Red Cedar Associates Phone Harassment?
Is Red Cedar Associates (RCA) calling you? Stop Red Cedar Associates phone harassment. Do they threaten to take legal action, file a lawsuit, or garnish your wages? In some cases, debt collectors may seek to garnish wages or bank accounts, but certain laws protect bank accounts from garnishment. 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. If Red Cedar Associates is attempting to collect a debt through repeated calls or threats, you have rights under the law. You have the legal right to stop RCA 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 Red Cedar Associates a Scam?
According to the Better Business Bureau website, Red Cedar Associates has been in business for 3 years. There have been 29 complaints filed against RCA with the BBB. Like many other companies in the debt collection industry, Red Cedar Associates has received complaints regarding their collection practices.
Red Cedar Associates Better Business Bureau
Who is Red Cedar Associates?
Red Cedar Associates is third party debt collector located in Buffalo, New York. A creditor is the original entity that owns the debt before it is sold or assigned to a collection agency like Red Cedar Associates. Creditors may sell or transfer unpaid accounts to companies like Red Cedar Associates for collection. They have been sued in federal court several times for violating consumer’s rights while collecting on alleged debts. A recent Federal Court cases alleges that Red Cedar Associates used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. Consumers can deal with debt collection issues by understanding their rights and disputing debts when necessary.
Address: PO Box 228
Buffalo, NY 14207-0228
Phone: (855) 889-6876
Red Cedar Associates Collection Tactics
If Red Cedar Associates 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 or indicate that they are suing 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
Red Cedar Associates Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
888-268-3349, 877-280-7604, 855-889-6876, 855-891-7013, (888) 268-3349, (877) 280-7604, (855) 889-6876, (855) 891-7013, 8882683349, 8772807604, 8558896876, 8558917013
If the answer is yes, then you are receiving calls from a known RCA number. You may be a victim of RCA phone harassment. The list above is not all the numbers that RCA uses. The calls can be from a different number and it still be Red Cedar Associates calling you. In some cases, consumers may find their numbers blocked by RCA or may need to take steps to block harassing calls from these numbers. Contact our office right away so we can start the process to stop RCA from calling you illegally. Above all, no one should live with harassment!
Understanding Your Rights When Dealing with Debt Collectors
Dealing with debt collectors like Red Cedar Associates can feel overwhelming, but knowing your rights is the first step toward regaining control. Under fair debt collection practices outlined by the Fair Debt Collection Practices Act (FDCPA), you are protected from abusive, deceptive, or unfair tactics when a collection agency is trying to collect a debt. This means that debt collectors must treat you with respect and follow strict rules when contacting you about payments.
If you’re receiving calls from Red Cedar Associates or any other debt collection agency, remember that you have the right to dispute the debt. You can request, in writing, that the company provide verification of the debt they claim you owe. This process ensures that you’re not paying for a debt that isn’t yours or for an incorrect amount. Until the debt is verified, the collector must stop calling you about payment.
You also have the legal right to request that Red Cedar Associates stop calling you. By sending a written request to their office, you can require them to cease all phone calls and other forms of contact, except to inform you of specific actions like ending collection efforts or pursuing legal action. This can provide much-needed relief from constant calls and help you focus on resolving the situation.
It’s important to keep detailed records of every call, letter, or message you receive from debt collectors. Note the date, time, phone number, and what was discussed. This documentation can be crucial if you need to file a complaint with a government agency or take legal action against harassment or violations of your rights.
State and federal laws work together to protect consumers from unfair debt collection practices. Some states even limit the attorney fees that can be charged or provide additional protections beyond federal law. If you feel overwhelmed or unsure about your rights, don’t hesitate to contact a law firm experienced in consumer protection. They can help you understand your options, dispute unfair debts, and stop illegal collection tactics.
Remember, you are not alone in dealing with debt collectors. If you believe Red Cedar Associates or any other company has crossed the line, you can file a complaint with the Federal Trade Commission, your state Attorney General, or another appropriate government agency. Taking action not only protects your rights but also helps hold debt collectors accountable for their actions.
By staying informed and proactive, you can ensure that your rights are respected and that you’re treated fairly throughout the debt collection process. If you need help, reach out to a trusted law firm or consumer advocacy group for guidance and support.
Common Questions
Is RCA a scam? No, Red Cedar Associates has been in business for 3 years.
Can Red Cedar Associates garnish my wages? Yes, RCA can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. Wage garnishment may also affect your bank accounts in some cases.
Can RCA sue me? Yes, RCA can sue you so long as the debt is within the statute of limitations. The filing of a lawsuit is a legal process that debt collectors may pursue if other collection attempts fail.
Can RCA report my debt to the collections bureaus? Yes, debt collectors are allowed to place collection accounts, such as those handled by Red Cedar Associates, on your credit reports, and these are reported to credit bureaus. Paying a collection account may not always remove it from your credit reports, but it can affect how the account is reported. Consumers have the right to dispute inaccurate accounts on their credit reports, and credit reporting agencies must investigate such disputes. Accurate reporting is important, and you have the right to challenge any incorrect information under the Fair Credit Reporting Act (FCRA).
Can RCA 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 Red Cedar Associates in the past year and can be found on Pacer.org.
2:18-cv-00007-SS Lewis v. Red Cedar Associates
2:17-cv-01321-MCE-CKD Edens v. Red Cedar Associates
1:17-cv-03643-CAP Baldwin v. Red Cedar Associates
3:17-cv-12828-PGS-LHG Paglione v. Red Cedar Associates
1:17-cv-00783-WMS-HKS Hargrave v. Red Cedar Associates
Many of these lawsuits involve disputes between consumers, debt collectors, and original creditors regarding the validity or collection of debts.
About Us
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 Red Cedar Associates harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from Red Cedar Associates 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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