RGS Financial Phone Harassment?
Is RGS Financial (RGS) calling you? Stop RGS Financial phone harassment. Do they threaten to take legal action, make threats, or use abusive language? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? Such actions can be considered harassment and may constitute abuse under federal laws. If so what they are doing is illegal and needs to stop. Repeated or intimidating collection calls are considered harassment and are prohibited by federal laws such as the FDCPA. Debt collectors are not allowed to harass, abuse, or use threats when attempting to collect a debt. You have the legal right to stop RGS 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 RGS Financial a Scam?
According to the Better Business Bureau website, RGS Financial has been in business for 14 years. There have been 35 complaints filed against RGS with the BBB. Read more here: RGS Financial Better Business Bureau.
Who is RGS Financial?
RGS Financial is a third party debt collector located in Richardson, Texas, and is one of many collection agencies that work to collect debts on behalf of creditors. RGS has been a party to a Federal Court case over 115 times. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. Engaging in harassing or abusive tactics is prohibited for collection agencies and creditors alike.
Creditors may attempt to collect debts directly, but often sell or transfer unpaid accounts to collection agencies like RGS Financial, who then pursue collection efforts. The process to collect debts involves communication between the original creditor, the collection agency, and the consumer, with each party having specific legal rights and responsibilities.
Address: 1700 Jay Ell Dr Ste 200 Richardson, TX 75081
Phone: (469) 791-4700
RGS Financial Collection Tactics
If RGS Financial 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
Repeated collection calls or debt collection calls, especially those involving obscene language or made in an effort to intimidate or harass you, are prohibited by law. If you feel harassed, you have the right to request that debt collectors stop calling you.
RGS Financial Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- ☎️ 469-791-4700
- ☎️ 866-941-8600
- ☎️ 855-227-9292
- ☎️ (469) 791-4700
- ☎️ (866) 941-8600
- ☎️ (855) 227-9292
- ☎️ 4697914700
- ☎️ 8669418600
- ☎️ 8552279292
If the answer is yes, then you are receiving calls from a known RGS number. You may be a victim of RGS phone harassment. The list above is not all the numbers that RGS uses. The calls can be from different phone numbers and it still be RGS Financial calling you, as RGS may be contacting you by phone or even in person. Contact our office right away so we can start the process to stop RGS from calling you illegally. It is important to respond promptly to any collection attempts to protect your rights. Above all, no one should live with harassment!
Credit Report Concerns
Dealing with debt collectors like RGS Financial can have a significant impact on your credit report. When a debt collection agency reports a collection account to the credit bureau, it can lower your credit score and affect your financial future. Under the Fair Debt Collection Practices Act (FDCPA), debt collectors must follow fair debt collection practices, including how they report debts and communicate with consumers.
If you’re receiving calls from RGS Financial or see their name on your credit report, it’s important to know your rights and take steps to protect your credit. Here’s what you can do:
- ➡️ Pull your credit report: Start by obtaining a copy of your credit report from all three major credit bureaus. This will help you identify any collection accounts or errors related to RGS Financial or any other collection agency.
- ➡️ Dispute errors: If you find inaccurate information or debts you don’t recognize, file a dispute with the credit bureau. Provide any supporting documentation to help resolve the issue and ensure your credit report is accurate.
- ➡️ Verify debts: Debt collectors like RGS Financial are required by law to send you a written notice within five days of first contact, detailing the amount owed and your rights as a consumer. If you have doubts about the debt, request debt validation in writing. The collection agency must stop collection efforts until they provide verification.
- ➡️ Negotiate with RGS Financial: If the debt is valid, consider negotiating a payment plan or settlement directly with RGS Financial. Resolving the debt can help prevent further damage to your credit and may even result in the collection account being updated or removed from your credit report.
- ➡️ Seek professional assistance: If you feel overwhelmed or unsure about how to handle credit report concerns, don’t hesitate to contact a law firm or credit repair professional. They can help you address violations, negotiate with collectors, and protect your rights under the FDCPA.
