RCS Capital Partners Debt Collection Harassment? Stop the Blocked Calls!
Is RCS Capital Partners calling you about a debt? RCS Capital Partners might be calling you because your delinquent account was sold to them for collections. This doesn’t give them the right to harass you. If RCS Inc is harassing you, then you need to keep reading to know how to stop it.
The best way to handle a debt (after you confirmed it’s yours) is to pay it and avoid all the negative consequences. But this isn’t always easy or possible to do. Economic situations are unpredictable and downtimes are inevitable. When this happens people fall back on their bills and get into debt.
If you are in debt now, you are not alone. Millions of Americans are in the same shoes, in fact according to a recent study 8 out of 10 Americans you see are in one form of debt or the other. But the good news is many have come out of debt and you can too.
It takes the right knowledge and awareness to handle a situation well, especially when debt collectors like RCS collections are involved. Debt collectors have a reputation of pestering debtors to pay up their debts. This is because when debt collectors recover a debt they get paid.
If you are still struggling and making plans to pay your debt you don’t have to put up with harassment from debt collectors also. The has laws that stop debt collectors – and that includes RCSInc from harassing and threatening you. If a debt collector is making you feel unsafe and scared you can sue them and get awarded up to $1,000 in statutory damages. Call us today at 877-700-5790.
If you are not sure of the name of the collection agency that is calling you than feel free to visit our list of collection agencies List of Collection Agencies in United States Consumer Rights Law Firm PLLC (consumerlawfirmcenter.com).
If you have any additional questions than please visit our FAQ page: FAQ | Consumer Rights Law Firm PLLC website (consumerlawfirmcenter.com.Some users might get access denied due to being blocked by security measures when trying to contact or get information from debt collectors. This can happen if security services like OctoNet HTTP filter or Cloudflare are in place to prevent online attacks.
Consumer complaints against debt collection agencies often highlight serious violations of the Fair Debt Collections Practices Act (FDCPA) and evaluating these complaints can give you an idea on the performance and practices of agencies like RCS Inc.
Who is a debt collector?
Many times people get into hard times and are unable to pay their bills. It could be due to sickness, divorce, mismanaged finances or a range of other sad happenings. Whatever the reason may be you already know that your debts will get turned over to debt collection agencies whenever they go unpaid.
A debt collector is a licensed person or company that uses any mode of communication be it phone calls, mail or email to contact and attempt to collect the debts of delinquent debtors who have fallen way behind on their debt repayment obligations. Debt collectors like RCS collections are allowed to call you, write you letters and report your debt to the credit bureaus, in essence they are allowed to do anything that they deem necessary (remember it must be necessary) to recover a delinquent debt from a consumer. What they are however not allowed to do under any circumstance is to harass you at any point during the process of debt collection.
Debt collectors are given this collection task by your original creditors and are paid a commission when they get you to pay the debt. In some cases the debt collector may even buy off the debt that you owe to your original lender for pennies on the dollar and thereby assume the full responsibility of collecting it. This is perhaps why debt collectors are notorious for being so persistent in pestering you with bothersome and unwanted calls. This should give you an idea as to why RCS inc. is relentless in its attempts to get you to pay.One thing you should know is that even though you owe a debt to RCS Capital Partners you still have rights when it comes to debt collection. One of the first rights you should be aware of and learn how to use is your right to request a validation of the debt that the debt collection agency claims that you owe. This simply means that you have a right to validate the debt by asking RCS collections to give you information on what the debt is about and who the original creditor that you allegedly owe money to is.
Once you have requested for this written verification of the debt RCS collections has five days (from the date of initial communication) to send you a written notice containing all the information that you have requested (such as your full name, the name and address of the original creditor and the amount of the alleged debt). You should verify this information on your credit report to see if it exists and if the information it contains corresponds. The notice should also contain information telling you that you have the right to dispute the debt within 30 days if you believe that it’s not yours or if you notice that some details about the debt have been misrepresented.
