If you’ve gotten behind in paying your monthly bills, or you have had the misfortune to have been wrongly accused of owing a debt, there are resources available to protect you and your family from being harassed and threatened by a debt collector from Roquemore & Roquemore Inc. The Fair Debt Collection Practices Act (FDCPA) was enacted to protect you and your loved ones from being threatened by third-party debt collectors. However, the FDCPA laws are often broken by debt collectors from Roquemore & Roquemore Inc. If you have been a victim of this type of harassment you may find you are eligible to file a FDCPA lawsuit to claim damages for the way you have been treated.
About Roquemore & Roquemore, Inc. Collection Agency
Roquemore & Roquemore, Inc., or RRI, is a Texas based third-party debt collection agency that specializes in repossession and asset location. RRI has received numerous consumer complaints alleging it has violated the Fair Debt Collection Practices Act (FDCPA) including intimidating and harassing debtors and contacting them repeatedly in antisocial hours. One victim claimed he was harassed about late repayments for a truck purchase when in fact all the payments were up-to-date. According to the Better Business Bureau, RRI has had 20 complaints filed against it in the past 3 years.
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What is Considered a Threat?
The FDCPA spells out clearly that it prohibits the use of certain kinds of threats by debt collectors. If Roquemore & Roquemore Inc. allows its debt collectors to use any of the actions listed below it is violating the FDCPA:
- the use of a violent act which causes physical harm or injury to the alleged debtor;
- a debt collector threatens to confiscate property owned by you;
- a debt collector threatens to talk to your employer to garnish your wages to repay the debt;
- tries to get you arrested for failure to pay your debt;
- publishes a list of debtors and threatens each one with legal action;
- tries to damage the reputation of the debtor.
Damages You May Be Entitled to
A debtor that has the evidence to back up his/her claim of harassment by a debt collector from RRI may be able to file a lawsuit in a court of law and recover $1,000 in statutory damages. The court has the jurisdiction to include physical and emotional damages and compensation that covers lost wages and wage garnishment. The debt collector may also be told to pay the debtor’s attorney fees.
Typically, physical damage or injury covers afflictions that are easy to recognize as being caused by harassment such as rashes, severe and chronic headaches, and heart and high blood issues. Emotional distress which includes stress and anxiety may prompt the attorneys to file a damage claim for emotional distress.
End the Threats Today
If you firmly believe you have been threatened by RRI the debt collection company could be in serious trouble for failing to comply with the FDCPA. You should discuss your situation with an FDCPA attorney who specializes in creditor harassment and learn as much as you can about your rights and how you can prevent RRI from threatening you. Fill out our Free Case Evaluation to be connected with an FDCPA attorney who handles consumer law cases in your state.
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.