If you’re getting aggressive calls from someone claiming to be R & R Solutions, the safest way to shut down confusion is to force written proof. Ask for written debt validation, keep a call log, and don’t share sensitive information until you can verify the company identity on paper. This approach can reduce contact fast and preserves evidence if the conduct may violate federal law.
Is R & R Solutions Inc a scam?
R & R Solutions Inc appears as a real business listing on Better Business Bureau with a “Business Started” date of 12/17/2020 and a listed owner (Mr. Ryan Jones).That said, spoofing and impersonation could still happen, meaning a scammer might use a real company name while calling from unrelated numbers. If the caller refuses to provide written validation or their details don’t match public listings, that could indicate impersonation.
Who is R & R Solutions Inc?
BBB lists R & R Solutions Inc under the category “Home Warranty Plans,” not as a debt collector.
So when consumers describe “collection-style calls,” the key question becomes:
Are you dealing with the BBB-listed business, or someone using the name?
Before you call it a “debt collector,” confirm:
- The mailing address they give you matches public listings
- They will mail validation showing the creditor, amount, and why they believe you owe it
Verified company details you can use for written requests
Use this address when sending a validation request or a “contact me in writing only” notice.
| Item | Details |
| Company (BBB listing) | R & R Solutions Inc |
| BBB-listed address | 402 W Broadway Ste 400, San Diego, CA 92101-3554 |
| Entity type (BBB) | Sole Proprietorship |
| Business started (BBB) | 12/17/2020 |
| Business management (BBB) | Mr. Ryan Jones, Owner |
Complaint volume
BBB’s complaints page currently states: “This business has 0 complaints.”
So you should remove claims like “7 complaints in the last 3 years” unless you have a dated screenshot showing different totals.
Important: “AKA” lists and brand names
Your draft lists “AKA TDS Financial, Goldman Financial Solutions, Apex Capital Consulting.”
At the moment, I can only support one connection with a public docket reference: a federal case listing R & R Solutions Inc. d/b/a TDS Financial, LLC (docket record).
I cannot verify a reliable connection to “Goldman Financial Solutions” or “Apex Capital Consulting” from high-quality public sources, so those names should be removed to keep the blog “real-things-only.”
What to do if you believe R & R Solutions harassment is happening
Switch from phone calls to written proof
Say once: “Send me the details in writing. I’m requesting validation.”
Then stop debating on the phone.
Demand debt validation (the practical stop button)
Debt validation is how you force the collector (or caller) to provide:
- Who the creditor is
- How much is claimed
- Why they believe the debt is yours
If they keep pushing for payment but won’t validate, that could indicate a problem with the claim—or even the caller’s identity.
Build a clean evidence packet
Keep:
- Call log (date/time/number/what was said)
- Voicemails
- Texts/emails
- Letters/envelopes
- Any screenshots of threats
This packet is what makes it easier to escalate if the conduct might violate consumer protection laws.
“They threatened legal action / wage garnishment / service” — how to handle it safely
If a caller threatens lawsuits, garnishment, or “process service”:
- Ask for everything in writing.
- Do not confirm bank details, employer info, or SSN over the phone.
- If you receive court papers, respond by the deadline (ignoring papers can lead to default judgment).
- If you believe the threat is being used as pressure without real documents, save the voicemail and note the wording.
Credit report impact
If a debt is reported and you believe it’s inaccurate, act quickly:
- Pull your reports and screenshot the entry
- Dispute inaccurate data with the credit bureaus
- Keep proof of what you submitted and when
Get Help With R & R Solutions Harassment
How Consumer Rights Law Firm PLLC Helps Stop R & R Solutions Harassment and Protects You
If calls from someone claiming to be R & R Solutions are stressing you out—especially when the debt details don’t match your records—you don’t have to handle it alone.Consumer Rights Law Firm PLLC focuses on consumer-protection laws and can help you figure out what may apply based on the exact caller identity, the numbers used, and what was said in calls, texts, or letters.
What we do immediately
- Move everything to writing so you’re not pressured on the phone.
- Request debt validation and demand clear documentation (creditor, amount, dates, and why they believe it’s your debt).
- Preserve evidence (voicemails, screenshots, call logs, letters) so nothing gets lost.
