Regency One Capital Asset Solutions Debt Collection Harassment?

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Regency One Phone Harassment?

Is Regency One (RO) calling you several times a day?

If you have defaulted on your debt payments and you are now receiving routine collection calls from Regency One, There is one thing that you must know about debt collectors: they are after one thing and one thing only —your money. And, that’s okay because they are legally licensed to make collection attempts on the debts you owe.

If you borrowed money for whatever purpose, then it is your responsibility to pay it back. The law says that debt collectors have the right to call you and ask you to pay back the money you owe them. But let’s be honest about debt collectors for just a moment. Many of them employ aggressive, harassing, and inconvenient methods of collection to coerce payments from the consumer, and when they open their mouths, you know they are lying.

Most debt collectors will do just about anything to ensure that you resolve your debts and that they turn a profit. They don’t care whether your family is fed and your bills for necessary amenities are paid, they want you to put them at the top of your priority list. To them, hardly anything else matters other than the collection of the debt that they have set out to recover.

Debt collectors are expected to operate by the guidelines provided in the Federal Fair Debt Collection Practices Act (or FDCPA for short)—but from what we see happen every day, it seems like many of debt collectors rely on the ignorance of consumers when it comes to their rights and completely flout these rules that they are expected to abide by.

They carry out their job by trying to make you angry or scared—and they do it well. They know that if they can get you into a tight spot, they will get an emotional reaction from you which may lead you to impulsively settle the debt out of fear or any other strong emotion. Debt collectors never embark on a collection journey without first having a plan, and neither should you. Stay calm and know that you have rights that protect your interests in the context of debt collection.

If the debt collection representative from Regency one has violated any of your FDCPA rights during their communication with you (wither by cussing at you, scaring you, threatening you, or generally trying to cause emotional distress), you may be in a position to sue them and recover statutory damages set at $1000, alongside other compensations. Call us now at (877)700-5790 for further information.

Is Regency One a Scam?

No, Regency one is a legitimate collection agency. According to the Better Business Bureau website, Regency One has been in business for 4 years, and you can read more about it here: Regency One Better Business Bureau

How does the FDCPA protect you from harassment by debt collectors?

The Fair Debt Collection Practices Act is a federal law put in place to provide guidelines for the actions of a third party debt collectors with a debtor, to prevent the harassment or any form of abuse of debtors. This law places limits on certain illegal actions of debt collectors and provides rules that will govern how they should conduct themselves when assigned to collect a debt from a debtor.

However, the existence of FDCPA does not erase the debt of a debtor nor the obligation of the debtor to pay the debt owed. It mainly prevents the harassment or abuse of the debtor during the debt collection process by a third-party debt collector and ensures smooth cooperation between the debtor and debt collector for a successful payment of the debt.

The FDCPA, therefore, has some acceptable code of operations for third-party debt collectors that aim to protect the debtors from harassment. Some of the ways the FDCPA protects the debtor from harassment include;

  1. The FDCPA ensures to prevent excessive calls from debt collectors.

Some debt collectors choose to call the debtor excessively irrespective of the time of the day or the engagement of the debtor at that time. They call up acquaintances of the debtor, such as neighbors, relatives, and friends, harassing them with unnecessary phone calls. Excessive calling of debtors by the debt collector is counted as harassment and the FDCPA ensures that this is limited and controlled.

With the FDCPA, the debtor can issue a cease communication letter and then decide the specific means of communication that is preferable for them, or the limit of the communication they would like to have with the debt collector, or if they would kile to totally cease communication. The debtor can also be able to prevent the debt collector from calling at inappropriate times like at midnight. The FDCPA-approved time frame is after 8 am in the morning and before 9 pm at night. Any time of communication outside this time frame is illegal and counted as harassment.

If a cease communication is issued by the debtor, the debt collector can only have a reason to communicate with the debtor if the debt is terminated or if there is a needed action that is being taken to ensure debt collection.

In the situation that the debtor has a legal representation, the debt collector is required to only communicate with the legal representative. Communication can only be acceptable direct with the debtor if, for any reason, the legal representative ceases communication with the debt collection agency.

 

  1. The FDCPA ensures to prevent verbal, physical, and emotional abuse from debt collectors

According to the FDCPA, debt collectors are prevented from causing any form of physical or emotional distress to debtors. The use of violent threats or threats of possible physical harm is illegal according to FDCPA. Also, the use of offensive words, derogatory words, or insults when addressing debtors is also a form of emotional abuse and is therefore banned. Any form of criminal behavior or inconsiderate acts or any form of intimidation, intended to continuously annoy, offend or scare the debtor is also prohibited. Acts like these are counted as harassment and possibly abuse and are therefore prohibited by the FDCPA laws. Debtors, therefore, are protected from the physical abuse that could be meted out on them by debt collectors, emotional abuse, and psychological distress from the actions of debt collection agencies.

