RCS Capital Partners Debt Collection Harassment? Stop the Calls!

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RCS Capital Partners Debt Collection Harassment? Stop the Calls!

Is RCS Capital Partners harassing you over a debt? RCS Capital Partners may be calling you if your delinquent account was handed to them from collections. This, however, does not give them the right to harass you. If RCS Inc is harassing you, then you need to read further to know how to put a stop to it.

The best way to handle a debt (after you have confirmed that it is yours) is to resolve it and avoid all the potential negative consequences. However, this is not always easy or possible to do. Economic situations are sometimes unpredictable, and downtimes could be inevitable. When this happens, people may fall back on their bills and fall into debt.

If you are currently in debt, you are not alone. Millions of Americans find themselves in the same shoes, in fact, according to a recent study, 8, out of every 10 Americans you see are in one form of debt or the other. Nevertheless, the good news is that many have come out of debt, and you can too.

It takes the right knowledge and awareness to handle a debt collection 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 successfully recover a debt, they get paid.

If you are still struggling and making plans to pay your debt, you do not have to put up with harassment from debt collectors also. The FDCPA has laws that stop debt collectors – and that includes RCS Inc from harassing and threatening you. If a debt collector is beginning to make 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 contacting 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 (consumerlawfirmcenter.com

Who is a debt collector?

Many times, people fall into hard times and are then 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 must already know that your debts will likely get turned over to 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) in order to recover a delinquent debt from a consumer. What they are, however, not allowed to do under any circumstance is harass you all 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 successfully get you to pay the debt. In other cases, the debt collector may even completely 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 resilient in pestering you with bothersome and unwanted calls. This should give you an insight as to why RCS inc. is relentless in its attempts to get you to pay.

One thing you must 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 that you must be aware of and learn how to use properly is your right to request a validation of the debt that the 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 sufficient details 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 (counting 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 letting you know that you have the right to dispute the debt within 30 days if you believe that it is not yours or if you notice that certain details regarding the debt have been misrepresented.

You should make a debt validation request to RCS inc. immediately they contact you with details about a debt whether you remember acquiring it or not. If you do this, the RCS inc. is expected to cease all forms of communication and collection activities until they provide you with sufficient proof to validate the debt that they have contacted you to pay up. RCS capital corporation has to make the decision of either ceasing to contact you about the debt or sending you all the necessary details about the debt and who the original creditor is.

A debt validation request is one great way to escape debt collection scams. Some fraudulent persons may claim to be debt collectors and call, asking you to pay a non-existent debt. All you need to do is let them know that you have a right to get the debt validated and watch them run to take cover. 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 through which consumers can 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 are 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 attempts to recover 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 recovering the debt from the delinquent debtor for themselves. In essence, the difference between a debt collector and a debt buyer is that a debt collector makes commissions, while a debt buyer makes a profit. It should, however, be noted that some debt collectors serve the double function of a debt buyer, as they are commonly known to purchase delinquent debts from original creditors for pennies on a 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 purchases 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 is most likely because you owe money to a creditor or that you have 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 is yours and that you are not being scammed or mistaken for someone else.

Once you confirm that the debt is yours, there is no need to panic. Look at the debt and plan towards repaying it through a plan that suits your income. If your financial state is not in very good condition, discuss payment plans with the debt collector.

Remember, you have rights under the FDCPA, and any form of harassment from a debt collector is a violation of those rights.

Facing RCS Capital Partners’ phone harassment?

Telephone harassment happens when the communications on a phone call are tailored towards harming, scaring, or insulting the receiver.

When phone calls from RCS Capital Partners begin to create fear in you and make you worried about your safety or the safety of your family, you are experiencing RCS Capital Partners phone harassment and this act of violation should carry severe penalties for the erring debt collector.

RCS Capital Partners’ phone harassment can come in any form. It could be through 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 details regarding your debt.

How to handle RCS Capital Partners phone harassment

If you start getting harassed during the RCS Capital Partners’ debt collection process, you need to take action immediately.

The FDCPA and TCPA both strongly frown against 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’re unable to pay, already feeling bad about yourself, and don’t need anything else to make things worse.

These phone calls come and make everything entirely depressing.

Your debt collector does not have the right to harass you. If you are 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 communicate to RCS collections that you know your rights and that they are violating them.
  • Record your conversations with them to have sufficient 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, puts an end to them contacting you.
  • Put your evidence together 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.

Be 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 that the debt has exceeded its statute of limitations, you may agree that 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 placing calls to the consumer at odd hours.

If RCS Capital has violated the TCPA, you can sue them for up to $500 on each violation.

Who is RCS Capital Partners?

RCS Capital Partners is a third-party debt collector located in Amherst, New York.

Contact Information

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 about it here: RCS Capital Partners Better Business Bureau

2 ways to handle RCS debt collection

1. Negotiating with RCS capital corp by yourself

What most consumers do not know if 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

2. Getting an attorney involved

While many debt collectors will often use harassing and even abusive methods to try to coerce you into paying your debt, they know that 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 if 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?

855-764-8861, 866-381-6899, 844-440-8188, 310-707-1925, 844-778-7445, 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, 380-867-1511

If so, you may be a victim of RCS Capital Partners’ debt collection harassment. Call us immediately on 877-700-5790 to seek help.

The following is a sample list of complaints filed against RCS Capital Partners and 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 specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from RCS Capital Partners. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.

Call us at (877)700-5790 for immediate assistance.

Check out the links below for more information:


New York Attorney General 

Consumer Financial Protection Bureau

RCS Capital Partners
Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.

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