You should make a debt validation request to RCS inc. as soon as they contact you about a debt whether you remember acquiring it or not. If you do this RCS inc. will cease all forms of communication and collection activities until they provide you with proof to validate the debt that they have contacted you to pay. RCS capital corporation has to make the decision to either cease to contact you about the debt or send you all the necessary information about the debt and who the original creditor is.
A debt validation request is a great way to escape debt collection scams. Some scammer may claim to be debt collectors and call you asking you to pay a non-existent debt. All you need to do is tell them that you have a right to validate the debt and watch them run to hide. Requesting for a debt validation letter is such a great way to stop debt collection scammers dead in their tracks, as only a legitimate collection agency will be able to provide proof of the existence of a debt.You also have debt collection rights under the Fair Debt Collection Practices that prohibit debt collectors like RCS capital corporation from lying to you, disrespecting you and harassing you in any way. What’s better is that the FDCPA not only makes laws that regulate the conduct of debt collectors but also provides a means for consumers to get justice and monetary compensation for the willful violation of their rights by debt collectors.
Debt collectors Vs debt buyers
Many times people use the terms debt collector and debt buyer interchangeably. This should not be so as even though both terms have similar connotations they are certainly not the same.
A debt collector is actually different from a debt buyer in the sense that while a debt collector tries to collect the debt on behalf of a creditor for a commission a debt buyer buys the debt from the original creditor and starts the process of collecting the debt from the delinquent debtor themselves. In essence a debt collector makes commissions while a debt buyer makes a profit. It should however be noted that some debt collectors serve the dual function of a debt buyer as they are commonly known to buy delinquent debts from original creditors for pennies on the dollar.
Why would an original lender sell a debt to a collection agency for pennies on a dollar you might ask? When the creditors see that a debt is taking too long to collect on and they fear that they may not be able to recover it before the statute of limitations on the debt expires they can choose to sell the whole debt for pennies on the dollar to a debt buyer. The debt buyer then buys this debt and whatever money is recovered now belongs to them.
Why is a debt collector calling me?
If you are getting calls from RCS capital corporation then it’s most likely because you owe money to a creditor or you missed a payment on one of your RCS capital store credit cards. However do not conclude that the debt is yours off the bat. Seek to validate the debt and be sure that it’s yours and you’re not being scammed or mistaken for someone else.Once you confirm that the debt is yours, don’t panic. Review the debt and plan to pay it off through a plan that suits your income. If your finances is not that good, talk to the debt collector. Besides, be aware that communication from debt collectors can sometimes be confusing especially if you’re afraid of being called again about the same debt by another agency.
Remember you have rights under the FDCPA and any form of harassment from a debt collector is a violation of those rights.
RCS Capital Partners’ phone harassment?
Phone harassment is when the communication on a phone call is intended to harm, scare or insult the receiver.
When phone calls from RCS Capital Partners start to scare you and make you worried about your safety or your family’s safety, you are experiencing RCS Capital Partners phone harassment and this act of violation should carry severe penalties for the erring debt collector. Under the Fair Debt Collection Practices Act (FDCPA), third party debt collectors must follow strict guidelines and you have legal recourse if these rights are violated.
RCS Capital Partners’ phone harassment can come in many forms. It could be making unwanted, offensive and threatening phone calls to you, calling you at odd hours of the day or even calling your family and loved ones to disclose sensitive information about your debt.
How to handle RCS Capital Partners phone harassment under fair debt collection practices
If you start getting harassed during RCS Capital Partners’ debt collection, you need to act fast. Many companies specializing in debt collection and recovery services can help manage these situations.
FDCPA and TCPA both strongly prohibits phone harassment. No debt collector should make you go through a horrible experience just because you owe a debt.
Most times, harassing phone calls come when you can’t pay, already feeling bad about yourself and don’t need anything else to make things worse.
These phone calls come and make everything depressing.
Your debt collector doesn’t have the right to harass you. If you are being harassed during RCS Capital Partners’ debt collection, they are violating your rights and here’s what you should do.
- Ask them to stop: You can verbally tell RCS collections that you know your rights and that they are violating them.
- Record your conversations with them to have enough proof that they’re harassing you.* Send a cease and desist letter to them: If after asking them to stop, they refuse to, you should send them a cease and desist letter. Although this letter does not stop them from collecting the debt, it however stops them from contacting you.