 

  1. FDCPA ensures debtors are protected from being deceived by debt collectors.

Some debt collectors usually force debtors to pay up the debt they owe by using deceitful means. Most misrepresent themselves and present themselves to debtors as officers of the law or attorneys who have the right to make threats, just to scare the debtor into paying off debt. This is an act of impersonation and it is considered a crime. Making threats under false representation is considered illegal and a violation of the FDCPA and any money given to a debt collector who has misrepresented themselves as a law enforcement official to the consumer may be recovered.

 

  1. The FDCPA ensures that the privacy of the debtor is protected at all times.

The FDCPA makes it clear that debt collectors are not permitted to share private information regarding an individual’s debt. The information is private and that privacy should be respected at all times. The information about a debt owed cannot be disclosed to any unauthorized person unless permitted by the debtor. Even in the cases where a debt collector has to contact an acquaintance to get the contact information of a debtor, he/she is not permitted to disclose any details of the debt that is owed. Through this, the FDCPA protects the private information of all consumers with outstanding debts.

 

  1. The FDCPA ensures there are penalties for violation.

 

The FDCPA ensures to protect debtors that have been harassed or have incurred damages from the illegal activities of debt collectors. Through the FDCPA, penalties are put in place to enforce compliance with the law and punishment for violation of the act. Violation of the FDCPA can incur up to $1000 in payments for damages and reimbursement of the attorney fees used in a lawsuit to the debtor. Violation of this act by the debt collector leads to a loss on the part of the debt collector, in the long run, therefore, this consciousness helps to put them in check thereby protecting the debtor from potential harassment from the debt collector.

 

The Fair Debt Collection Practices Act (FDCPA) is a federal law put in place to help protect the rights of a debtor. Many debt collectors make use of different methods and techniques with the aim of collecting debt, but these methods end up leading to emotional distress, physical harm, and the harassment of the debtor. However, with the FDCPA, the debtor is protected by law against these illegal acts. To ensure compliance, the violation of the FDCPA leads to certain penalties and fines for the debt collector.

Finally, it should be noted that the FDCPA does not prevent the debtor from paying his/her debt when necessary. The debt owed must still be paid, but it should be through a smooth debt collection process that ensures the rights of the consumer are protected.

Who is Regency One?

Regency One Capital Asset Solutions is a third-party debt collector located in Buffalo, New York. They have been sued in federal court several times for violating consumer’s rights while collecting on alleged debts.  A recent Federal Court case alleges that Regency One Capital Asset Solutions used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.

Contact Information

Address: 4230 Ridge Lea Rd

Suite 114

Amherst, NY 14228

Phone: (855) 676-0592

Regency One Collection Tactics

If Regency One 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

Regency One Phone Numbers

Are you receiving any harassing phone calls from any of the following numbers?

855-821-0275, 716-832-0224, 855-676-0592, (855) 821-0275, (716) 832-0224, (855) 676-0592, 8558210275, 7168320224, 8556760592

If the answer is yes, then you are receiving calls from a known RO number. You may be a victim of RO phone harassment.  Contact our office right away to start the process of stopping RO from calling you illegally.

Common Questions

Is RO a scam? No, Regency One has been in business for 4 years.

Can Regency One garnish my wages? Yes, RO can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.

Can RO sue me? Yes, RO can sue you so long as the debt is within the statute of limitations

Can RO report my debt to the collections bureaus?  Yes, Debt collectors are allowed to place the collection account on your credit report

Can RO 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 Regency One in the past year and can be found on Pacer.org.

2:15-cv-03099-WHW-CLW McMillian v. Regency One Capital, LLC

4:15-cv-01334 Harrison v. Regency One Capital, LLC

About Us

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 Aspen National Financial, Inc. 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:

https://www.consumer.ftc.gov/articles/debt-collection-faqs

New York Attorney General

Consumer Finance

https://consumerlawfirmcenter.com/all-debt-solutions-debt-collection-harassment/

Dynamic Recovery Solutions Collection Harassment? Stop the Calls!

https://consumerlawfirmcenter.com/revenue-enterprises-debt-collection-harassment/

https://consumerlawfirmcenter.com/alliance-one-debt-collection-harassment/

Advance Bureau of Collections Phone Harassment?

https://consumerlawfirmcenter.com/harris-harris-debt-collection-harassment/

Continental Credit Control Phone Harassment?

https://consumerlawfirmcenter.com/ltd-financial-services-debt-collection-harassment/

Amerifinancial Solutions Phone Harassment?

Advance Bureau of Collections Debt Collection Harassment?

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Know Your RIGHTS: Insider Insights Into Consumer Rights w/ Attorney Derek DePetrillo episode of Credit Conversion Conversations

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