- Send communication limits or cease-contact demands where appropriate, so the calls may stop or reduce.
- Flag conduct that could potentially violate Fair Debt Collection Practices Act (FDCPA)/TCPA/Fair Credit Reporting Act rules (harassment, misleading statements, unwanted calls, or inaccurate credit reporting).
Why “R & R Solutions” cases can be vulnerable to challenge
The name “R & R Solutions” is used by more than one U.S. business, and spoofed calls/impersonation can happen. When a caller won’t provide written validation or can’t match verifiable business details, that documentation gap can become the central issue. If you believe you’re being pressured without proof, that could indicate the claim is not properly supported.
What outcomes may be possible
Depending on your facts and documentation, the firm may help you:
- Stop or reduce contact through written demands
- Challenge unsupported claims when validation isn’t produced
- Dispute inaccurate credit reporting
- Evaluate whether you may have a claim for statutory damages and attorney’s fees under federal consumer laws
About Attorney Derek DePetrillo
Attorney Derek DePetrillo is a consumer-protection attorney whose work focuses on helping people respond to abusive or misleading debt-collection communications and credit-reporting issues. His profile emphasizes building cases around documentation—call logs, letters, and recorded messages—so consumers can enforce their rights under federal statutes when conduct may cross the line. (consumerlawfirmcenter.com)
Start Your Case Review
Call Consumer Rights Law Firm PLLC at +1 877 700 5790 to discuss what’s happening and what steps may apply in your situation.
Success stories
I worked with Scott and he was an absolute pleasure! He was very swift, honest, resourceful, helpful. He reassured me that I would never be asked for any money out of my pocket. His assistance with settling my case lifted a huge weight off my shoulders! Thank you so much, Scott! God bless!
Words can’t express how incredibly grateful we are for the work that Consumer Rights Law Firm did for us. It was a case of stolen identity that had turned into a 2 year nightmare. Our contact Scott was very supportive and went to bat for us without asking for a dime. In less than 6 months they were able to get fraudulent credit card charges dropped and get our credit restored. I would HIGHLY recommend them to anyone facing similar circumstances. Reach out to them now. You won’t regret it.
Conclusion
You don’t have to guess your way through aggressive calls using the R & R Solutions name. If you believe the contact is harassment or the debt details don’t add up, move everything to writing, request validation, and keep an evidence packet. If you want help reviewing your records and next steps, call Consumer Rights Law Firm PLLC at +1 877 700 5790.
FAQs
Is R & R Solutions Inc a scam?
BBB lists R & R Solutions Inc as a real business with a start date of 12/17/2020. Scammers can still impersonate real names, so request written validation and match the address before paying.
Why is R & R Solutions calling me?
They may claim you owe a past-due account or they may be using the name incorrectly. Ask for written validation that shows the creditor, amount, and why they believe the debt is yours before discussing payment.
What counts as harassment?
If you believe calls are excessive, abusive, or misleading, that conduct may violate federal rules depending on the facts. Log dates/times, save voicemails, and shift all communication to writing.
Can they garnish my wages?
Wage garnishment typically requires a court process or specific legal authority. If a caller threatens garnishment without paperwork, document the wording and request written details before taking any action.
Can they have me arrested?
Debt collectors generally can’t arrest you for consumer debt. Arrest could only come from unrelated issues like ignoring certain court orders. If a caller suggests arrest, save the message—it could indicate a misleading tactic.
What if they won’t validate the debt?
Refusing to provide written validation could indicate an identity issue or an unsupported claim. Keep your request and proof of delivery. If calls continue, you may want a consumer-rights review.
Should I pay over the phone?
Avoid paying or sharing banking details on a cold call. Get written validation first, confirm the creditor and amount, and only pay through a method that gives you a clear receipt and paper trail.
What if the debt isn’t mine?
Dispute it in writing and demand validation. Keep records showing you notified them. If the caller continues without proof, that could potentially strengthen your complaint or legal options.
Will this affect my credit report?
A reported collection can hurt your score. If you believe reporting is inaccurate, dispute it promptly and keep copies of your dispute and supporting documents.
How can Consumer Rights Law Firm PLLC help?
They can review your call log, letters, and voicemails, explain what may apply under consumer laws, and help you respond strategically. Call +1 877 700 5790 for a free case review.
