt. That means the amount of debt, who the creditor is and what the debt is for, plus any other details such as the effective date of the debt and repayment options.
A debt collector is quite legitimately able to attempt to recover a debt on behalf of a client creditor, but must provide a debt validation letter on request. Good debt collectors do this automatically at the start of any contact with a debtor.
If you have been approached by a debt collection agency like Rash Curtis & Associates but the individual representative has not provided any debt details, you should send a debt verification letter to the firm requesting debt validation report. Failure to provide this within 5 days of receipt of a request could lead to a lawsuit filed against the debt collection agency.
Talk to An Attorney Today
If you intend filing a lawsuit against a debt collection agency, either because they haven’t provided a debt validation report or because they are constantly harassing you day and night, you should talk to an FDCPA attorney first.
The attorney will have dealt with debt collectors before and would be used to filing lawsuits against them. Fill out our Free Case Evaluation to be connected with an FDCPA attorney who handles consumer law cases in your state.
*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 Rash Curtis & Associates, or any other third-party collection agency, you may not be entitled to compensation.