Facing Real Time Resolutions Harassment? Here’s What You Can Do
Is Real Time Resolutions (RTR) calling you? Stop Real Time Resolutions debt collection harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so, what they are doing is illegal and needs to stop. You have the legal right to stop RTR phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Is Real Time Resolutions a Scam?
According to the Better Business Bureau website, Real Time Resolutions has been in business for 6 years. There have been 63 complaints filed against RTR with the BBB.
Real Time Resolutions Better Business Bureau
Who is Real Time Resolutions?
Real Time Resolutions is third party debt collector located in Dallas, Texas. They specialize in mortgage, auto, student, credit card, and other consumer loans. Real Time Resolutions have been a party to over 5,000 federal court cases. They have over 80 complaints with the BBB for harassing consumers.
Address: 1349 Empire Central Dr STE 150
Dallas, TX 75247-4029
Phone: (877) 469-7325
Collection Tactics
Real Time Resolutions, like other debt collection agencies, employs various tactics to collect debts from consumers. These tactics may include:
- Sending Letters and Emails: Real Time Resolutions may send written communications to inform you about the debt and request payment.
- Making Phone Calls: They might call you at home or work to discuss the debt and urge you to make a payment.
- Reporting to Credit Bureaus: They can report your debt to credit bureaus, which can negatively impact your credit score.
- Filing Lawsuits: If necessary, they may file a lawsuit to obtain a court judgment against you.
- Using Debt Collection Software: They utilize advanced software to track and manage their debt collection efforts efficiently.
It’s essential to note that Real Time Resolutions, as a debt collector, must comply with the Fair Debt Collection Practices Act (FDCPA) and other federal and state laws regulating debt collection practices. Understanding these tactics can help you recognize when your rights are being violated and take appropriate action.
Debt Collection Practices Act
The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates the practices of debt collectors, including Real Time Resolutions. The FDCPA prohibits debt collectors from engaging in abusive, unfair, or deceptive practices, such as:
- Harassing or Threatening Debtors: Debt collectors cannot use threats or harassment to collect a debt.
- Making False or Misleading Statements: They must be truthful about the debt and their intentions.
- Failing to Identify Themselves: Debt collectors must clearly identify themselves and state that they are attempting to collect a debt.
- Contacting at Inconvenient Times or Places: They cannot contact you at times or places they know to be inconvenient, such as before 8 a.m. or after 9 p.m.
- Using Abusive or Profane Language: They must communicate respectfully and professionally.
The FDCPA also requires debt collectors to provide you with specific information about the debt, including the amount owed, the name of the creditor, and your rights under the law. Knowing these protections can help you stand up against unfair debt collection practices.
Dealing with Real Time Resolutions
If you are being contacted by Real Time Resolutions about a debt, it’s essential to know your rights and options. Here are some steps you can take:
- Verify the Debt: Ensure the debt is legitimate and that you owe the amount claimed by Real Time Resolutions.
- Communicate with Real Time Resolutions: Respond to their letters and phone calls, and ask for detailed information about the debt.
- Negotiate a Payment Plan: If you cannot pay the debt in full, you may be able to negotiate a payment plan that fits your financial situation.
- Seek Professional Help: If you are experiencing financial difficulties or harassment, consider seeking assistance from a credit counselor or attorney.
By taking these steps, you can manage your interactions with Real Time Resolutions more effectively and protect your rights.
Real Time Resolutions Debt Collection Harassment Tactics
If Real Time Resolutions engages in any of the following tactics, you may have a case:
- Using profanity or abusive language
- Calling you before 8:00 a.m. or after 9:00 p.m.
- Calling you multiple times per week
- Talking to others about your debt
- Calling your workplace
- Threatening to sue you, harm you, or destroy your credit
- Telling you or anyone else that you’ve committed a crime
- Calling repeatedly for the wrong person
- Failing to notify you of your right to dispute the debt
- Trying to collect more than legally allowed
You may be able to file a legal claim under the Fair Debt Collection Practices Act (FDCPA) if your rights are violated.
Real Time Resolutions Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
877-469-7325, 855-466-3090, 877-252-3761, 877-535-7970, 877-599-7334, (877) 469-7325, (855) 466-3090, (877) 252-3761, (877) 535-7970, (877) 599-7334, 8774697325, 8554663090, 8772523761, 8775357970, 8775997334, 877-635-9211, 551-235-8040, 855-466-3090, 800-309-5929
If the answer is yes, then you are receiving calls from a known RTR number. You may be a victim of RTR phone harassment. The list above is not all the numbers that RTR uses. The calls can be from a different number and it still be Real Time Resolutions calling you. Contact our office right away so we can start the process to stop RTR from calling you illegally. Above all, no one should live with harassment!
Credit Report Impact
Real Time Resolutions, like other debt collectors, can report debts to credit bureaus, which can negatively impact your credit score. Here are some ways that debt collection can affect your credit report:
- Negative Marks: Debt collection can result in negative marks on your credit report, which can lower your credit score.
- Credit Score Impact: The impact on your credit score will depend on factors such as the type of debt, the amount owed, and how long the debt has been outstanding.
- Credit Report Removal: If you pay the debt or successfully dispute it, the negative mark can be removed from your credit report.
Understanding how debt collection affects your credit report can help you take steps to mitigate the damage and improve your credit over time.
Common Questions About Your Credit Report
Is RTR a scam? No, Real Time Resolutions has been in business for 6 years.
Can Real Time Resolutions garnish my wages? Yes, RTR can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can RTR sue me? Yes, RTR can sue you so long as the debt is within the statute of limitations
Can RTR report my debt to the collections bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report. This is part of the credit reporting process, which ensures the accuracy of information on your credit report.
Can RTR arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
The following is a sample list of complaints filed against Real Time Resolutions in the past year and can be found on Pacer.org.
3:15-cv-00042-JM-JMA Thompson v. Real Time Resolutions
1:15-cv-00032-LW Wilson et al v. Real Time Resolutions
1:16-cv-02353-DCN Chelala v. Real Time Resolutions
2:12-cv-00825-RJS Smart v. Real Time Resolutions
2:15-cv-00678-JNP Magazin v. Real Time Resolutions
Free Case Review
If you are being harassed by Real Time Resolutions or have questions about your debt, you may be eligible for a free case review. A free case review can help you understand your rights and options, and determine the best course of action to take. Don’t hesitate to seek professional assistance to protect yourself from unfair debt collection practices.
Address and Contact Information
Real Time Resolutions is a debt collection agency with its primary office located in Dallas, Texas. Here is their address and contact information:
- Address: 1349 Empire Central Dr STE 150, Dallas, TX 75247-4029
- Phone: (877) 469-7325
- Email: [Insert email]
Please note that this information may be subject to change, and it’s always best to verify the accuracy of the information before contacting Real Time Resolutions.
About Us
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Real Time Resolutions harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
We offer full-service loan servicing, showcasing our expertise in managing various types of loans and debt recovery services.
Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from Real Time Resolutions call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
Success Stories
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful and they were familiar with the Collection Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.
“Because of a lie from a third party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”
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