Remember, as a consumer, you have the right to fair debt collection practices and to dispute any information you believe is inaccurate. If RGS Financial or any other debt collection agency has violated your rights, you may be entitled to statutory damages and attorney fees. Taking proactive steps can help you resolve credit report concerns, stop harassing calls, and regain control of your financial health. If you need help, reach out to a professional who can guide you through the process and ensure your rights are protected.
Complaints Against RGS Financial
The following is a sample list of complaints filed against RGS Financial in the past and can be found on Pacer.gov. Some complaints may involve identity theft or violations of federal laws such as the FDCPA, including issues like harassment or improper collection practices.
- 📋 3:15-cv-01436-L Jefferson v.
- 📋 3:15-cv-01300-D Brown v.
- 📋 3:12-cv-01736-N Gardner et al v.
- 📋 5:11-cv-00853-W Williamson v.
- 📋 1:15-cv-07136-ENV-CLP Ostreicher v.
Consumer Rights Law Firm PLLC
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 RGS Financial harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from RGS Financial. call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
🏆 Amazing working with Matt G. He handled my case quickly and with ease. I got my debt and attorney fees taken care of and off my report. Matt was great at communicating and always made me feel heard. Couldn’t recommend him more!
🏆 I would highly recommend this law firm! They dealt with my claim very quickly and kept in communication. I wasn’t asked to pay any money for their services. Scott my representative was very professional and helpful!
🏆 Matt and Derek worked as a team to get me a fair and adequate solution for my concern. They kept me updated throughout the whole process and answered any questions I had. I would highly recommend them.
Frequently Asked Questions
1. Who is RGS Financial?
RGS Financial is a third-party debt collection agency headquartered in Richardson, Texas. The company collects past-due accounts on behalf of banks, lenders, telecom companies, and service providers. Many consumers have reported repeated phone calls and potential harassment from this agency.
2. Why is RGS Financial calling me?
If RGS Financial is calling you, it likely means they are trying to collect a debt you owe—or they believe you owe—to one of their clients. However, if you do not recognize the debt or have already paid it, you should request written validation immediately to confirm its legitimacy.
3. Is RGS Financial allowed to call me multiple times a day?
No. Under the Fair Debt Collection Practices Act (FDCPA), debt collectors like RGS Financial cannot call you excessively or at odd hours to harass or intimidate you. Calling multiple times per day or after you have asked them to stop could be considered harassment and a violation of your rights.
4. Can RGS Financial contact me at work?
Debt collectors, including RGS Financial, are prohibited from contacting you at work if they know your employer disapproves. If they keep calling your workplace after you tell them not to, this behavior may violate the FDCPA.
5. What should I do if RGS Financial is harassing me by phone?
If RGS Financial is harassing you, start by documenting all calls—dates, times, numbers, and what was said. You can send a written request asking them to communicate only by mail. If the harassment continues, contact a consumer-rights attorney to help stop the calls and take legal action if necessary.
6. Can RGS Financial threaten to sue or arrest me?
No. It is illegal for RGS Financial to threaten legal action, wage garnishment, or arrest unless they actually intend and have the legal authority to do so. False or misleading threats violate the Fair Debt Collection Practices Act (FDCPA).
7. Can I dispute a debt with RGS Financial?
Yes. You have the right to dispute any debt you believe is inaccurate or not yours. Send RGS Financial a written dispute letter within 30 days of their first contact, requesting proof and validation of the debt. They must stop collection until they provide proper documentation.
8. What laws protect me from RGS Financial phone harassment?
The Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA) protect consumers from harassing or illegal calls by debt collectors. These laws regulate how often and when collectors like RGS Financial can contact you and prohibit automated or robocalls without consent.
9. Can I sue RGS Financial for debt collection harassment?
Yes. If RGS Financial violates your rights under the FDCPA or TCPA, you can sue them in federal court. You may be entitled to statutory damages up to $1,000, plus actual damages, attorney fees, and court costs for illegal debt-collection practices.
10. How can a consumer rights law firm help with RGS Financial phone harassment?
A consumer-rights law firm can help you stop RGS Financial’s harassing phone calls by sending cease-communication notices, filing formal complaints, negotiating settlements, and pursuing lawsuits if your consumer-protection rights have been violated.