When you have to deal with a debt collection agency, transparency should be the guiding principle for every interaction. The third party debt collector expects you to reveal everything that concerns your financial status, including how much you pay each month in bills and how much money you take home every year. Unfortunately, far too many bill collectors fail to reciprocate when it comes to transparency. Did Roquemore & Roquemore, Inc. misrepresent themselves? If the company did misrepresent themselves, you should be aware of a federal consumer protection law that makes deceptive debt collection tactics illegal.
About Roquemore & Roquemore, Inc.
As a company that finds collateral for lenders and insurance companies, Roquemore & Roquemore, Inc. also collects outstanding consumer debts for original creditors. Based in Garland, Texas, Roquemore & Roquemore, Inc. has earned an A+ rating from the Better Business Bureau (BBB), which has closed 20 complaints filed against the bill collector over the past three years. Despite the A+ rating from the BBB, Roquemore & Roquemore, Inc. has not received accreditation from the leading consumer advocacy organization.
![Did Roquemore & Roquemore, Inc. Misrepresent Themselves?*]()
How the FDCPA Addresses Misrepresentation
Before September 20, 1977, debt collection agencies were not held legally accountable for using deceptive debt collection tactics. That all changed when the United States Congress passed the landmark Fair Debt Collection Act (FDCPA). The FDCPA outlaws several deceptive debt collection practices that includes impersonating another organization. Some third party debt collectors hide behind the name of another organization to trick consumers into taking care of outstanding credit card and personal loan accounts. A common deceptive debt collection tactic is for a company to impersonate the original creditor.
In addition to banning deceptive debt collection tactics, the FDCPA also prohibits third party debt collectors from using harassment to intimate consumers into sending money to cover delinquent debts. Under the FDCPA, a bill collector such as Roquemore & Roquemore, Inc. cannot threaten you with bodily harm, nor can the company threaten to seize any of your property for liquidation into cash.
Making Roquemore & Roquemore, Inc. Pay
If a bill collector violates one or more provisions of the FDCPA, you might be eligible to receive statutory damages for all the violations. With a maximum award of $1,000, statutory damages penalize bill collectors for failing to comply with the FDCPA. In addition to statutory damages, your FDCPA lawyer has the right to request money to cover all of your attorney fees. After a thorough review of your case, your FDCPA attorney can also seek injunctive relief, which is a legal order than forbids Roquemore & Roquemore, Inc. from communicating with you in any way.
The Power of an Attorney
When you deal with a debt collection agency, you are also going to have to deal with a high-powered team of lawyers that work for the company. There is no way you can expect to win an FDCPA case on your own. By working with a licensed consumer protection attorney, you even the legal playing field by having an FDCPA expert by your side. Schedule a free initial consultation with an FDCPA lawyer to learn more about the FDCPA.
Additional Resources
*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 Roquemore & Roquemore, Inc., or any other third-party collection agency, you may not be entitled to compensation.