- Gather your evidence and be ready to sue them, just in case you may need to. When all else fails, this is the next step. Get your evidence together and contact us.
Make sure to check the statute of limitations on your debts too as some debt collectors may be harassing you over a debt they can no longer sue you over. If you are not aware the debt has exceeded its statute of limitations, you may agree you owe the debt when the debt collector calls and this automatically revives the debt and makes its statute of limitations brand new.
The TCPA (Telephone Consumer Protection Act) is a law that restricts solicitors from certain phone call activities. It was enacted in 1991 in response to numerous complaints from consumers on how telemarketers were harassing them with phone calls. The TCPA prohibits the use of auto-dialing and prerecorded phone calls made especially for the purpose of advertisement. It also restricts solicitors from calling the consumer at odd hours.
If RCS Capital has violated the TCPA, you can sue them for up to $500 per violation.
Who is RCS Capital Partners?
RCS Capital Partners is a third-party debt collector located in Amherst, New York. They are one of many debt collection agencies, including Global Acceptance Credit Company, that may contact individuals regarding debt collections and may require legal representation to assert consumer rights.
Contact Information and Website
Address: 3840 E Robinson Rd Ste 447 Amherst, NY 14228-2001
Is RCS Capital Partners a scam?
According to the Better Business Bureau website, RCS Capital Partners has been in business since 2015. There have been 16 complaints closed in the last 3 years and 4 complaints closed out in the last 12 months. Read more here: RCS Capital Partners Better Business Bureau
Fair Debt Collection PracticesThe Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers from abusive, deceptive and unfair debt collection practices. This law applies to all debt collectors, including Reliant Capital Solutions and RCS Capital Partners. Here are some key provisions of the FDCPA you should be aware of:
- Identification: Debt collectors must clearly identify themselves and their employer when they contact you. This ensures transparency and helps you know who you are dealing with.
- Written Notice: Within five days of their initial contact, debt collectors must send you a written notice detailing the amount you owe and the name of the original creditor.
- Harassment Prohibited: Debt collectors are not allowed to harass, abuse or threaten you. This includes making repeated phone calls, using obscene language or making threats of violence.
- Truthful Communication: Debt collectors must be honest in their communications. They cannot make false or misleading statements to try to collect a debt.
Knowing these fair debt collection practices can help you stand up to any unfair treatment and ensure your rights are protected.
Red Flags to Watch Out For
When dealing with debt collectors like Reliant Capital Solutions and RCS Capital Partners, be vigilant and watch out for any red flags that may indicate unethical or illegal behavior. Here are some warning signs to be aware of:
- Unusual or Threatening Communication: If a debt collector uses aggressive or threatening language, this is a major red flag. They should never make you feel unsafe or intimidated.
- Immediate Payment Demands: Be cautious if a debt collector demands immediate payment without giving you time to verify the debt or explore payment options.
- Legal Threats: Threats of legal action or arrest are often used to scare consumers into paying. Remember, debt collectors cannot have you arrested for unpaid debts.
- Requests for Sensitive Information: Never provide personal or financial information over the phone unless you are certain of the debt collector’s identity and legitimacy.
- Lack of Written Notice: If a debt collector fails to provide a written notice of the debt within five days of initial contact, this is a violation of the FDCPA.
- Missing Debt Details: Ensure the debt collector provides a clear statement of the amount owed and the name of the original creditor. If they cannot provide this information, be wary.
By being aware of these red flags, you can protect yourself from potential scams and unethical debt collection practices.
Debt Validation and VerificationDebt validation and verification are crucial steps in the debt collection process, so you don’t pay for a debt that’s not yours. Debt collectors like Reliant Capital Solutions and RCS Capital Partners must provide you with detailed information about the debt they are trying to collect. Here’s what you need to know:
- Written Notice: Within five days of their initial contact, debt collectors must send you a written notice that includes the amount owed and the name of the original creditor.
- Requesting Verification: You have the right to request verification of the debt. This means you can ask for a copy of the original contract or agreement, a statement of the amount owed and the interest rate, any fees or charges associated with the debt, and the name and address of the original creditor.
- Cease Collection: Once you request debt verification, the debt collector must cease all collection activities until they provide you with the requested information.
By exercising your right to debt validation and verification, you can ensure you are only paying legitimate debts and protect yourself from potential scams.
2 ways to handle RCS debt collection
1. Negotiating with RCS capital corp by yourself
What most consumers don’t know is that debt collectors like RCS capital partners are often open to a negotiation.
Since a debt buyer (in this case, RCS capital corporation) buys your debts from your original lender for pennies on the dollar, they are often willing to negotiate with you for a debt settlement or payment plan. When it comes down to sorting out the debt you have with RCS incorporated, the following are your options:
• Negotiate a debt repayment plan with RCS collections • Get a credit counselor and go for credit counseling • Work out a payment plan for the repayment of your debts • If you are in a tough financial situation, consider filing for bankruptcy • Dispute the validity of the debt
Getting an attorney involved via email
While many debt collectors will use harassing and even abusive methods to try to coerce you into paying your debt, they know they are bound by certain laws and regulations. They just hope you don’t.
If you believe you may have been a victim of harassment in your communications with an RCS capital debt collector, or aren’t sure what actions are considered violations of the FDCPA, you should speak with a qualified attorney now by calling (877)-700-5790.
RCS Capital Partners Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?310-707-1925, 844-440-8188, 620-682-9067, 844-828-9939, 206-453-0994, 855-864-7217, 425-533-0520, 844-828-9939, 540-266-3189, 844-303-2101, 877-349-6134, 844-303-2109, 888-535-0571, 866-680-9305, 888-202-9946, 603-369-4126, 402-800-1109, 844-880-5802
If so, you may be a victim of RCS Capital Partners’ debt collection harassment. Call us today at 877-700-5790.
Other debt collection agencies, like United Abstract Group, may also be involved.
Here are some sample complaints against RCS Capital Partners that can be found on Pacer.org.
1:19-cv-01221-EAW Guzman v. RCS Capital Partners, Inc.
1:19-cv-02017-CC-AJB Reaves v. RCS Capital Partners, Inc.
1:19-cv-00114-WCG Stark v. RCS Capital Partners Inc
2:18-cv-03160-SRB Russi v. RCS Capital Partners Incorporated et al
2:18-cv-00608-ALM-KAJ McCord v. RCS Capital Partners, Inc. et al
CONSUMER RIGHTS LAW FIRM, PLLC
is a law firm that handles cases against debt collectors. If you think your debt collection rights are being violated, contact our office to stop the harassment you are receiving from RCS Capital Partners. We have been helping consumers since 2010 and have an A+ rating with the Better Business Bureau.
Call us at today.
Check out the links below for more information:
New York Attorney General
Filing a Lawsuit
If a debt collector like Reliant Capital Solutions or RCS Capital Partners sues you, it’s important to know your rights and how to respond. Here are the steps to follow:* Read the Lawsuit: Read the lawsuit to understand the allegations and the amount being sued for.
- Timely Response: Respond to the lawsuit within the time specified. If you don’t respond, you will be default judged against.
- Assert Defenses: If you believe the debt is not valid or the statute of limitations has expired, assert those defenses in your response.
- Get Legal Advice: Consider consulting an attorney who handles debt collection cases. They can help guide you through the process.
Follow these steps to defend yourself against a debt collection lawsuit and protect your rights.
Remove RCS Capital Partners from Your Credit Report
If you have paid or settled a debt with RCS Capital Partners, you may want to have the negative entry removed from your credit report. Here’s how:
- Written Agreement: Get a written agreement from RCS Capital Partners that the debt has been paid or settled.
- Credit Reporting Agencies: Send a copy of the agreement to the credit reporting agencies (Equifax, Experian, TransUnion) and have them remove the debt from your credit report.
- Monitor Your Credit Report: Check your credit report regularly to make sure the debt has been removed. If it hasn’t, follow up with the credit reporting agencies.
Follow these steps to improve your credit score and have your credit report accurate.
